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📋 Filing Types Available on ForgeUp Filings Sourced from BSE corporate announcements (equity segment). Companies covered are BSE-listed and most are also listed on NSE. We show only material filings.
Financial Results Orders Dividend Buyback Merger / Acquisition Board Meeting Outcome Fundraise (QIP / Rights / FPO) Regulatory / Court Order Credit Rating Change Promoter Pledge Update Management Change Joint Venture / MOU Delisting Bonus Shares Stock Split
Data sourced from BSE India corporate announcements. More categories will be added over time.
Indian Overseas Bank

Indian Overseas Bank: Net Profit Jumps 55.95% to ₹1,912 Crore in Q2 FY27

RESULTS ▲ Positive Development LOW RISK
📅 Filed on BSE: 26 Oct 2026, 02:06 PM IST  ·  BSE ID: 4ac63e9b-cb7b-4f00-8f7f-076d40b4d929
View Original BSE Filing (PDF)
💡
In Simple Terms
Indian Overseas Bank recorded a significant profit increase, improved asset quality, and expanded its overall business in the latest quarter.
🤖 AI Summary
  • Indian Overseas Bank's Net Profit increased 55.95% YoY to ₹1,912 Crore in Q2 FY27.
  • Operating Profit rose 25.67% YoY to ₹3,016 Crore, Net Interest Income grew 26.41% YoY to ₹3,867 Crore.
  • Gross NPA ratio reduced by 64 bps YoY to 1.19%; Net NPA ratio decreased 12 bps YoY to 0.16%.
  • Global Business expanded 22.05% YoY to ₹7,53,078 Crore, with Global Advances up 24.35% YoY.
  • Return on Assets (ROA) increased 33 bps YoY to 1.53%, and Return on Equity (ROE) rose 463 bps YoY to 24.58%.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit (Q2 FY27)
₹1,912 Crore
55.95%
Operating Profit (Q2 FY27)
₹3,016 Crore
25.67%
Net Interest Income (NII) (Q2 FY27)
₹3,867 Crore
26.41%
Gross NPA % (Sep-26)
1.19%
-64 bps
Global Business (Sep-26)
₹7,53,078 Crore
22.05%
Return on Assets (ROA) (Q2 FY27)
1.53%
33 bps
Return on Equity (ROE) (Q2 FY27)
24.58%
463 bps
Cost to Income Ratio (CIR) (Q2 FY27)
40.78%
-498 bps
🏢 How This Affects the Company
📈
Business Impact
The bank saw substantial growth in Global Business, Global Advances, and CASA Deposits, indicating expanded operations and customer base across various segments including Retail, Agri, and MSME.
💰
Financial Impact
Net Profit, Operating Profit, Net Interest Income, ROA, and ROE all improved, reflecting enhanced profitability and operational efficiency. The reduction in Gross and Net NPA ratios indicates improved asset quality.
⚙️
Operational Impact
The improved Cost to Income Ratio (CIR) by 498 bps YoY to 40.78% suggests better cost management and operational efficiency within the bank.
⚠️
Risk Impact
Reduced Gross NPA ratio to 1.19% and Net NPA ratio to 0.16% indicate a decrease in credit risk, supported by a Slippage ratio reduction to 0.07%.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the improved financial performance, including higher profitability and asset quality, which influences the intrinsic value of their holdings.
🔍
Management Signal
The results indicate management's focus on profitability, asset quality improvement, and overall business expansion, particularly in RAM segments.

For information only. Not investment advice. ForgeUp is not SEBI-registered.

👁 Watch List — track these upcoming events
Q3 FY27 financial results — verify continued growth in Net Profit and NII.
Asset quality trends — monitor further reductions in Gross and Net NPA ratios.
RAM segment growth — observe continued expansion in Retail, Agri, and MSME advances.
LOW RISK The filing indicates improved asset quality, strong profitability, and growth across key business segments.
💡 Investor Takeaway
Indian Overseas Bank's Q2 FY27 Net Profit increased 55.95% YoY to ₹1,912 Crore. Gross NPA ratio reduced to 1.19% from 1.83% YoY, and Global Business grew 22.05% YoY to ₹7,53,078 Crore, highlighting improved financials and operational expansion.
⚖️ Strengths & Concerns

✅ Positives

  • Net Profit surged 55.95% YoY to ₹1,912 Crore, alongside a 26.41% increase in Net Interest Income to ₹3,867 Crore.
  • Asset quality improved significantly, with Gross NPA ratio reduced by 64 bps YoY to 1.19% and Net NPA ratio by 12 bps YoY to 0.16%.
📅 Company Track Record
Indian Overseas Bank's net profit surged 56.1% to Rs. 5,20,803 Lakhs for the full year ended March 31, 2026, with gross NPA improving to 1.42% from 2.14%. This filing shows a continuation of the positive financial trends observed in previous periods.

Based on publicly available historical data. For context only.

❓ Frequently Asked Questions
What was Indian Overseas Bank's Net Profit for Q2 FY27?
Indian Overseas Bank reported a Net Profit of ₹1,912 Crore for the quarter ended September 30, 2026, marking a 55.95% increase YoY.
How did Indian Overseas Bank's asset quality change in Q2 FY27?
The bank's Gross NPA ratio reduced by 64 bps YoY to 1.19%, and the Net NPA ratio decreased by 12 bps YoY to 0.16% in Q2 FY27.
What was the growth in Indian Overseas Bank's Global Business for Q2 FY27?
Indian Overseas Bank's Global Business increased by 22.05% YoY to ₹7,53,078 Crore for the quarter ended September 30, 2026.
What was Indian Overseas Bank's Net Interest Income (NII) in Q2 FY27?
Indian Overseas Bank's Net Interest Income increased by 26.41% YoY to ₹3,867 Crore for the quarter ended September 30, 2026.
What is Indian Overseas Bank's Return on Assets (ROA) for Q2 FY27?
The bank's Return on Assets (ROA) increased by 33 bps YoY to 1.53% for the quarter ended September 30, 2026.

Questions based on this BSE filing only. For information purposes.

⚠️ For Information Only — Not Investment Advice
ForgeUp Filings provides AI-generated summaries of public BSE exchange announcements (equity segment) for informational purposes only. Nothing here constitutes investment advice or a recommendation to buy, sell, or hold any security. ForgeUp is not a SEBI-registered investment advisor. All financial numbers are sourced directly from BSE filings and shown as-is. Past data is historical only. Please consult a qualified financial advisor before making investment decisions. Data sourced from BSE India public disclosures.
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