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Daily Range
Daily RangeToday's Low
₹ 50.10
Today's High
₹ 52.25
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52 Weeks Range
52 Weeks Low
₹ 15.25
52 Weeks High
₹ 36.70
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Momentum of the Stock
Momentum of the Stock Bearish![]()
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Circuit Limit
Lower
₹ 40.90
Upper
₹ 61.35
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Financials Strength Score
Financials Strength Score Piotroski Score
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Company Profile
Indian Overseas Bank provides various banking products and services. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It accepts various deposits, such as savings, current, fixed, recurring, reinvestment, education, and term deposits. Its loan products include agricultural, retail, and MSME loans. The company also provides debit and credit cards, NRI accounts, agricultural and rural banking products, merchant banking, payment, and internet banking services. As of March 31, 2022, it operated 3,214 branches and 3,355 ATMs in India; and overseas branches in Singapore, Hong Kong, Colombo, and Bangkok. The company was founded in 1937 and is based in Chennai, India.
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Companies under the same Group
Companies under the same Group
BEML
Bharat Electronics
BHEL
HPCL
IFCI
MTNL
MRPL
Chennai Petrol. Corp
SAIL
LIC Housing Finance
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Key Metrics
Key MetricsStandalone
Consolidated
No of shares Outstanding
1,890.2 Cr.
EPS-TTM
₹1.57
Face Value
₹10.00
Book Value
₹13.43
Net Asset Value
₹11.70
ROE
10.03%
ROA
0.69%
ROCE
8.31%
Dividend Yield
0.00%
Total Debt
₹ 20.8 Cr.
Sales Growth
15.96%
PAT Growth
23.09%
Financials
| Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2003 | FY 2002 | FY 2001 |
|---|---|---|---|---|---|---|
| SOURCES OF FUNDS: | ||||||
| Total Liabilities & Total Equity | 313,449.9 | 299,030.0 | 274,229.3 | 41,235.7 | 35,476.7 | 30,330.2 |
| Share Capital | 18,902.4 | 18,902.4 | 16,646.8 | 444.8 | 444.8 | 444.8 |
| Share Warrants & Outstandings | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Total Reserves | 5,973.6 | 3,695.3 | 451.9 | 1,094.5 | 654.0 | 454.2 |
| Deposits | 260,973.6 | 262,213.8 | 240,352.8 | 36,698.6 | 31,808.5 | 27,414.2 |
| Borrowings | 20,803.8 | 3,070.6 | 3,671.6 | 356.0 | 180.1 | 166.6 |
| Liabilities & Provisions | 6,796.5 | 11,147.8 | 13,106.3 | 2,641.8 | 2,389.3 | 1,850.6 |
| APPLICATION OF FUNDS: | ||||||
| Total Assets | 313,449.9 | 299,030.0 | 274,229.3 | 41,235.7 | 35,476.7 | 30,330.2 |
| Cash and balance with RBI | 17,150.2 | 22,749.7 | 12,189.2 | 2,687.9 | 2,212.5 | 2,340.9 |
| Balances with banks and money at call | 3,670.7 | 14,201.6 | 18,793.2 | 906.2 | 1,412.1 | 1,745.4 |
| Investments | 93,642.5 | 97,640.8 | 95,484.9 | 18,656.8 | 15,014.5 | 11,717.4 |
| Advances | 178,067.7 | 144,253.6 | 127,741.4 | 17,380.4 | 15,162.3 | 13,095.5 |
| Net Block | 3,710.7 | 3,365.9 | 2,917.9 | 382.9 | 386.8 | 379.0 |
| Lease Adjustment | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Capital Work in Progress | 0.1 | 0.1 | 1.1 | 0.0 | 0.0 | 0.0 |
| Other Assets | 17,208.1 | 16,818.3 | 17,101.6 | 1,221.5 | 1,288.4 | 1,052.1 |
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Financial Statement Analysis
Price to BV
The Industry Price to BV stands at 1.86, vs the Price to BV of 4.74, which results in a Positive aspect.
Debt to Equity Ratio
The Industry Debt to Equity Ratio stands at 1.07, vs the Debt to Equity Ratio of 0.23, which results in a Positive aspect.
Current Ratio
The Industry Current Ratio stands at 0.00, vs the Current Ratio of 0.00, which results in a Negative aspect.
