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Operating profit stood at Rs 2,665.05 crore, up 1.80% YoY from Rs 2,617.92 crore in the corresponding quarter last year.
Profit before tax (PBT) rose 6.72% YoY to Rs 1,659.09 crore in Q4 FY26, compared with Rs 1,554.46 crore in Q4 FY25.
Net Interest Income (NII) jumped 11.11% to Rs 3,470 crore in Q4 FY26 as against Rs 3,123 crore reported in Q4 FY25. Domestic NIM stood at 3.35% while global NIM stood at 3.25% in Q4 FY26.
The bank’s total business increased 20.76% to Rs 6,78,614 crore in Q4 FY26 as against Rs 5,61,958 crore in Q4 FY25. Total deposits increased 18.03% to Rs 3,68,191 crore in Q4 FY26 as against Rs 3,11,938 crore in Q4 FY25.
Current Account and Savings Account (CASA) deposits grew 10.85% to Rs 1.51 lakh crore in Q4 FY26 from Rs 1.36 lakh crore in Q4 FY25. The domestic CASA ratio declined to 41.46% in Q4 FY26 from 44.05% a year ago.
During the quarter, the gross NPA ratio stood at 1.42% as of 31 March 2026, compared with 2.14% a year ago, while the net NPA ratio stood at 0.21% versus 0.37%.
Retail, agri, and MSME credit rose 45.12%, 39.27%, and 13.08% YoY, respectively, while RAM (Retail, Agri, and MSME) business grew 34.91% YoY.
The Provision Coverage Ratio (PCR) stood at 97.50% as of 31 March 2026, compared with 97.30% a year ago. The cost-to-income ratio decreased to 44.02% for Q4 FY26 as against 44.35% for Q4 FY25.
Capital Adequacy Ratio (CAR) rose 74 basis points (bps) to 19.78%, with Tier-I at 16.94% and Tier-II at 2.84% as of March 2026.
On a full-year basis, the bank's standalone net profit surged 56.18% to Rs 5,208.03 crore, while total income increased 11.44% to Rs 37,532.15 crore in FY26 compared with FY25.
Indian Overseas Bank is engaged in the business of banking & financial services.
Shares of Indian Overseas Bank shed 0.31% to Rs 35 on the BSE.
For the full year,net profit rose 59.58% to Rs 5418.46 crore in the year ended March 2026 as against Rs 3395.51 crore during the previous year ended March 2025. Total Operating Income rose 13.33% to Rs 31895.68 crore in the year ended March 2026 as against Rs 28143.64 crore during the previous year ended March 2025.
Shares of Indian Overseas Bank rose 0.49% to close at Rs 35.13 on the BSE.
Overnight - 7.90% One month - 8.20% Three month - 8.40% Six month - 8.65% One year - 8.75% Two year - 8.75% Three year - 8.85%
Indian Overseas Bank is up for a third straight session in a row. The stock is quoting at Rs 36.55, up 1.87% on the day as on 10:24 IST on the NSE. The benchmark NIFTY is down around 0.21% on the day, quoting at 25670.3. The Sensex is at 83238.9, down 0.25%. Indian Overseas Bank has risen around 3.28% in last one month.
Meanwhile, Nifty PSU Bank index of which Indian Overseas Bank is a constituent, has risen around 6.69% in last one month and is currently quoting at 9500.8, up 0.92% on the day. The volume in the stock stood at 55.06 lakh shares today, compared to the daily average of 59.87 lakh shares in last one month.
The PE of the stock is 14.53 based on TTM earnings ending December 25.