INDIAN OVERSEAS BANK
Quarterly Results Analysis [Mar2026]
INDIAN OVERSEAS BANK Quarterly Results
| Consolidated | Mar2026 UnAudited |
Dec2025 UnAudited |
Sep2025 UnAudited |
Jun2025 UnAudited |
Mar2025 UnAudited |
Dec2024 Audited |
Sep2024 UnAudited |
Jun2024 UnAudited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹8,489 Cr | ₹8,172 Cr | ₹7,851 Cr | ₹7,387 Cr | ₹7,635 Cr | ₹7,116 Cr | ₹6,854 Cr | ₹6,539 Cr |
| Other Income | ₹1,291 Cr | ₹1,499 Cr | ₹1,365 Cr | ₹1,480 Cr | ₹1,581 Cr | ₹1,298 Cr | ₹1,634 Cr | ₹1,033 Cr |
| Interest Expended | ₹5,019 Cr | ₹4,874 Cr | ₹4,790 Cr | ₹4,639 Cr | ₹4,510 Cr | ₹4,324 Cr | ₹4,315 Cr | ₹4,096 Cr |
| Expenses | ₹2,096 Cr | ₹2,195 Cr | ₹2,025 Cr | ₹1,870 Cr | ₹2,088 Cr | ₹1,824 Cr | ₹2,045 Cr | ₹1,800 Cr |
| Operating Income | ₹2,665 Cr | ₹2,603 Cr | ₹2,402 Cr | ₹2,359 Cr | ₹2,618 Cr | ₹2,266 Cr | ₹2,128 Cr | ₹1,677 Cr |
| Provisions and contingencies | ₹1,006 Cr | ₹1,236 Cr | ₹672 Cr | ₹844 Cr | ₹1,064 Cr | ₹1,029 Cr | ₹1,146 Cr | ₹938 Cr |
| Profit Before Tax | ₹1,659 Cr | ₹1,367 Cr | ₹1,729 Cr | ₹1,515 Cr | ₹1,554 Cr | ₹1,238 Cr | ₹982 Cr | ₹739 Cr |
| Profit After Tax | ₹1,505 Cr | ₹1,365 Cr | ₹1,228 Cr | ₹1,112 Cr | ₹1,050 Cr | ₹874 Cr | ₹777 Cr | ₹633 Cr |
| % of Net NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| % of Gross NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS | ₹0.81 | ₹0.74 | ₹0.65 | ₹0.61 | ₹0.57 | ₹0.46 | ₹0.41 | ₹0.34 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| INDIAN OVERSEAS BANK | NA | -3.2% | -11.9% |
| STATE BANK OF INDIA | -1.2% | -14.5% | 20.1% |
| BANK OF BARODA | 0.6% | -7.4% | 11.3% |
| UNION BANK OF INDIA | -1.1% | -16.3% | 19.8% |
| PUNJAB NATIONAL BANK | -0.2% | -10.7% | 3.3% |
| CANARA BANK | NA | -11.3% | 18.6% |
| INDIAN BANK | -0.2% | -11.1% | 36.3% |
| BANK OF INDIA | -2.2% | -7.1% | 21.8% |
| BANK OF MAHARASHTRA | 2.3% | -0.5% | 54.2% |
INDIAN OVERSEAS BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | 5.19 % |
| Y-o-Y | 11.05 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Mar2026 | ₹3,470 Cr | 5.19 | |
| Dec2025 | ₹3,299 Cr | 7.75 | |
| Sep2025 | ₹3,061 Cr | 11.39 | |
| Jun2025 | ₹2,748 Cr | -12.04 | |
| Mar2025 | ₹3,124 Cr | 11.91 | |
| Dec2024 | ₹2,792 Cr | 9.95 | |
| Sep2024 | ₹2,539 Cr | 3.93 | |
| Jun2024 | ₹2,443 Cr | - | |
INDIAN OVERSEAS BANK Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | 2.38 % |
| Y-o-Y | 1.80 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Mar2026 | ₹2,665 Cr | 2.38 | |
| Dec2025 | ₹2,603 Cr | 8.39 | |
| Sep2025 | ₹2,402 Cr | 1.82 | |
| Jun2025 | ₹2,359 Cr | -9.90 | |
| Mar2025 | ₹2,618 Cr | 15.51 | |
| Dec2024 | ₹2,266 Cr | 6.48 | |
| Sep2024 | ₹2,128 Cr | 26.95 | |
| Jun2024 | ₹1,677 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | -2.67 % |
| Y-o-Y | -8.33 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Mar2026 | 76.81% | -2.67 | |
| Dec2025 | 78.92% | 0.60 | |
| Sep2025 | 78.45% | -8.59 | |
| Jun2025 | 85.82% | 2.42 | |
| Mar2025 | 83.79% | 3.23 | |
| Dec2024 | 81.17% | -3.15 | |
| Sep2024 | 83.81% | 22.15 | |
| Jun2024 | 68.61% | - | |
INDIAN OVERSEAS BANK Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | 10.28 % |
| Y-o-Y | 43.35 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Mar2026 | ₹1,505 Cr | 10.28 | |
| Dec2025 | ₹1,365 Cr | 11.18 | |
| Sep2025 | ₹1,228 Cr | 10.45 | |
| Jun2025 | ₹1,112 Cr | 5.85 | |
| Mar2025 | ₹1,050 Cr | 20.18 | |
| Dec2024 | ₹874 Cr | 12.43 | |
| Sep2024 | ₹777 Cr | 22.70 | |
| Jun2024 | ₹633 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | 6.17 % |
| Y-o-Y | 28.85 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Mar2026 | 17.73 % | 6.17 | |
| Dec2025 | 16.7 % | 6.78 | |
| Sep2025 | 15.64 % | 3.92 | |
| Jun2025 | 15.05 % | 9.38 | |
| Mar2025 | 13.76 % | 12.05 | |
| Dec2024 | 12.28 % | 8.29 | |
| Sep2024 | 11.34 % | 17.03 | |
| Jun2024 | 9.69 % | - | |
INDIAN OVERSEAS BANK Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | 9.46 % |
| Y-o-Y | 42.11 % |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Mar2026 | ₹0.81 | 9.46 | |
| Dec2025 | ₹0.74 | 13.85 | |
| Sep2025 | ₹0.65 | 6.56 | |
| Jun2025 | ₹0.61 | 7.02 | |
| Mar2025 | ₹0.57 | 23.91 | |
| Dec2024 | ₹0.46 | 12.20 | |
| Sep2024 | ₹0.41 | 20.59 | |
| Jun2024 | ₹0.34 | - | |
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