CreditBrief

What Indian Overseas Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹3.46 lakh crore (+11% since March).

Indian Overseas BankPublic sector banks

₹3.10lakh croreglobal gross advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers14thof 33 banks on CreditBrief, March 2026
Biggest segment35.4%Agri, latest split (30 Sep 2026)
Share of the combined book1.5%of all banks on CreditBrief

Chapter 01 · The loan book

₹3.10 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Indian Overseas Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from agri down, and you get ₹3.10 lakh crore. By 30 Sep 2026 it was ₹3.46 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

66%People and households₹2.28 lakh croreRetailAgri
34%Businesses₹1.18 lakh croreMSMECorporate/others

Drilling down: what it lends against · 30 Sep 2026

  • Agri₹1.22 lakh crore35.4%
  • Retail₹1.05 lakh crore30.5%
  • Corporate/others₹62,795 crore18.2%
  • MSME₹55,186 crore16%

The filing calls this "Global Advances". It is gross, since net advances are lower and the bad loan ratio is worked out on this figure. Domestic advances are ₹3,23,228 crore, so "Corporate/others" includes overseas loans.

Sources: Indian Overseas Bank Performance Analysis Q4 FY26, PDF page 17 ↗ for March 2026; Indian Overseas Bank Investor Presentation Q2 FY27, PDF page 14 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 19% a year since March 2022.

From ₹1.56 lakh crore on 31 March 2022 to ₹3.10 lakh crore on 31 March 2026, and ₹3.46 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights41 figures from 9 filings · each checked against its pageHow it works
Indian Overseas Bank · loan book · 31 March 2026₹3.10lakh crore+24% in FY2025-26₹3.46 lakh crore by 30 Sep 2026
  1. 0119%a year since 2022Grew 19% a year from March 2022 to March 2026, faster than 21 of the 29 other banks with like-for-like figures for those years.
  2. 0224%in FY2025-26Growth picked up to 24% in FY2025-26, from 14% the year before.
  3. 0316thamong peersMoved up from 16th to 14th biggest of these 33 banks between March 2022 and March 2026.
Deposits₹3.68 lakh crore+18% · in FY2025-26
Loans to deposits84.3%+4.2 pts · in FY2025-26
CASA ratio41.0%-2.7 pts · in FY2025-26
Retail, agriculture and MSME loans₹2.45 lakh crore+35% · in FY2025-26
Corporate and wholesale loans₹49,390 crore-4.8% · in FY2025-26
Branches3,494+4.8% · in FY2025-26
Mobile app users13 million+27% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · global gross advances1,55,8011,89,0092,19,0182,50,0193,10,4233,45,650
Retail, agriculture and MSME loans₹ crore1,21,2441,45,7021,81,6192,45,0152,82,855
Corporate and wholesale loans₹ crore38,17052,42554,99551,88249,39040,373
Deposits₹ crore2,62,1592,60,8832,85,9053,11,9393,68,1914,07,428
CASA ratio%43.4443.7443.9043.6540.9940.71
BranchesNumber3,2143,2203,2363,3353,4943,542
Mobile app usersMillion5.26.48.210.21314.6

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Indian Overseas Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

Indian Overseas Bank, Q2 FY2026-27: loan book ₹3.46 lakh crore, +11% since March

  • ₹3.46 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Agri, 35% of the book
  • Every figure links to page 14 of its filing

Chapter 03 · Among its peers

14th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 1.5% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 14Indian Overseas Bank₹3.10 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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