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Indian Overseas Bank IOB.NS · INR

Financials · NSE · 🇮🇳 India

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31.12

+1.83%

Close of 9 Nov 2026, in INR

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About Indian Overseas Bank

Its shares trade on NSE under the ticker IOB.NS. It has been listed since 25 September 2000. In the fiscal year to 31 March 2026, it reported revenue before interest expense of ₹377.40bn and net income of ₹54.18bn. At that date it held total assets of ₹4.73trn and shareholders' equity of ₹369.91bn.

Indian Overseas Bank engages in the provision of commercial banking services. The company is headquartered in Chennai, Tamil Nadu. The company went IPO on 2000-09-25. The Bank's segments include Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank’s operations consist of domestic deposits; domestic advances; foreign exchange operations; investments; micro, small and medium enterprises, including MUDRA Loan Scheme; retail banking, including Arogya Mahila Savings Bank Accounts; Mid Corporate department; agricultural credit portfolio; loans to small and marginal farmers; loans to non-corporate farmers, and microfinance. Its personal banking services include saving bank, current account, term deposit, retail loans, and mortgages and depository services. The company offers merchant banking for issues, debenture trustee, dividend/interest warrant and others. The company also offers Internet and mobile banking services. Its overseas branches with operations in Singapore, Colombo, Hong kong and Bangkok.

Figures and description from our data supplier, not checked against the company's own report.

Company facts

Sector
Financials
Industry
Banks
Listed since
25 Sept 2000
Employees
22,051
Website
iob.in ↗

Leadership

Pay as last reported

  • Shri. Srinivasan SridharNon-Executive Chairman of the Board, Part-Time Non-Official Director₹1.2m
  • Shri. Ajay SrivastavaChief Executive Officer, Managing Director, Executive Director, since 2017₹6.4m
  • Shri. Madhaw JhaChief Financial Officer, Deputy General Manager
  • Shri. Sriram G.General Manager of the Bank
  • Shri. Sanjay SinghGeneral Manager of the Bank
  • Shri. Joydeep RoyExecutive Director, since 2024₹4.1m
  • Shri. Dhanaraj T.Executive Director, since 2024₹3.9m
  • Ms. Neelam AgrawalGovernment Nominee Director
  • Shri. Sanjaya RastogiDirector₹1.3m
  • Mr. Thomas MathewNon-Executive Director - RBI Nominee
  • Shri. B. Chandra ReddyPart-Time Non-Official Director₹865,000
  • Shri. Suresh RungtaPart-Time Non-Official Director₹1.0m

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
31
Environment
32
Social
43
Governance
17
Direct emissions (scope 1)
6,443.63 t
Energy emissions (scope 2)
35,936.5 t
Women in the workforce
36.25611%
Carbon reduction policy
No
Human rights policy
Yes

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • Indian Overseas Bank has 22,051 employees supporting its banking services in Chennai, India.
  • The Bank offers MUDRA Loan Scheme for micro, small, and medium enterprises in India.
  • Overseas branches in Singapore, Colombo, Hong Kong, and Bangkok expand its global reach.

Weaknesses

  • The Bank's IPO listing date was 25 September 2000, which may indicate limited recent market activity.
  • The Bank's domestic operations focus on Chennai, Tamil Nadu, potentially limiting broader market penetration.
  • The Bank's retail banking services include Arogya Mahila Savings Bank Accounts, which may not appeal to all demographics.

Opportunities

  • The Bank's microfinance services target small and marginal farmers in India, a growing sector.
  • The Bank's overseas branches in Singapore, Colombo, Hong Kong, and Bangkok can leverage regional economic growth.
  • The Bank's Internet and mobile banking services can attract younger, tech-savvy customers in India.

Threats

  • The Bank's reliance on domestic deposits may be vulnerable to economic downturns in India.
  • The Bank's agricultural credit portfolio faces risks from climate change and natural disasters.
  • The Bank's retail banking services face competition from digital banks in India.

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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