Indian Overseas Bank cash flow

Latest FY26

Cash from operations: ₹4,780cr+68.3% on FY25
Cash from investing: −₹639cr−₹579 cr in FY25
Cash from financing: −₹138cr₹144 cr in FY25
Capital spending: ₹646cr+7.1% on FY25

₹ crore except per share

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Changes in working capital
Adjustments to reconcile profit — non-cash items						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	—	617	383	1,019	652
	—	2,726	3,585	2,716	2,933
	—	208	192	228	183
	—	826	626	20.0	724
	—	56,931	25,817	25,148	−1,240
	—	−61,900	−33,050	−37,978	−36,747
	—	−11,780	−10,619	−5,959	4,042
	—	8,375	11,841	9,883	17,533
	—	2,841	−2,467	1,722	−5,376
	—	−5,533	−8,478	−7,184	−21,788
Cash from operating activities
	6,952	6,268	4,573	3,423	2,353
	—	−945	−3,691	−3,202	−17,296
	—	5,323	881	221	−14,942
	—	0.0	0.0	−757	0.0
	—	544	−1,958	583	641
	—	4,780	2,840	−1,119	−15,584
	—	4,780	2,840	−1,119	−15,584
Cash from investing activities
	—	646	603	365	582
	—	7.0	24.4	6.0	22.7
	—	−639	−579	−359	−560
	—	−639	−579	−359	−560
Cash from financing activities
	—	0.0	1,433	0.0	0.0
	—	1,000	0.0	0.0	200
	—	0.0	0.0	300	0.0
	—	−152	327	228	187
	—	−1,290	−961	0.0	0.0
	—	−138	144	−528	12.8
	—	−138	144	−528	12.8
	—	4,003	2,405	−2,006	−16,131
	—	4,003	2,405	−2,006	−16,131
	—	—	—	18,815	20,821
Reference items
	—	—	—	—	−1,763
	4,134	4,134	2,236	−1,484	−16,166
	₹2.15	₹2.15	₹1.16	−₹0.77	−₹8.40
	13.63×	—	—	—	—
	—	0.92×	0.84×	−0.42×	−7.41×
	—	544	−1,958	583	641
	—	152	327	228	187

Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

alphave

IOB₹29.25

Indian Overseas Bank

· Banking & Finance

₹ CrorePeersCENTRALBK UCOBANK MAHABANK IFCI IDBI JMFINANCIL NUVAMA CREDITACCMcap ₹56,326 Cr

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In ₹ Crore except Per Share 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation	652.2	1,018.7	382.9	617.3	—
+ Impairment Loss / (Reversal)	2,933.0	2,715.7	3,585.3	2,726.5	—
+ Finance Costs	183.4	227.7	192.5	207.6	—
+ Other — Cash Effects are Investing / Financing	724.3	20.0	626.3	826.0	—
Changes in Working Capital
+ Inventories	-1,240.2	25,147.9	25,817.3	56,930.8	—
+ Trade Receivables	-36,747.1	-37,978.1	-33,050.3	-61,899.9	—
+ Other Current Assets	4,041.6	-5,959.1	-10,618.9	-11,779.8	—
+ Trade Payables	17,533.1	9,883.4	11,840.5	8,374.9	—
+ Other Current Liabilities	-5,375.9	1,722.4	-2,466.7	2,841.4	—
Total Working Capital Changes	-21,788.4	-7,183.6	-8,478.1	-5,532.6	—
Cash from Operating Activities
Profit Before Tax (per I/S)	2,353.3	3,422.7	4,572.5	6,268.0	6,952.0
+ Total Adjustments (incl. Working Capital)	-17,295.5	-3,201.6	-3,691.0	-944.8	—
Cash from Operations (pre-tax)	-14,942.2	221.1	881.5	5,323.2	—
+ Other Inflows / (Outflows) — Operating	0.0	-757.1	0.0	0.0	—
+ Income Taxes Paid	641.5	583.0	-1,958.1	543.6	—
Cash from Operating — before Extraordinary Items	-15,583.7	-1,119.0	2,839.5	4,779.7	—
Cash from Operating Activities	-15,583.7	-1,119.0	2,839.5	4,779.7	—
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)	582.4	365.3	603.3	645.9	—
+ Disp of Fixed Assets	22.7	6.0	24.4	7.0	—
Cash from Investing — before Extraordinary Items	-559.6	-359.3	-578.9	-638.9	—
Cash from Investing Activities	-559.6	-359.3	-578.9	-638.9	—
Cash from Financing Activities
+ Proceeds from Issue of Shares (unclassified)	0.0	0.0	1,432.8	0.0	—
+ Proceeds from Debentures / Notes / Bonds	200.0	0.0	0.0	1,000.0	—
+ Repayment of Borrowings	0.0	300.0	0.0	0.0	—
+ Interest Paid	187.3	227.7	327.3	-152.3	—
+ Other Inflows / (Outflows) — Financing	0.0	0.0	-961.4	-1,290.1	—
Cash from Financing — before Extraordinary Items	12.8	-527.7	144.1	-137.8	—
Cash from Financing Activities	12.8	-527.7	144.1	-137.8	—
Net Changes in Cash (pre-FX)	-16,130.5	-2,005.9	2,404.7	4,002.9	—
Net Changes in Cash	-16,130.5	-2,005.9	2,404.7	4,002.9	—
Closing Cash	20,820.7	18,814.9	—	—	—
Reference Items
EBITDA	-1,763.1	—	—	—	—
Free Cash Flow (CFO − Capex)	-16,166.0	-1,484.2	2,236.3	4,133.8	4,133.8
Free Cash Flow per Basic Share	-8.40	-0.77	1.16	2.15	2.15
Price to Free Cash Flow	—	—	—	—	13.63
Cash Flow to Net Income	-7.41	-0.42	0.84	0.92	—
Cash Paid for Taxes	641.5	583.0	-1,958.1	543.6	—
Cash Paid for Interest	187.3	227.7	327.3	152.3	—

As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.