Quick Ratio
The Industry Quick Ratio stands at 0.00, vs the Quick Ratio of 0.00, which results in a Negative aspect.
| Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2003 | FY 2002 | FY 2001 |
|---|---|---|---|---|---|---|
| Total Income | 19,407.0 | 16,735.8 | 16,975.6 | 3,484.6 | 3,170.7 | 2,794.0 |
| Total Expenditure | 19,407.0 | 16,735.8 | 16,975.6 | 3,484.6 | 3,170.7 | 2,794.0 |
| Profit Before Tax | 22,400.8 | 20,664.6 | 22,016.9 | 3,073.1 | 2,776.8 | 2,254.0 |
| Less: Taxation | 249.5 | 69.5 | 8.2 | 0.0 | 0.0 | 0.0 |
| Profit After Tax | 2,104.0 | 1,709.3 | 758.4 | 417.0 | 231.1 | 116.0 |
| Earnings Per Share | 0.0 | 0.0 | 0.0 | 9.4 | 5.2 | 2.6 |
| Appropriation | -15,906.3 | -17,115.3 | -18,221.3 | 417.0 | 231.1 | 116.0 |
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Financial Statement Analysis
PAT Growth
The Industry PAT Growth stands at 90.58, vs the PAT Growth of 80.47, which results in a Negative aspect.
Dividend Yield
The Industry Dividend Yield stands at 1.69, vs the Dividend Yield of 0.00, which results in a Negative aspect.
PAT Margin
The Industry PAT Margin stands at 9.51, vs the PAT Margin of 11.97, which results in a Positive aspect.
PE Ratio
The Industry PE Ratio stands at 13.96, vs the PE Ratio of 41.05, which results in a Positive aspect.
| Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2003 | FY 2002 | FY 2001 |
|---|---|---|---|---|---|---|
| Profit Before Tax | 2,353.4 | 1,779.0 | 839.7 | 0.0 | 0.0 | 0.0 |
| Tax Paid | -641.5 | -748.1 | -121.9 | 0.0 | 0.0 | 0.0 |
| Adjustment | 4,492.9 | 4,665.0 | 5,635.8 | 458.7 | 276.9 | 154.0 |
| Changes In Working Capital | 2,353.4 | 1,779.0 | 839.7 | 0.0 | 0.0 | 0.0 |
| Cash Flow after changes in Working Capital | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Cash Flow from Operating Activities | -15,583.5 | 5,539.2 | 4,948.9 | -77.4 | -527.7 | -757.8 |
| Cash Flow from Investing Activities | -559.6 | -49.3 | -46.0 | -36.5 | -51.4 | -34.9 |
| Cash Flow from Financing Activities | 12.7 | 479.0 | 1,812.8 | 83.4 | 117.4 | 190.0 |
| Net Cash Inflow / Outflow | -16,130.4 | 5,968.8 | 6,715.7 | -30.5 | -461.6 | -602.6 |
| Opening Cash & Cash Equivalents | 36,951.3 | 30,982.4 | 24,060.7 | 3,624.6 | 4,086.2 | 4,688.9 |
| Effect of Foreign Exchange Fluctuations | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Closing Cash & Cash Equivalent | 20,820.8 | 36,951.3 | 30,776.3 | 3,594.1 | 3,624.6 | 4,086.2 |
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Financial Statement Analysis
PFCF Ratio
The Industry PFCF Ratio stands at 3.07, vs the PFCF Ratio of -5.47, which results in a Negative aspect.
PCF RATIO
The Industry PCF RATIO stands at 1.91, vs the PCF RATIO of -9.05, which results in a Negative aspect.
| Particulars | Sep 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 |
|---|---|---|---|---|---|---|---|
| Interest Earned | 68,539.4 | 61,798.3 | 58,249.0 | 54,274.5 | 51,947.2 | 50,570.8 | 47,190.5 |
| Other Income | 16,359.6 | 12,628.2 | 11,166.0 | 8,067.0 | 14,358.5 | 9,509.9 | 11,349.6 |
| Total Income | 84,899.0 | 74,426.5 | 69,415.0 | 62,341.5 | 66,305.7 | 60,080.7 | 58,540.1 |
| Interest Expended | 43,145.5 | 37,796.8 | 34,766.0 | 31,024.5 | 29,167.9 | 27,839.9 | 27,643.8 |
| Operating Expenses | 20,446.9 | 18,813.1 | 17,850.8 | 17,826.7 | 18,265.8 | 16,842.8 | 15,965.3 |
| Total Expenditure | 20,446.9 | 18,813.1 | 17,850.8 | 17,826.7 | 18,265.8 | 16,842.8 | 15,965.3 |
| Operating Profit Before Provisions and Contingencies | 21,306.6 | 17,816.6 | 16,798.2 | 13,490.3 | 18,872.0 | 15,398.0 | 14,931.0 |
| Exceptional Items | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Provisions and contingencies | 11,463.1 | 7,013.7 | 10,443.2 | 8,379.4 | 9,958.5 | 9,795.3 | 9,882.2 |
| Profit Before Tax | 9,843.5 | 10,802.9 | 6,355.0 | 5,110.9 | 8,913.5 | 5,602.7 | 5,048.8 |
| Tax | 2,047.3 | 3,561.6 | 83.2 | 70.6 | 2,357.2 | 52.2 | 46.8 |
| Profit After Tax | 7,796.2 | 7,241.3 | 6,271.8 | 5,040.3 | 6,556.3 | 5,550.5 | 5,002.0 |
| Net Profit | 7,796.2 | 7,241.3 | 6,271.8 | 5,040.3 | 6,556.3 | 5,550.5 | 5,002.0 |
| ADDITIONAL INFOS: | |||||||
| Equity Capital | 189,024.1 | 189,024.1 | 189,024.1 | 189,024.1 | 189,024.1 | 189,024.0 | 189,024.0 |
| Reserves | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Capital Adequacy Ratio | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| % of Net NPAs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| % of Gross NPAs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Return on Assets | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| EPS | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Operating Profit Margin | 8,489,807.0 | 7,442,558.5 | 6,941,409.5 | 6,234,060.0 | 6,630,478.5 | 6,007,981.5 | 5,853,917.5 |
| Net Profit Margin | 11.4 | 11.7 | 10.8 | 9.3 | 12.6 | 11.0 | 10.6 |
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Financial Statement Analysis
Net Sales Growth
The Industry Net Sales Growth stands at 21.15, vs the Net Sales Growth of 9.90, which results in a Negative aspect.
