Quarterly results · IOB
INDIAN OVERSEAS BANK reported revenue of ₹5,848 cr and net profit of ₹1,716 cr in Q1 FY27 (quarter ended 30 Jun 2026), +45.6% year on year. Below is the full quarter-wise results table with revenue, operating profit, margins, tax, EPS and annual history — updated automatically from exchange filings.
| Quarter | Q1 FY27 |
|---|---|
| Quarter ended | 30 Jun 2026 |
| Revenue | ₹5,848 cr |
| Revenue YoY | +38.3% |
| Operating profit | — |
| Operating margin | — |
| Net profit | ₹1,716 cr |
| Net profit YoY | +45.6% |
| Net profit QoQ | +10.3% |
| Net margin | 29.3% |
| Basic EPS | ₹0.89 |
| TTM revenue | ₹19,635 cr |
| TTM net profit | ₹5,878 cr |
| TTM net margin | 29.9% |
INDIAN OVERSEAS BANK (IOB) has reported its Q1 FY27 results for the quarter ended 2026-06-30. The company posted revenue of ₹5,848 cr and a net profit of ₹1,716 cr, translating into earnings per share of ₹0.89.
Compared with the same quarter a year earlier, revenue grew strongly by +38.3% and net profit grew strongly by +45.6%. Profit rising faster than revenue points to better cost control or operating leverage flowing through the P&L.
Revenue
₹5,848 cr
+38.3% YoY
Net profit
₹1,716 cr
+45.6% YoY
Operating profit
—
— YoY
EPS
₹0.89
+45.9% YoY
| Quarter | Revenue | Operating profit | Net profit | OPM | Net margin | EPS | Profit YoY | Profit QoQ |
|---|---|---|---|---|---|---|---|---|
| Q1 FY272026-06-30 | ₹5,848 cr | — | ₹1,716 cr | — | 29.3% | ₹0.89 | +45.6% | +10.3% |
| Q4 FY262026-03-31 | ₹4,761 cr | — | ₹1,556 cr | — | 32.7% | ₹0.81 | +42.5% | +9.0% |
| Q3 FY262025-12-31 | ₹4,798 cr | — | ₹1,427 cr | — | 29.7% | ₹0.71 | — | +21.1% |
| Q1 FY262025-06-30 | ₹4,229 cr | — | ₹1,178 cr | — | 27.9% | ₹0.61 | — | +7.9% |
| Q4 FY252025-03-31 | ₹4,705 cr | — | ₹1,092 cr | — | 23.2% | ₹0.58 | — | — |
| TTM (last 4 quarters) | ₹19,635 cr | — | ₹5,878 cr | — | 29.9% | ₹3.02 | — | — |
Consolidated figures as reported to the exchanges, shown in ₹ crore. OPM = operating profit margin. Updated automatically whenever a new quarter is filed.
Line-item results for the last six quarters as filed — sales, expenses, operating profit, interest, tax and profit after tax in ₹ crore.
| Particulars | Q1 FY272026-06-30 | Q4 FY262026-03-31 | Q3 FY262025-12-31 | Q1 FY262025-06-30 | Q4 FY252025-03-31 |
|---|---|---|---|---|---|
| Revenue / Sales | ₹5,848 cr | ₹4,761 cr | ₹4,798 cr | ₹4,229 cr | ₹4,705 cr |
| Interest cost | ₹5,090 cr | ₹5,019 cr | ₹4,874 cr | ₹4,639 cr | ₹4,510 cr |
| Profit before tax | ₹1,859 cr | ₹1,659 cr | ₹1,367 cr | ₹1,515 cr | ₹1,554 cr |
| Tax expense | ₹200 cr | ₹154 cr | ₹2.33 cr | ₹403 cr | ₹503 cr |
| Effective tax rate | 10.7% | 9.3% | 0.2% | 26.6% | 32.4% |
| Net profit (PAT) | ₹1,716 cr | ₹1,556 cr | ₹1,427 cr | ₹1,178 cr | ₹1,092 cr |
| Net profit margin | 29.3% | 32.7% | 29.7% | 27.9% | 23.2% |
| Basic EPS | ₹0.89 | ₹0.81 | ₹0.71 | ₹0.61 | ₹0.58 |
| Diluted EPS | ₹0.89 | ₹0.81 | ₹0.71 | ₹0.61 | ₹0.58 |
| Growth | Q1 FY27 | Q4 FY26 | Q3 FY26 | Q1 FY26 | Q4 FY25 |
|---|---|---|---|---|---|
| Revenue YoY | +38.3% | +1.2% | — | — | — |
| Revenue QoQ | +22.8% | -0.8% | +13.5% | -10.1% | — |
| Operating profit YoY | — | — | — | — | — |
| Operating profit QoQ | — | — | — | — | — |
| Net profit YoY | +45.6% | +42.5% | — | — | — |
| Net profit QoQ | +10.3% | +9.0% | +21.1% | +7.9% | — |
| EPS YoY | +45.9% | +39.7% | — | — | — |
| EPS QoQ | +9.9% | +14.1% | +16.4% | +5.2% | — |
Full-year performance for INDIAN OVERSEAS BANK, useful for reading each quarter in context.
