Established in 1937 by Shri M.Ct.M. Chidambaram Chettyar, Indian Overseas Bank was founded to provide banking to the underserved and promote India's global trade aspirations. The bank's vision is to emerge as the preferred bank connecting generations, built upon high standards of ethics and strong governance. Its core mission is to provide the best banking solutions for customer delight, leveraging both digital and physical experiences through a skilled workforce. Operating on a universal banking model, it caters to a wide range of credit and deposit needs for its diverse customers. A pioneer in technology, IOB was among the first banks in India to introduce computerisation and digital banking to its customers. As of March 2025, the bank commands a formidable presence with 3,335 branches across India, including 929 in rural areas.;

CEO/MD

Shri Ajay Kumar Srivastava

Founded in

1937

NSE symbol

IOB

Shareholding pattern

Jun '25

Sep '25

Dec '25

Mar '26

Jun '26

Mutual Funds Invested (4)

Fund name	AUM%
SBI Nifty Midcap 150 Index Fund Direct Growth	0.11
ICICI Prudential Nifty Midcap 150 Index Fund Direct Growth	0.11
Motilal Oswal Nifty Midcap 150 Index Fund Direct Growth	0.11
Nippon India Nifty Midcap 150 Index Fund Direct Growth	0.11

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CNBC TV 18 • 13 hours ago

Indian Overseas Bank raised its MCLR by 5 bps across six tenors, effective October 15. The one-month rate remains unchanged at 8.3%, while one-year and two-year rates rose to 8.9%.

BSE • 6 days ago

Indian Overseas Bank revised its Repo Linked Lending Rate upward from 8.1% to 8.4%. The revised External Benchmark Lending Rate comes into effect from October 8, 2026.

ScoutQuest • 1 week ago

India Ratings upgraded Indian Overseas Bank's long-term issuer rating and Basel III Tier 2 bonds to IND AA+/Stable from IND AA/Positive, driven by improved asset quality, stronger core profitability, comfortable capital buffers, controlled slippages, and lower credit costs. The rating covers Basel III Tier 2 bonds of INR 11.7 billion, though gains are partly offset by a moderating CASA ratio, rising loan-to-deposit ratio, and gold-backed and geographic concentration.

Business Standard • 1 week ago

Nifty PSU Bank index gained 2% as Bank of India, PNB, Indian Bank, and IOB rallied up to 4% after steady Q2FY27 business updates. Indian Bank, Bank of Baroda, and Bank of India recorded double-digit growth across loans and deposits. Motilal Oswal expects PSU banks' Q2FY27 PAT to surge 27% YoY, driven by strong business momentum and stake sale gains. The brokerage projects resilient margins, stable asset quality, and an earnings CAGR of 11% over FY26-28.

BSE • 2 months ago

Indian Overseas Bank revises MCLR rates effective 15.08.2026, increasing 3-month, 6-month, 1-year, 2-year, and 3-year rates by 5 bps each. Revised MCLRs: 3-month - 8.45%, 6-month - 8.7%, 1-year - 8.85%, 2-year - 8.85%, 3-year - 8.9%.

BSE • 2 months ago

CARE Ratings upgrades Indian Overseas Bank's Tier II Bonds rating to CARE AA (Stable), reflecting improved asset quality and profitability. IOB's CASA ratio stands at 41.05% as of June 2026, with gross advances growing by 24.2% in FY26. Asset quality and capitalisation remain strong.

Live Mint • 3 months ago

IOB wipes out ₹20,000-cr losses, enabling dividend declaration. The bank plans to raise ₹5,000 cr via share sale, says top official.

CNBC TV18 • 3 months ago

Indian Overseas Bank (IOB) targets credit growth above its 13-14% guidance for FY27 if conditions permit, aiming for over 20% growth. IOB plans to mobilize ₹600-650M FCNR-B deposits by Sept, maintaining NIM at 3.30-3.40% and ensuring robust asset quality.

ScoutQuest • 3 months ago

IOB's Ajay Kumar Srivastava confirms 13-14% credit growth guidance, expects NIMs at 3.3-3.4%. Asset quality concerns minimized; recent SMA increase termed temporary.

Livesquawk • 3 months ago

Indian Overseas Bank projects FY credit cost of 0.35%-0.4%. Bank targets INR 500m book in GIFT City by year-end.

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