Mcap Growth
The Industry Mcap Growth stands at 135.46, vs the Mcap Growth of 75.00, which results in a Negative aspect.
Technicals
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Pivot Levels
Pivot Levels Check Advanced Levels ![]()
| Type | Classic | Woodie | Camarilla |
|---|---|---|---|
| R4 | 55.43 | 57.60 | 52.31 |
| R3 | 54.37 | 54.36 | 51.72 |
| R2 | 53.31 | 53.30 | 51.52 |
| R1 | 52.22 | 52.21 | 51.33 |
| Pivot | 51.16 | 51.15 | 51.16 |
| S1 | 50.07 | 50.06 | 50.93 |
| S2 | 49.01 | 49.00 | 50.74 |
| S3 | 47.92 | 47.91 | 50.54 |
| S4 | 46.83 | 44.70 | 49.95 |
(All Values are in INR)
The Pivot level gives the user an indication about key support & resistance levels for a selected stock.
EMA & SMA Levels 
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Beta
Beta 1 Day
1.87
1 Week
1.87
1 Month
1.84
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Indicators
Stoch RSI
0.00
Bullish
RSI
45.72
Neutral
ROC
-6.11
Bearish
UltimateOscillator
37.05
Neutral
Williams Indicator
-67.22
Neutral
CCI Indicator
-56.74
Neutral
MACD
-2,898.17
Bearish
Stochastic Indicator
27.49
Neutral
ATR
3.20
High Volatility
Corporate Actions
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Corporate Actions - Board Meet
Corporate Actions - Board Meet | Ex-Date | Ratio | Record Date |
|---|
| Ex-Date | Ratio | Record Date |
|---|
| Announcement Date | Dividend Amount | Dividend Percentage of FV | Dividend Type |
|---|
| Date Of Conduct | Board Meeting Details |
|---|---|
| 17-10-2024 | Quarterly Results |
| 22-04-2024 | Inter alia, to consider and approve:- ?The Capital Raising Plan of the Bank for FY 2024-25 through Follow-on Public offer (FPO)/Rights issue/ Qualified Institutional Placement (QIP) / Preferential issue or any other mode or combination thereof and /or through issue of BASEL III compliant Tier II Bonds or such other securities as may be permitted under the applicable laws subject to necessary regulatory approvals and in one or more tranches within a period of 12 months from the date of approval?. |
| 24-01-2024 | Quarterly Results |
| 27-10-2023 | Quarterly Results |
| 02-08-2023 | Quarterly Results |
| 12-05-2023 | Audited Results |
| 09-02-2023 | Quarterly Results |
| 05-11-2022 | Quarterly Results |
| 06-08-2022 | Audited Results |
| 15-06-2022 | Inter alia, to consider and approve To Consider And Approve Capital Plan Of The Bank For FY 2022-23 and other incidental matters. |
| 18-05-2022 | Audited Results |
| 02-02-2022 | Quarterly Results |
| 27-10-2021 | Quarterly Results |
| 03-08-2021 | Quarterly Results |
| 14-06-2021 | Audited Results Inter alia, to consider and approvecapital raising plan for FY - 2021-22 |
| 02-06-2021 | Preferential Issue of shares With referenc to its earlier annoucement dated 12.05.2021 regarding passing of special resolution by shareholders for preferential issue of shares to Government of India for capital infusion amount of RsA100 crore. In this regard, the said agenda for preferential allotment of equity shares to Government of India against capital contribution of RsA,l 00 crores will be placed before the Board of Directors for approval through circular resolution on or after 02.06.2021. |
| 17-05-2021 | Preferential Issue of shares(Cancelled) (Cancelled) |
| 12-04-2021 | Preferential Issue of shares |