Indian Overseas Bank profitability ratios

Profitability Growth Asset quality Capital Dividend yield

Per cent unless marked ×

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

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	15.7%	15.7%	11.4%	9.7%	—
	1.2%	1.2%	0.9%	0.8%	—
	2.9%	2.9%	2.9%	2.8%	—
	44.9%	44.9%	47.0%	56.3%	—
	1.4%	1.4%	1.8%	1.6%	—
	1.9%	1.9%	2.1%	2.5%	—
	15.0%	15.0%	16.6%	19.1%	—
	83.3%	83.3%	78.7%	74.6%	—
Additional
	7.3%	16.9%	25.7%	22.1%	10.6%

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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

Profitability Growth Asset Quality Capital Yield Analysis

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Returns
Return on Common Equity	—	9.67	11.36	15.65	15.65
Return on Assets	—	0.76	0.91	1.20	1.20
Margins & Efficiency
Net Interest Margin (on assets)	—	2.80	2.92	2.90	2.90
Cost to Income	—	56.31	46.99	44.94	44.94
Credit Cost (provisions / avg advances)	—	1.57	1.82	1.36	1.36
Operating Expenses / Avg Assets	—	2.48	2.08	1.89	1.89
Other Income Share of Total Income	—	19.06	16.61	15.02	15.02
Credit-Deposit Ratio	—	74.56	78.72	83.28	83.28
Additional
Effective Tax Rate	10.60	22.12	25.74	16.91	7.33

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%.