Question 1

What was Indian Overseas Bank (IOB)'s net profit in Q2 FY27?

Accepted Answer

Standalone net profit was ₹1,912 crore, up 55.9% from ₹1,226 crore in Q2 FY26 and up 15.3% from ₹1,659 crore in Q1 FY27.

Question 2

What was Indian Overseas Bank (IOB)'s net interest income in Q2 FY27?

Accepted Answer

Net interest income (interest earned less interest paid) was ₹3,867 crore, up 26.4% on the year. Operating profit before provisions was ₹3,016 crore, and provisions were ₹950 crore.

Question 3

What were Indian Overseas Bank (IOB)'s NPAs in Q2 FY27?

Accepted Answer

Gross non-performing assets (NPAs) were ₹4,114 crore, 1.19% of gross advances, against 1.83% a year earlier and 1.33% in Q1 FY27. Net NPAs were 0.16% of net advances (0.28% a year earlier).

Question 4

How were Indian Overseas Bank (IOB)'s Q2 FY27 results?

Accepted Answer

Both grew from a year earlier: net profit was up 55.9% at ₹1,912 crore and net interest income was up 26.4% at ₹3,867 crore. Gross NPAs were 1.19% of advances, against 1.83% a year earlier. Against Q1 FY27, net profit was up 15.3% and net interest income up 4.9%.

Question 5

How much did Indian Overseas Bank (IOB)'s deposits and loans grow in Q2 FY27?

Accepted Answer

On 30 September 2026, deposits were ₹4,07,428 crore, up 20.2% from ₹3,39,066 crore a year earlier, and advances (loans) were ₹3,42,061 crore, up 25.0% from ₹2,73,640 crore a year earlier.

Question 6

What was Indian Overseas Bank (IOB)'s net profit in the first half of FY27?

Accepted Answer

Standalone net profit for the first half of FY27 (April–September 2026) was ₹3,572 crore, up 52.8% from ₹2,337 crore in the same months a year earlier. Net interest income was ₹7,555 crore, up 30.1%.

Question 7

What was Indian Overseas Bank (IOB)'s EPS in Q2 FY27?

Accepted Answer

Basic earnings per share were ₹0.99, against ₹0.64 in Q2 FY26.

Question 8

What was Indian Overseas Bank (IOB)'s net profit in FY26?

Accepted Answer

Standalone net profit was ₹5,208 crore in FY26 (April 2025–March 2026), up 56.2% from ₹3,335 crore in FY25. It was ₹2,656 crore in FY24 and ₹4,957 crore in FY23: up 5.1% over three years, 1.7% a year on average.

Question 9

When did Indian Overseas Bank (IOB) announce its Q2 FY27 results?

Accepted Answer

On Monday, 26 October 2026 at 12:30 pm IST, in its results filing to the stock exchanges. A year earlier it reported Q2 FY26 on 16 October 2025.

Question 10

How has Indian Overseas Bank (IOB)'s profit changed over the last four quarters?

Accepted Answer

Net profit by quarter: ₹1,365 crore in Q3 FY26, ₹1,505 crore in Q4 FY26, ₹1,659 crore in Q1 FY27 and ₹1,912 crore in Q2 FY27. That is ₹6,442 crore over the four quarters, up 51.1% from ₹4,262 crore in the four quarters before. Net interest income: ₹3,299 crore, ₹3,470 crore, ₹3,688 crore and ₹3,867 crore.

Question 11

What was Indian Overseas Bank (IOB)'s net interest income in FY26?

Accepted Answer

Net interest income was ₹12,574 crore in FY26 (April 2025–March 2026), up 15.5% from ₹10,890 crore in FY25. It was ₹9,829 crore in FY24 and ₹8,255 crore in FY23: up 52.3% over three years, 15.1% a year on average.

Question 12

When will Indian Overseas Bank (IOB) announce its Q3 FY27 results?

Accepted Answer

Q3 FY27 covers October–December 2026. Listed companies must publish quarterly results within 45 days of the quarter's end (SEBI listing rules, Regulation 33), so the results are due by 14 February 2027. The company tells the exchanges the date of the board meeting at least two working days before it.

Question 13

Where do these Indian Overseas Bank (IOB) figures come from?

Accepted Answer

From Indian Overseas Bank's own standalone results filings to NSE, in ₹ crore as filed (Q2 FY27 on 26 October 2026). Growth compares the same standalone figures a year and a quarter earlier.

