Profit before tax surged 75.94% year-on-year to Rs 1,727.58 crore, compared to Rs 982.32 crore in Q2 FY25.
Net Interest Income (NII) jumped 20.53% to Rs 3,059 crore in Q2 FY26 as against Rs 2,538 crore reported in Q2 FY25. Net interest margin (NIM) stood to 3.21% in Q2 FY26 as compared to 3.08% registered in the same period a year ago.
IOB's total business increased by Rs 76,233 crore to Rs 6,17,034 crore as of 30 September 2025, registering a 14.10% growth compared to Rs 5,40,801 crore a year earlier.
Total Deposits increased by Rs 28,414 crores to Rs 3,39,066 crore as on 30 September 2025, as compared to Rs 3,10,652 crore as on 30 September 2024, registering growth of 9.15 % on YoY basis.
Current Account and Savings Account (CASA) deposits grew by Rs 5,531 crore to Rs 1,37,387 crore from Rs 1,31,856 crore in Q2 FY25, reflecting a growth of 4.19%. However, the CASA ratio declined to 40.52% in Q2 FY26 from 42.44% a year ago.
Gross advances during the quarter stood at Rs 2,77,968 crore, showing a strong growth of 20.78% from Rs 2,30,149 crore reported in the corresponding quarter last year.
During the quarter, Gross non performing assets (NPA) stood at Rs 5,078.27 crore, down 18.73% as against Rs 6,249.07 crore in corresponding quarter last year.
Gross NPA ratio stood at l.83% as on 30 September 2025 as against 2.72% as on 30 September 2024. Net NPA ratio stood at 0.28% as on 30 September 2025 as compared with 0.47% as on 30 September 2024.
The Provision Coverage Ratio (PCR) stood at 97.48% as of 30 September 2025, compared to 97.06% in the year-ago quarter.
The Basel III Capital Adequacy Ratio (CRAR) improved by 49 basis points to 17.94% as of 30 September 2025. This comprised a Common Equity Tier 1 (CET1) ratio of 15.53% and a Tier II Capital ratio of 2.41%.
Indian Overseas Bank is engaged in the business of banking & financial services.
The scrip shed 0.82% to Rs 39.90 on the BSE.
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Beware of fraudulent tips, unauthenticated news and advice on stock market.
At BOB Capital, your account security is our topmost priority. Beware of receiving fraudulent communications, unauthenticated trading tips and unsolicited calls on trading in stocks from unverified sources, received through Whatsapp, Telegram, SMS, Calls, etc and take an informed decision before investing.
What should you do if you receive a trading tip over phone or SMS?
Report unsolicited messages to the Stock Exchange on +91 8291833676 or on designated email id i.e. feedbk_invg@nse.co.in. Please visit here to understand better.
Please visit CVC website at pledge.cvc.nic.in and take "Integrity Pledge" to be an active part of the "Satark Bharat, Samriddh Bharat" (Vigilant India, Prosperous India).
Filing complaints on SCORES - Easy & quick: a. Register on SCORES portal scores.sebi.gov.in/ b. Mandatory details for filing complaints on SCORES are i. Name, PAN, Address, Mobile Number, E-mail ID. c. Benefits: i. Effective communication ii. Speedy redressal of the grievances.
Valued Customer,
BOB Capital Markets Limited (BOBCaps) is firmly committed to the safety of your wealth. We would like to bring to your notice certain precautions that you certainly must take against potential tele-fraudsters/ unscrupulous and unregistered portfolio managers:
ALWAYS AVOID
We would like to caution you against such fraudulent calls and SMSes and urge you to be alert. Follow the golden rule:
Do not share your Login Credentials or Passwords with anybody
BOBCaps employees / representatives never ask for your password.
Certain tele-fraudsters / unscrupulous and unregistered portfolio managers call customers or SMS them on the pretext of providing investment tips and lure them to invest through their bogus firms by promising huge profits.
Such deceitful callers ask the customer to share his/her login credentials with passwords to allow trading in their accounts, assuring huge returns.
Often trades done in the customer’s accounts are far from the best interest of the customers. Holdings of customers are often sold and with the funds, trades are then placed in illiquid securities at unrealistic prices.
At times, the holdings of customers are sold at prices detrimental to the customer. The so-called “portfolio manager” assures profits, which naturally does not materialize. Customers are deceived into providing access to their trading accounts, thereby allowing such fraudsters access to funds and securities available to execute trades, injurious to the customer’s interest.
In our continuous effort to keep you safeguard from the market related frauds and increase awareness while conducting trades, we request you to go through the Press Release issued by the NSE and would request you to ensure that you do not engage with the individuals and entities mentioned below: