Indian Overseas Bank (IOB) is a government-owned bank in India, started in 1937. Its headquarters is in Chennai. The bank has thousands of branches across India and also in other countries like Singapore and Hong Kong.
IOB offers basic banking services like savings and current accounts, fixed deposits, and loans for homes, education, and businesses. It also helps people send and receive money within India and from other countries. Customers can use ATMs, mobile banking, and internet banking to manage their money easily.
The bank follows rules set by the Reserve Bank of India (RBI) to keep money safe. Since the Indian government owns IOB, people trust it for secure banking services.
Indian Overseas Bank Share Price Target (2025-2030)
| Year | Share Price Target (₹) |
|---|---|
| 2025 | ₹57.23 – ₹66.78 |
| 2026 | ₹70.45 – ₹78.92 |
| 2027 | ₹80.17 – ₹89.63 |
| 2028 | ₹90.56 – ₹105.34 |
| 2029 | ₹110.89 – ₹122.47 |
| 2030 | ₹125.15 – ₹130.82 |
Indian Overseas Bank Share Price Target 2025 (₹57.23 – ₹66.78)
In 2025, Indian Overseas Bank’s share price is likely to go up because the bank is doing better with its money, using more online banking, and recovering more loans. The bank is also working hard to reduce bad loans and make more profit. These efforts could help the share price grow and reach its target.
Indian Overseas Bank Share Price Target 2026 (₹70.45 – ₹78.92)
By 2026, IOB’s share price could go up even more because the bank is giving out more loans, improving its online banking services, and managing its assets better. If the economy grows steadily and the government helps public banks with new rules, the share price might reach higher levels.
Indian Overseas Bank Share Price Target 2027 (₹80.17 – ₹89.63)
In 2027, IOB’s share price could rise because the bank is earning more money, more people are taking loans, and it is working more efficiently. If the bank keeps improving its finances and reduces bad loans, investors will feel more confident, which could help the share price grow.
Indian Overseas Bank Share Price Target 2028 (₹90.56 – ₹105.34)
By 2028, Indian Overseas Bank’s share price could grow because of more loans, higher profits, and better risk management. The bank is also working on improving its online banking services and keeping its assets stable, which could help the stock reach its target.
Indian Overseas Bank Share Price Target 2029 (₹110.89 – ₹122.47)
In 2029, IOB’s stock price could go up because of government banking reforms, more loans being given, and fewer bad loans. If the bank keeps making its finances stronger and earning more money, it could reach this price range.
Indian Overseas Bank Share Price Target 2030 (₹125.15 – ₹130.82)
By 2030, Indian Overseas Bank’s share price could reach new highs if it keeps growing its income, takes fewer risks, and gets strong support from the government. The bank’s long-term plans and India’s growing banking sector could help push IOB’s stock to this level.
Indian Overseas Bank (IOB) Fundamentals
| Fundamental Metric | Value |
|---|---|
| Market Cap | ₹84,418 Cr |
| P/E Ratio (TTM) | 27.07 |
| P/B Ratio | 3.22 |
| Industry P/E | 12.00 |
| Debt to Equity | NA |
| Return on Equity (ROE) | 11.88% |
| Earnings Per Share (EPS) (TTM) | 1.65 |
| Dividend Yield | 0.00% |
| Book Value | 13.86 |
| Face Value | 10 |
Indian Overseas Bank (IOB) – December 2024 Financials
Income Statement (Dec 2024)
| Particulars | Value |
|---|---|
| Revenue | ₹8,409 Cr |
| Expenses | ₹7,172 Cr |
| EBITDA | ₹1,237 Cr |
| EBIT | ₹1,237 Cr |
| Profit Before Tax | ₹1,237 Cr |
| Net Profit | ₹873.66 Cr |
Financial Ratios (Dec 2024)
| Ratio | Value |
|---|---|
| Operating Profit Margin | 78.18% |
| Net Profit Margin | 12.28% |
| Earnings Per Share (EPS) | ₹0.46 |
| Dividends Per Share | ₹0.00 |
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Indian Overseas Bank (IOB) – Balance Sheet (Dec, 2024)
Assets
| Particulars | Dec, 2024 |
|---|---|
| Total Assets | ₹3,13,450 Cr |
| Current Assets | ₹28,964 Cr |
| Non-Current Assets | ₹3,13,450 Cr |
| Cash & Cash Equivalents | Not specified |
| Loans & Advances | Not specified |
Liabilities
| Particulars | Dec, 2024 |
|---|---|
| Total Liabilities | ₹2,88,574 Cr |
| Current Liabilities | ₹2,66,789 Cr |
| Non-Current Liabilities | ₹21,785 Cr |
Equity
| Particulars | Dec, 2024 |
|---|---|
| Total Equity | ₹24,876 Cr |
| Common Stock | ₹18,902 Cr |
| Other Equity | ₹5,974 Cr |
| Book Value per Share | ₹11.70 |
Indian Overseas Bank (IOB) – Shareholding Pattern (Dec,2024)
| Category | Percentage (%) |
|---|---|
| Promoters (Government of India) | 96.38% |
| Retail & Others | 2.29% |
| Other Domestic Institutions | 1.23% |
| Mutual Funds | 0.07% |
| Foreign Institutions | 0.02% |
Conclusion
Indian Overseas Bank (IOB) is expected to grow steadily from 2025 to 2030 by improving money management, using more online banking, and reducing bad loans. This makes it a good long-term investment. If the bank gets government support and performs well, it can grow further. Always check the bank’s performance and market conditions before investing.
FAQ
Is IOB a safe bank?
Yes, IOB is a government bank and follows rules set by the Reserve Bank of India (RBI), so it is considered safe and trustworthy.
What is the current market position of IOB?
IOB is a mid-sized public sector bank with a strong presence in India and a focus on improving its financial performance and customer services.
Does IOB pay dividends to its shareholders?
No,dividend yield is 0.00%, but this could change in the future as the bank improves its profits.