₹ crore	Q2 FY27	Q2 FY26	Change
Total income	10,428	9,216	+13.1%
Net interest income	3,867	3,061	+26.3%
Operating profit	3,016	2,402	+25.6%
Net profit	1,912	1,228	+55.7%
EPS	₹1.02	₹0.65	+56.9%

Operating
Interest income													Earlier quartersEvery year the company has filed comes with Alpha Plus.
	7,083	6,662	6,442	6,128	5,856	5,509	5,258	5,039	5,055	4,831	4,760	4,615
	2,053	1,978	1,912	1,906	1,872	1,829	1,816	1,810	1,755	1,661	1,541	1,520
	65.4	138	135	56.2	59.0	49.6	43.3	48.8	43.9	47.3	32.6	45.1
	0.0	0.0	0.0	82.6	64.1	0.0	517	218	0.0	0.0	300	0.0
	9,201	8,778	8,489	8,172	7,851	7,387	7,635	7,116	6,854	6,539	6,634	6,180
	5,334	5,090	5,019	4,874	4,790	4,639	4,510	4,324	4,315	4,096	3,868	3,780
	3,867	3,688	3,470	3,299	3,061	2,748	3,124	2,792	2,539	2,443	2,766	2,400
	1,227	2,160	1,291	1,499	1,365	1,480	1,623	1,299	1,636	1,048	2,479	1,263
	10,428	10,938	9,780	9,672	9,216	8,868	9,258	8,415	8,490	7,587	9,113	7,443
	884	2,104	1,006	1,344	1,172	1,167	1,132	1,070	1,342	1,125	2,518	1,270
	1,193	1,050	1,090	850	853	703	956	754	703	675	764	611
	2,077	3,155	2,096	2,195	2,025	1,870	2,088	1,824	2,045	1,800	3,281	1,881
	3,016	2,693	2,665	2,603	2,402	2,359	2,660	2,268	2,131	1,692	1,964	1,782
	950	834	1,006	1,236	672	844	1,064	1,029	1,146	938	768	701
Profit
	2,066	1,859	1,659	1,367	1,729	1,515	1,595	1,239	984	754	1,196	1,080
	154	200	154	2.3	501	403	503	364	205	105	386	356
	1,912	1,659	1,505	1,365	1,228	1,112	1,092	875	780	649	810	724
	1,963	1,716	1,556	1,427	1,259	1,178	1,092	875	780	649	810	724
Per share
	₹1.02	₹0.89	₹0.81	₹0.71	₹0.65	₹0.61	₹0.58	₹0.46	₹0.42	₹0.33	₹0.43	₹0.38
	₹1.02	₹0.89	₹0.81	₹0.71	₹0.65	₹0.61	₹0.58	₹0.46	₹0.42	₹0.33	₹0.43	₹0.38
	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Per share — as-filed variants
	₹1.02	₹0.89	₹16.94	₹0.71	₹0.65	₹0.61	₹0.58	₹0.46	₹0.42	₹0.33	₹0.43	₹0.38
	₹1.02	₹0.89	₹0.00	₹0.71	₹0.65	₹0.61	₹0.58	₹0.46	₹0.42	₹0.33	₹0.43	₹0.38
Regulatory disclosures — filed alongside, not part of the P&L
	0.9%	0.9%	0.9%	0.9%	—	—	—	—	—	—	—	—

