Indian Overseas Bank Q1 FY27 Results: PAT Jumps 49%, NII Up 34%
Indian Overseas Bank reported a strong Q1 FY27 with PAT rising to ₹1,659 crore and NII increasing to ₹3,688 crore. Asset quality improved further, while ROA, ROE and NIM strengthened during the quarter.
IOB Q1 Results 2027: Indian Overseas Bank reported a robust Q1 FY27 performance, with PAT surging 49% YoY to ₹1,659 crore and NII rising 34% YoY to ₹3,688 crore. Asset quality improved further, while profitability ratios strengthened despite a moderation in operating profit margin.
IOB Q1 Results 2027: On 20 July, Indian Overseas Bank reported a strong performance for the first quarter of FY27, with Net Interest Income (NII) rising 34.30% year-on-year to ₹3,688 crore, while Profit After Tax (PAT) surged 49.34% YoY to ₹1,659.24 crore. The bank also reported improved asset quality and higher profitability. Here's a detailed breakdown of IOB's Q1 FY27 results.
Indian Overseas Bank Q1 FY2027 Results Highlights
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Total Income stood at ₹10,937.80 crore in Q1 FY27, registering 23.36% YoY growth from ₹8,866.47 crore in Q1 FY26. total income increased 11.84% from ₹9,779.87 crore in Q4 FY26.
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Net Interest Income (NII) increased to ₹3,688 crore, up 34.30% YoY from ₹2,746 crore. Compared with ₹3,470 crore in Q4 FY26, NII grew 6.28% QoQ.
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Pre-Provision Operating Profit (PPOP) stood at ₹2,693.10 crore, rising 14.21% YoY from ₹2,357.95 crore. Sequentially, PPOP increased 1.05% from ₹2,665.05 crore.
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Operating Profit Margin stood at 24.62%, compared with 26.59% in Q1 FY26 and 27.25% in Q4 FY26, contracting 197 basis points YoY and 263 basis points QoQ.
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Profit After Tax (PAT) stood at ₹1,659.24 crore, rising 49.34% YoY from ₹1,111.04 crore. Compared with ₹1,505.45 crore in Q4 FY26, PAT increased 10.21% QoQ.
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Earnings Per Share (EPS) increased to ₹0.86 from ₹0.58 in Q1 FY26, registering 48.28% YoY growth. Compared with ₹0.78 in Q4 FY26, EPS increased 10.26% QoQ.
|
Metric |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Total Income (₹ Cr) |
10,937.80 |
9,779.87 |
11.84% |
8,866.47 |
23.36% |
|
Net Interest Income (₹ Cr) |
3,688.00 |
3,470.00 |
6.28% |
2,746.00 |
34.30% |
|
Operating Profit (PPOP) (₹ Cr) |
2,693.10 |
2,665.05 |
1.05% |
2,357.95 |
14.21% |
|
Operating Profit Margin |
24.62% |
27.25% |
-263 bps |
26.59% |
-197 bps |
|
Profit After Tax (₹ Cr) |
1,659.24 |
1,505.45 |
10.21% |
1,111.04 |
49.34% |
|
Gross NPA (%) |
1.33% |
1.42% |
-9 bps |
1.97% |
-64 bps |
|
Net NPA (%) |
0.18% |
0.21% |
-3 bps |
0.32% |
-14 bps |
|
CASA (%) |
41.05% |
40.99% |
+6 bps |
43.78% |
-273 bps |
|
ROA (%) |
1.41% |
1.32% |
+9 bps |
1.14% |
+27 bps |
|
ROE (%) |
22.69% |
21.94% |
+75 bps |
19.00% |
+369 bps |
|
NIM (%) |
3.37% |
3.25% |
+12 bps |
3.04% |
+33 bps |
|
EPS (₹) |
0.86 |
0.78 |
10.26% |
0.58 |
48.28% |
Source: Indian Overseas Bank Q1 FY27 Investor Presentation and Financial Results.
Indian Overseas Bank Q1 FY27 Segment-wise Revenue
Retail Banking remained the largest contributor to the bank's revenue during the quarter, followed by Corporate/Wholesale Banking and Treasury Operations. Retail Banking delivered the strongest year-on-year growth among the core banking segments.
|
Particulars (₹ Cr) |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Treasury Operations |
2,679.86 |
2,182.24 |
22.80% |
2,292.04 |
16.92% |
|
Corporate / Wholesale Banking |
3,147.56 |
2,995.03 |
5.09% |
2,853.53 |
10.30% |
|
Retail Banking |
4,987.31 |
4,467.31 |
11.64% |
3,602.59 |
38.44% |
|
Other Banking Operations |
122.88 |
134.78 |
-8.83% |
118.19 |
3.97% |
|
Unallocated |
0.19 |
0.51 |
-62.75% |
0.12 |
58.33% |
|
Total Income from Operations |
10,937.80 |
9,779.87 |
11.84% |
8,866.47 |
23.36% |
Source: Indian Overseas Bank Q1 FY27 Segment Information.
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Indian Overseas Bank Share Price Today
As of 20th July, 3:30 PM
Indian Overseas Bank closed at 35.06 (+3.57%) on 20 July 2026. The stock is down 3.39% year-to-date and down 11.89% over the last year.
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