Indian Overseas Bank Q1 Results FY27: Net Profit Rises 49.25% to Rs 1,659 Cr as Revenue Grows 18.82%

July 21, 2026
Posted by: Kunal Singla
Category: News

IOB Q1 FY27: PAT Rs 1,659 Cr (+49.25% YoY), total income Rs 8,777 Cr (+18.82%). Stock rose 3.40% to Rs 35.00 on 20 July 2026.

IOB Q1 results FY27, announced on Monday, 20 July 2026, show a consolidated net profit of Rs 1,659 Cr for the quarter ended 30 June 2026, up 49.25% from Rs 1,111 Cr in the year ago quarter.

Shares of Indian Overseas Bank rose 3.40% to Rs 35.00 on the results day. The company is a Chennai headquartered public sector bank.

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Table of Contents

IOB Q1 Results FY27 Key Takeaways

Here are the most important numbers from the June 2026 quarter at a glance.

Net Profit (PAT): Rs 1,659 Cr in Q1 FY27 versus Rs 1,111 Cr in Q1 FY26, a change of +49.25% year on year.
Total income: Rs 8,777 Cr in Q1 FY27 versus Rs 7,387 Cr in Q1 FY26, a change of +18.82%.
Gross Profit: Rs 2,693 Cr in Q1 FY27 versus Rs 2,358 Cr in Q1 FY26, a change of +14.18%.
Results announced on Monday, 20 July 2026 for the quarter ended 30 June 2026 on a consolidated basis.
Indian Overseas Bank share price rose 3.40% to Rs 35.00 on the results day.

IOB Q1 Results FY27 Financial Highlights

The table below summarises the consolidated numbers reported in the IOB Q1 results FY27 against the year ago quarter.

Metric	Q1 FY27	Q1 FY26	YoY Change
Total Income	Rs 8,777 Cr	Rs 7,387 Cr	+18.82%
Gross Profit	Rs 2,693 Cr	Rs 2,358 Cr	+14.18%
Net Profit (PAT)	Rs 1,659 Cr	Rs 1,111 Cr	+49.25%

All figures are on a consolidated basis as reported for the quarter ended 30 June 2026.

IOB Q1 Results FY27 Performance Analysis

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Profit growth is the headline of the IOB Q1 results FY27. Total income grew 18.82% to Rs 8,777 Cr from Rs 7,387 Cr. Gross profit rose 14.18% to Rs 2,693 Cr from Rs 2,358 Cr.

The broad based improvement across total income, gross profit and net profit in the IOB Q1 results FY27 suggests the quarter’s growth is operational rather than driven by one off items.

For a bank, the revenue line in the IOB Q1 results FY27 refers to total income, spanning interest earned and other income, so the profit trend alongside provisioning behaviour is the more meaningful signal than the topline alone.

IOB Q1 Results FY27: Key Business Factors

1. Topline Momentum

Total income grew 18.82% to Rs 8,777 Cr from Rs 7,387 Cr. This sets the base against which the rest of the P&L in the IOB Q1 results FY27 should be read.

2. Operating Performance

Gross profit rose 14.18% to Rs 2,693 Cr from Rs 2,358 Cr. The gross profit trend is the cleanest read on operating health in the quarter.

3. Bottom Line Delivery

The net result of Rs 1,659 Cr captures the combined effect of operations, other income, finance costs and tax for the quarter.

Dividend Details

Any dividend announcement accompanying the June 2026 quarter results will be reflected in the company’s official NSE and BSE filings. Investors should rely on those filings for dividend confirmation rather than secondary sources.

IOB Q1 Results FY27 Outlook for the Full Year

Looking past the IOB Q1 results FY27, the FY27 trajectory depends on demand conditions in the company’s core markets, cost trends, and execution against the base this quarter has set.

Indian Overseas Bank Stock Performance After the Q1 Results

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Indian Overseas Bank share price rose 3.40% to Rs 35.00 on the results day, as the market weighed the quarter’s numbers against expectations.