| Particulars | FY262026-03-31 | FY252025-03-31 | FY242024-03-31 | FY232023-03-31 |
|---|---|---|---|---|
| Revenue / Sales | ₹18,418 cr | ₹16,504 cr | ₹15,502 cr | ₹12,376 cr |
| Interest cost | ₹19,322 cr | ₹17,244 cr | ₹14,227 cr | ₹11,146 cr |
| Profit before tax | ₹6,478 cr | ₹4,573 cr | ₹2,666 cr | ₹2,104 cr |
| Tax expense | ₹1,060 cr | ₹1,177 cr | ₹757 cr | ₹249 cr |
| Effective tax rate | 16.4% | 25.7% | 28.4% | 11.9% |
| Net profit (PAT) | ₹5,418 cr | ₹3,396 cr | ₹2,666 cr | ₹2,104 cr |
| Net profit margin | 29.4% | 20.6% | 17.2% | 17.0% |
| Basic EPS | ₹2.70 | ₹1.76 | ₹1.40 | ₹1.15 |
| Diluted EPS | ₹2.70 | ₹1.76 | ₹1.40 | ₹1.15 |
Topline for Q1 FY27 came in at ₹5,848 cr against ₹4,229 cr in Q1 FY26, and ₹4,761 cr in the preceding Q4 FY26 quarter.
On a sequential basis revenue grew +22.8%. Sequential moves are the quickest read on demand momentum because they strip out the base effect of a year-old quarter, though seasonality can distort a single quarter.
Net profit of ₹1,716 cr works out to a net margin of 29.3% compared with 27.9% in the year-ago quarter. Margin expansion of this kind usually reflects a better product or service mix, softer input costs, or tighter overheads.
Below the operating line, INDIAN OVERSEAS BANK reported profit before tax of ₹1,859 cr, a tax charge of ₹200 cr (effective rate 10.7%), interest cost of ₹5,090 cr. Reading these together with operating profit shows how much of the quarter's earnings were driven by the core business versus financing and tax movements.
Sequentially, net profit moved from ₹1,556 cr in Q4 FY26 to ₹1,716 cr in Q1 FY27, a change of +10.3%.
Across the trailing four quarters INDIAN OVERSEAS BANK has generated revenue of ₹19,635 cr and net profit of ₹5,878 cr, a trailing net margin of 29.9%. The trailing view smooths out one-off quarters and is the number most valuation multiples are built on.
On a full-year basis, FY26 revenue was ₹18,418 cr with net profit of ₹5,418 cr and EPS of ₹2.70, versus the prior year where revenue grew +11.6% and profit grew +59.6%.
For the coming quarters the numbers worth tracking on this page are revenue momentum, the operating margin trend, the interest burden and whether EPS keeps pace with profit growth. A sustained run of year-on-year profit growth is what usually drives a re-rating rather than any single quarter.
INDIAN OVERSEAS BANK has not yet intimated its next results date to the exchange. This page refreshes automatically from filings and the board-meeting calendar, so the tables above will reflect the next quarter as soon as it is reported.
All figures here are as reported to the exchanges and shown in ₹ crore, without adjustment. This is information and analysis, not investment advice.
No results report published for IOB yet — our desk covers each quarter within minutes of the filing.
In Q1 FY27 (quarter ended 30 Jun 2026), INDIAN OVERSEAS BANK reported revenue of ₹5,848 cr and net profit of ₹1,716 cr, a change of +45.6% year on year on +38.3% revenue growth. EPS stood at ₹0.89.
INDIAN OVERSEAS BANK posted a net profit margin of 29.3% and an operating margin of not available in Q1 FY27. On a trailing twelve-month basis, revenue is ₹19,635 cr and net profit ₹5,878 cr.
INDIAN OVERSEAS BANK net profit changed +10.3% quarter on quarter, from ₹1,556 cr in Q4 FY26 to ₹1,716 cr in Q1 FY27.
INDIAN OVERSEAS BANK has not yet intimated its next results date to the exchange. This page updates automatically from the exchange board-meeting calendar.
Results coverage for IOB will appear here as soon as the company reports. Meanwhile you can track live price and technicals on the IOB stock page.
For FY26, INDIAN OVERSEAS BANK reported full-year revenue of ₹18,418 cr and net profit of ₹5,418 cr, with EPS of ₹2.70.
Past results dates for IOB will be listed here from the exchange calendar.
Results dates sourced from the exchange board-meeting calendar; reported figures from company filings, last refreshed 11 Sept 2026. For information only, not investment advice.
