IOB share price today

Indian Overseas Bank's share price was ₹30.00 at the close on 4 November 2026. It has been falling for 105 weeks. That is 11.5% below its average price over the last 200 trading days. In the last 52 weeks it traded between ₹29 and ₹40, and at that close it sat 12% of the way up from that low.

A share price tends to move through four phases: moving sideways (stage 1), rising (stage 2), stalling near a high (stage 3) and falling (stage 4). Today Indian Overseas Bank is in stage 4. The phase helps read everything below.

Over the past 13 weeks it has done worse than the NIFTY 500, and it has been behind for 15 weeks running.

Over the last 11 years the share price moved +25% while the NIFTY 500 moved +257%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 24 July 2026. The chart above shows the 13-week comparison for every week.

This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row.

Three changes stood out: revenue up on a year earlier for 12 quarters in a row (every quarter we can compare), profit up on a year earlier for 12 quarters in a row (every quarter we can compare) and foreign funds (FIIs) raised their stake for 5 quarters in a row.

1. Revenue up on a year earlier for 12 quarters in a row (every quarter we can compare)

   In the September 2026 quarter revenue was ₹9,201 crore, +17.2% on a year earlier.

2. Profit up on a year earlier for 12 quarters in a row (every quarter we can compare)

   In the September 2026 quarter profit was ₹1,963 crore, +55.9% on a year earlier.

3. Foreign funds (FIIs) raised their stake for 5 quarters in a row

   From 0.1% to 0.5% of the company by the September 2026 quarter.

IOB has paid no dividend on the NSE since 1 April 2021, the start of the period we checked.

Not in its latest year. Indian Overseas Bank paid out 0% of its profit as dividends in FY26. It did pay a dividend in 2 of its last 14 reported years, so there is a history but no current dividend.

From the NSE corporate-actions record, read 5 November 2026.

For July to September 2026 (the quarter ended 30 September 2026), IOB reported total income of ₹9,201 crore, up 17.2% from ₹7,851 crore a year earlier, and a profit of ₹1,963 crore, up 55.9% from ₹1,259 crore.

IOB results: July to September 2026 against a year earlier

The next results, for October to December 2026, are due by 14 February 2027: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter).

The newest call in our records is from 20 July 2026, about April to June 2026; a call about these results is not in our records yet.

From the company's reported quarterly results (quarter ended 30 September 2026). Income and profit in ₹ crore.

IOB closed at ₹30.00 on 4 November 2026, down 24.2% from ₹39.59 a year earlier (7 November 2025) and up 40.5% over five years. Its highest weekly close since February 2016 was ₹71.10 on 9 February 2024.

IOB share price: then and now

Weekly closing prices. Each change is the move from that price to the 4 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes.

562 weekly closes from 26 February 2016 to 4 November 2026.

4 Nov 2026: IOB closed at ₹30.00, up 4.4% on the week and down 1.3% on the month. Results for July to September 2026: Total income up 17.2% and profit up 55.9% on a year earlier.

Earlier

• 20 Jul 2026: IOB held its results call for April to June 2026. Management guided: FY27 credit growth minimum 13.0%-14.0%.0%-22.0% growth could continue if conditions remain normal.

On the call for April to June 2026, held on 20 July 2026, IOB's management guided: FY27 credit growth minimum 13.0%-14.0%.0%-22.0% growth could continue if conditions remain normal.

“We do not want to do loss-making business. We are not interested in growing the corporate book at a sub-7.0% interest rate just for the sake of volume.”Ajay Kumar Shrivastava, Managing Director and CEO, on the call for April to June 2026

What management guided

• FY27 assets and liabilities to grow at least 13.0%-14.0%.
• Global NIM to remain around 3.3%-3.4%; ROA to remain 1.4%-1.5% over the next two to three quarters and around 1.5% by FY27 end.
• FY27 credit cost guided at around 0.4%; the ₹3,000 crore ECL requirement is expected to be fully provided by year-end, with ₹2,150 crore already provided and no four-year dispensation planned.
• ECLGS disbursements expected to reach 95.0%-100.0% of the ₹4,400 crore eligible universe by August 10 or the first week of September; ₹2,600 crore was already disbursed.

Management’s own plans and goals, from our notes of the call. A plan is not a result.

Source: the call transcript.

From the call for April to June 2026, 20 July 2026. The July to September 2026 results are out since, so this part may be out of date until we update it.

When IOB reports October to December 2026, these are the 4 checks that show whether the story is still on course. First: Global NIM to remain within 3.3%-3.4% and ROA within 1.4%-1.5% over the next two to three quarters.

IOB is on 5 of our India lists: Undervalued stocks, 52 week high & low, Small & mid cap stocks, Penny stocks and Bank stocks.

Indian Overseas Bank earned ₹1,963 Cr of net profit in the Sep 2026 quarter, +55.9% on the same quarter a year earlier. That is the 12th quarter in a row of profit growth. Full-year FY26 profit was ₹5,418 Cr. That is 21.3% of the quarter's revenue. The same quarter a year earlier earned ₹1,259 Cr.

Net profit is what is left after every cost, interest and tax. Earnings per share, dividends and book value all grow from it.