In ₹ Crore except Per Share 3 Months Ending	Q3 FY24 31/12/2023	Q4 FY24 31/03/2024	Q1 FY25 30/06/2024	Q2 FY25 30/09/2024	Q3 FY25 31/12/2024	Q4 FY25 31/03/2025	Q1 FY26 30/06/2025	Q2 FY26 30/09/2025	Q3 FY26 31/12/2025	Q4 FY26 31/03/2026	Q1 FY27 30/06/2026	Q2 FY27 30/09/2026
Interest Income
+ Interest on Advances / Bills	4,614.5	4,760.2	4,830.6	5,055.1	5,039.3	5,257.8	5,509.1	5,856.0	6,127.9	6,442.3	6,662.4	7,083.3
+ Income on Investments	1,520.2	1,541.1	1,661.1	1,754.9	1,810.0	1,816.4	1,828.8	1,871.8	1,905.7	1,912.0	1,977.5	2,052.5
+ Interest on RBI / Interbank	45.1	32.6	47.3	43.9	48.8	43.3	49.6	59.0	56.2	134.6	137.7	65.4
+ Other Interest	0.0	299.6	0.0	0.0	217.8	517.4	0.0	64.1	82.6	0.0	0.0	0.0
Interest Earned	6,179.8	6,633.5	6,539.0	6,853.9	7,115.9	7,634.8	7,387.5	7,850.9	8,172.4	8,489.0	8,777.6	9,201.2
Interest Expended	3,779.7	3,867.8	4,095.6	4,314.6	4,323.9	4,510.4	4,639.3	4,789.6	4,873.9	5,019.3	5,090.0	5,334.3
Net Interest Income	2,400.2	2,765.7	2,443.4	2,539.4	2,791.9	3,124.4	2,748.2	3,061.3	3,298.5	3,469.7	3,687.6	3,867.0
Other Income	1,262.8	2,479.2	1,048.5	1,636.0	1,299.5	1,622.8	1,480.4	1,365.4	1,499.2	1,290.9	2,160.2	1,226.7
Total Income	7,442.7	9,112.7	7,587.5	8,489.9	8,415.3	9,257.6	8,867.9	9,216.3	9,671.6	9,779.9	10,937.8	10,427.9
Operating
+ Employee Cost	1,269.9	2,517.9	1,125.0	1,341.8	1,070.2	1,132.1	1,166.8	1,172.3	1,344.4	1,005.9	2,104.5	884.0
+ Other Operating Expenses	611.4	763.5	675.1	702.9	753.6	955.5	703.2	852.9	850.2	1,089.7	1,050.3	1,193.2
Operating Expenses	1,881.3	3,281.4	1,800.2	2,044.7	1,823.8	2,087.6	1,870.0	2,025.2	2,194.6	2,095.6	3,154.8	2,077.1
Operating Profit (PPOP)	1,781.7	1,963.5	1,691.7	2,130.7	2,267.6	2,659.6	2,358.6	2,401.5	2,603.1	2,665.1	2,693.1	3,016.5
Provisions & Contingencies	701.4	767.6	937.9	1,146.3	1,028.6	1,064.2	844.1	672.5	1,235.7	1,006.0	834.0	950.1
Profit
Pretax Income	1,080.3	1,196.0	753.8	984.4	1,239.0	1,595.3	1,514.6	1,729.1	1,367.5	1,659.1	1,859.1	2,066.4
Tax Expense	356.2	385.5	105.2	204.7	363.7	503.4	402.9	501.2	2.3	153.6	199.8	154.0
Net Income	724.1	810.4	648.7	779.6	875.3	1,091.9	1,111.7	1,227.9	1,365.1	1,505.5	1,659.2	1,912.4
Net Income to Common	724.1	810.4	648.7	779.6	875.3	1,091.9	1,178.5	1,258.8	1,427.2	1,556.2	1,716.3	1,962.7
Per Share
Basic EPS	0.38	0.43	0.33	0.42	0.46	0.58	0.61	0.65	0.71	0.81	0.89	1.02
Diluted EPS	0.38	0.43	0.33	0.42	0.46	0.58	0.61	0.65	0.71	0.81	0.89	1.02
Book Value per Share	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Per Share — as-filed variants
Basic EPS before Extraordinary Items	0.38	0.43	0.33	0.42	0.46	0.58	0.61	0.65	0.71	16.94	0.89	1.02
Diluted EPS before Extraordinary Items	0.38	0.43	0.33	0.42	0.46	0.58	0.61	0.65	0.71	0.00	0.89	1.02
Regulatory Disclosures — filed alongside, not part of the P&L
Government of India Shareholding %	—	—	—	—	—	—	—	—	0.92	0.92	0.92	0.92
Other Filed Concepts — mapped but not yet placed in the schedule
At1 Ratio	—	—	—	—	—	—	0.03	—	—	—	0.01	—
Cet1 Ratio	0.14	0.14	0.15	0.15	0.14	0.17	0.16	0.16	0.14	0.17	0.01	0.16
Expenditure Ex Provisions	5,661.0	7,149.2	5,895.8	6,359.2	6,147.7	6,598.0	6,509.3	6,814.8	7,068.5	7,114.8	8,244.7	7,411.4
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00
Filed Roa	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.02
Gnpa Pct	0.04	0.03	0.03	0.03	0.03	0.02	0.02	0.02	0.02	0.01	0.01	0.01
Gross Npa	8,440.8	6,794.4	6,648.7	6,249.1	6,070.5	5,347.7	5,178.5	5,078.3	4,529.9	4,409.7	4,292.3	4,114.4
Net Npa	1,302.6	1,216.9	1,153.5	1,059.3	975.9	911.9	816.4	776.4	707.9	637.8	588.4	543.6
Nnpa Pct	0.01	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Paid Up Equity Capital	18,902.4	18,902.4	18,902.4	18,902.4	18,902.4	19,256.6	19,256.6	19,256.6	19,256.6	19,256.6	19,256.6	19,256.6
Pat Ordinary	724.1	810.4	648.7	779.6	875.3	1,091.9	1,111.7	1,227.9	1,365.1	1,505.5	1,659.2	1,912.4
Share Of Associates	0.0	0.0	0.0	0.0	0.0	0.0	66.8	30.9	62.0	50.7	57.1	50.3

Indian Overseas Bank quarterly results

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Indian Overseas Bank

Indian Overseas Bank (IOB) Q2 FY27 results (July–September 2026)

Q2 FY27 at a glance · standalone

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