Investors can compare the trend of the counter with the Bank Nifty index to judge how the stock is placed relative to the broader market after the June quarter results.

Key Risks

Investors going through the fine print of the IOB Q1 results FY27 should also weigh the following risks.

1. Sustaining the Growth Rate

The growth reported in the IOB Q1 results FY27 sets a higher base for coming quarters, and any moderation could disappoint a market that extrapolates.

2. Margin Durability

Whether the quarter’s operating performance holds depends on input costs, pricing power and mix, all of which can shift quickly.

3. Execution and External Risks

Demand cycles, regulatory changes and sector specific shocks remain outside management control and can reset expectations.

Conclusion

IOB Q1 results FY27 show consolidated net profit of Rs 1,659 Cr for the quarter ended 30 June 2026, up 49.25% from Rs 1,111 Cr in the year ago quarter. Total income grew 18.82% to Rs 8,777 Cr from Rs 7,387 Cr. The September quarter will show whether this quarter’s trend extends. Investors should verify the filings on NSE and BSE and consult a SEBI-registered advisor before acting on the numbers.

Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).

Frequently Asked Questions on IOB Q1 Results FY27

When were the IOB Q1 results FY27 announced?

Ans. The IOB Q1 results FY27 were announced on Monday, 20 July 2026, for the quarter ended 30 June 2026, on a consolidated basis.

What is the PAT in the IOB Q1 results FY27?

Ans. The consolidated PAT in the IOB Q1 results FY27 stood at Rs 1,659 Cr, a change of +49.25% from Rs 1,111 Cr in Q1 FY26.

What was the total income in the IOB Q1 results FY27?

Ans. The total income in the IOB Q1 results FY27 stood at Rs 8,777 Cr, a change of +18.82% from Rs 7,387 Cr in Q1 FY26.

What was the gross profit in the IOB Q1 results FY27?

Ans. Gross profit for the June 2026 quarter stood at Rs 2,693 Cr, compared with Rs 2,358 Cr in Q1 FY26, a change of +14.18% year on year.

Are the IOB Q1 results FY27 standalone or consolidated?

Ans. The figures discussed here are on a consolidated basis, as reported for the quarter ended 30 June 2026.

How did the share price react after the IOB Q1 results FY27?

Ans. Indian Overseas Bank share price rose 3.40% to Rs 35.00 on the results day.

Is the stock a good buy after the IOB Q1 results FY27?

Ans. The IOB Q1 results FY27 are one input among many. Valuation, sector conditions and risk appetite matter as much as a single quarter. This article is for educational purposes only. Consult a SEBI-registered advisor before investing.

Where can I verify the IOB Q1 results FY27?

Ans. The official filings for the IOB Q1 results FY27 are available on the NSE and BSE websites, and the stock can be tracked on the Univest app.

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Author: Kunal Singla

Kunal Singla is the Associate Director - Research at Univest, leading quantitative equity research, intraday trading setups, and derivatives strategy. With 4+ years of experience in Indian equity markets, he combines rigorous quantitative methods with classical technical analysis to build high-conviction research frameworks for retail and advisory clients. He holds an MSc from the Indian Institute of Technology (IIT) Delhi — one of India's most selective institutions — and has completed the Certificate in Quantitative Finance (CQF), a globally recognised programme covering derivatives pricing, risk modelling, machine learning for finance, and advanced portfolio theory. This combination places him in a small group of Indian analysts with both deep academic training in quantitative methods and SEBI-recognised research credentials. Kunal holds seven SEBI-recognised NISM certifications spanning research, derivatives, portfolio management, and securities operations: Series-XV (Research Analyst), Series-XXI-A (Portfolio Managers), Series-XVI (Commodity Derivatives), Series-VIII (Equity Derivatives), Series-VII (SORM), Series-V-A (Mutual Fund Distributors), and Series-I (Currency Derivatives). At Univest — India's SEBI-registered research and advisory platform — Kunal leads research inputs for Pro Lite, Pro Super, Pro Gold, and Pro Commodity advisory services, alongside publishing intraday stock picks on Univest Blogs.