For the full year, FY26 profit was ₹5,418 Cr (+59.5% on the year before).

Why profit moved: revenue changed +17.2% on a year earlier and the margin moved +5.3 percentage points. Most of the change came from keeping more of each sale.

On average over the last four quarters, profit changed +51.8% and revenue +15.5%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra rupee of revenue adds more to profit.

Indian Overseas Bank reported ₹9,201 Cr of income in the Sep 2026 quarter, +17.2% on the same quarter a year earlier. That is the 12th quarter in a row with growth on the year before. Over 10 years it has grown 3.1% a year on average. The last full year, FY26, came in at ₹31,896 Cr.

For a bank, revenue is everything it earns: interest on its loans plus fees and other income.

The last four reported quarters add to ₹34,640 Cr.

FY26 revenue was ₹31,896 Cr, +13.3% on the year before.

Recent pace: the last four quarters grew +15.5% on average, against 3.1% a year over the longer run, so this year is growing faster than its own long-run rate.

Is growth speeding up? Revenue over the last 12 months grew +15.5%, against +15.0% a year over the last 8 quarters (stabilising); profit over the last 12 months grew +51.3%, against +49.9% a year (stabilising).

Indian Overseas Bank's net margin was 21.3% in the Sep 2026 quarter, 5.3 percentage points higher than the same quarter a year ago. Its latest full-year margin is the highest it has ever reported. Across 14 years it has been between −49.0% and 17.0%. The latest quarter is above every full year in that period.

Net margin is what the bank keeps from every ₹100 of revenue after every cost, provision for bad loans and tax. It is the clearest single margin we can read for a lender.

Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason.

As noted under valuation: when margins are at a record, every ratio built on profit looks better than usual, so a low multiple can mislead.

Indian Overseas Bank's gross NPA, the share of loans that have stopped being repaid, is 1.54% in Dec 2025, down from 2.55% a year ago. After the money already set aside for bad loans, 0.24% is left (net NPA). That is the 8th quarter in a row of improvement.

Gross NPA is the share of the loan book where repayments have stopped. Net NPA is what is left after the money the lender has already set aside for those loans. Falling is good; rising is a warning.

Across the 9 quarters on file it has been between 1.54% and 3.90%. Falling bad loans mean the loan book is healing; rising ones mean new damage.

In Dec 2025, gross NPA was 1.54% and net NPA 0.24%, against 2.55% and 0.42% a year ago.

The bad-loan figures stop at Dec 2025, and our data does not yet carry gross and net NPA for the quarters after it, although results up to Sep 2026 are in. They are shown as filed, not estimated.

In short: a lender's profit growth is only as good as its loans, and this loan book is healing, several quarters running. Quarterly detail on money set aside for bad loans is not in our data yet, so this shows the levels and the trend, not the cost of the clean-up.

Why bad loans moved: recoveries, write-offs and new bad loans all play a part. That split is not in our data, so the page shows the trend without the breakdown.

Indian Overseas Bank's revenue was ₹31,896 Cr in FY26, +13.3% on the year before, so the loan book is growing. The latest quarter was +17.2% on a year earlier. The net margin on that income is 21.3%, +5.3 percentage points on a year ago.

We read the loan book through revenue: when the book grows, revenue grows with it. It is only a rough guide, because interest-rate changes and fee swings can move it a few points in any year.

Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year.

In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses.

Indian Overseas Bank's P/BV is 1.4×, near the low end of its own history: it has been lower only 7% of the time. Its usual P/BV (the middle reading) is 2.2×, over 11 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth.

For a bank or lender we compare the price with book value, the net worth on its balance sheet. P/BV is how many rupees the market pays for each ₹1 of that net worth. Below 1× means the market values it at less than its net worth.

Keep one thing in mind: the net margin is the best this company has ever reported. A multiple that looks low against its own past can mislead when profit is at a record. If margins fall back, today's multiple is higher than it looks.

Why the multiple is where it is: over the past year book value grew while the price moved −24.2%. Price and book value moved together, so the multiple stayed in its range.

Where the price move came from: over 3 years the price moved −9.0% a year; about +14.4% a year came from book-value growth and about −23.4 percentage points from the multiple (the market paying less). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple.

In short: the multiple is low against its own past, so the book value trend underneath matters more than the multiple.

Indian Overseas Bank's business is giving mixed signals. There is no clear direction across the growth lines, with ROE rising at 16.5%; each line tells part of the story. This is based on 12 quarters of 4 measures.

Every business is somewhere on a path of getting better or worse, and this section names where. The last 12 quarters of growth in revenue, profit and earnings per share, plus the return the business earns on its capital, are read as lines. Getting worse: the lines are falling. Turning around: a low point has just formed and the last few quarters are rising from it. Getting better: the rise from the low has lasted. Growing steadily: steady growth with healthy returns. Slowing from a peak: still high, but slowing. When the lines disagree the result is mixed; too little history means no reading. CAGR (compound annual growth rate) is the steady yearly rate that would turn the starting value into the latest one. It is the fairest way to compare growth over different periods. If the 1-year figure is much bigger than the 10-year one, recent growth is running faster than the long-run trend. A dash means there is no figure for that period, or the starting year was a loss, where a growth rate means nothing.