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F-14/15, Orbit Mall, Civil Lines, Jaipur-302006 support@thetaxheaven.comIndian Overseas Bank (IOB), a public sector bank headquartered in Chennai, has been an integral part of India’s banking sector for decades. Known for its strong branch network and customer base, IOB has shown resilience over the years despite challenges in the public banking sector. With India’s growing focus on financial inclusion and digital banking, the bank’s stock has been drawing investor interest.
In this article, we’ll explore Indian Overseas Bank’s current share performance, shareholding pattern, and its share price targets from 2025 to 2030.
| Detail | Value |
|---|---|
| Open | ₹40.00 |
| Previous Close | ₹40.00 |
| Day's High | ₹40.28 |
| Day's Low | ₹39.40 |
| 52-Week High | ₹61.80 |
| 52-Week Low | ₹33.50 |
| Market Capitalization | ₹76,005 Cr |
| Volume | 8,317,084 |
| Value (Lacs) | ₹3,282.75 |
| VWAP | ₹39.65 |
| Beta (Volatility) | 1.28 |
| Face Value | ₹10 |
| Book Value per Share | ₹14.99 |
| Dividend Yield | NA |
| All Time High | ₹227.45 |
| All Time Low | ₹6.05 |
| UC Limit | ₹48.00 |
| LC Limit | ₹32.00 |
| 20D Avg Volume | 5,009,375 |
| 20D Avg Delivery (%) | 47.15 |
Founded in 1937, Indian Overseas Bank is a government-owned entity providing banking and financial services across India and overseas. The bank caters to both retail and corporate clients, offering loans, deposits, credit cards, and digital banking solutions.
With India’s economic growth and government reforms in the banking sector, IOB has seen gradual improvement in asset quality, profitability, and digital adoption. Its large customer base and strong government support continue to boost investor confidence.
| Investor Type | Holding (%) |
|---|---|
| Promoters (Government of India) | 94.61% |
| Retail & Others | 2.94% |
| Other Domestic Institutions | 2.25% |
| Mutual Funds | 0.12% |
| Foreign Institutions | 0.08% |
The high promoter holding of 94.61% shows strong government backing, though the low retail and institutional participation indicates limited free float.
| Year | Minimum Target (₹) | Maximum Target (₹) |
|---|---|---|
| 2025 | 38 | 45 |
| 2026 | 46 | 55 |
| 2027 | 56 | 65 |
| 2028 | 66 | 75 |
| 2029 | 76 | 85 |
| 2030 | 86 | 100 |
In 2025, IOB is expected to remain range-bound but stable, supported by government reforms and digital banking initiatives.
Why?
Rising loan disbursement in retail and MSME segments.
Stable asset quality compared to past years.
Investment Advice: Suitable for cautious investors; accumulate during dips.
By 2026, improved earnings and asset recovery could push the stock upward.
Why?
Recovery of non-performing assets.
Increasing net profit margins.
Investment Advice: Hold for medium-term growth; focus on quarterly results.
In 2027, strong digital adoption and better cost control may strengthen valuations.
Why?
Digital banking expansion.
Improved CASA ratio.
Investment Advice: Good for SIP investors looking for long-term compounding.
By 2028, the bank’s fundamentals may show consistent improvement.
Why?
Government support and recapitalization measures.
Steady loan book growth.
Investment Advice: Continue holding; attractive for long-term portfolios.
In 2029, investor confidence may rise as IOB becomes stronger in retail banking.
Why?
Stronger balance sheet.
Increased credit demand in housing and SME sector.
Investment Advice: Good for medium- to long-term investors.
By 2030, IOB may reach the three-digit mark, provided economic growth remains steady.
Why?
Robust government backing.
Strong loan growth and higher net profit.
Investment Advice: Attractive long-term pick; suitable for wealth creation.
Yes, Indian Overseas Bank is a reliable long-term investment option, especially for investors looking for stability in the public banking sector.
Strong government backing (94.61% promoter holding).
Improving financial performance.
Expanding digital banking services.
High government ownership means limited free float.
Vulnerable to economic downturns and NPAs.
Competition from private sector banks.
Always consult a SEBI-registered advisor before investing.
Indian Overseas Bank is a trusted name in India’s public sector banking space. With its strong government backing, growing digital adoption, and consistent recovery in financial performance, the stock looks promising for long-term investors.
At the current price of around ₹40, analysts believe IOB could reach ₹100 by 2030. For investors seeking steady growth and exposure to the public banking sector, Indian Overseas Bank can be a valuable addition to the portfolio.
1. What is the current share price of Indian Overseas Bank?
The current share price is around ₹40 (as of August 29, 2025).
2. What is the share price target for Indian Overseas Bank in 2025?
The target range for 2025 is ₹38 – ₹45.
3. What is the long-term target of IOB?
By 2030, IOB could reach ₹100, depending on performance and economic growth.
4. Is Indian Overseas Bank a safe investment?
Yes, it is considered safe due to strong government backing, though returns may be moderate compared to private banks.
5. What is the shareholding pattern of IOB?
Promoters hold 94.61%, while retail and institutional investors hold the remaining.
6. What is IOB’s all-time high and low?
All-time high: ₹227.45, all-time low: ₹6.05.
7. Should I buy IOB stock now?
It depends on your risk appetite. Conservative investors may find it a stable option for long-term holding.
Disclaimer: This article is for educational purposes only. Please consult a financial advisor before investing in the stock market.
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