IOB outstanding debt stood at Rs 3,165 crore across four securities as of September 30, 2026, according to Indian Overseas Bank’s half-yearly statement submitted in a BSE filing on October 3, 2026. The total is calculated from the individual outstanding amounts disclosed by the bank.

The statement covers debt securities issued by Indian Overseas Bank for the half year ended September 30, 2026. For each of the four securities, the reported outstanding amount equals the original amount issued. All four carry annual coupon payments, with disclosed coupon rates ranging from 7.80% to 9.0802%.

The filing lists issuance dates, maturity dates, coupon rates, payment frequency and embedded options, alongside the issued and outstanding amounts. The securities have stated maturities between September 2029 and January 2036.

Outstanding securities and coupon terms

  • Rs 500 crore: ISIN INE565A08035 was issued on September 24, 2019, and matures on September 24, 2029. It carries a 9.0802% annual coupon, with no embedded option listed.
  • Rs 665 crore: ISIN INE565A08043 was issued on March 31, 2022, with a stated maturity of March 31, 2032. The annual coupon is 8.60%, and a call option is available at the end of the fifth year.
  • Rs 1,000 crore: ISIN INE565A08050 was issued on March 24, 2023, with a stated maturity of March 24, 2033. It carries a 9.00% annual coupon and a call option at the end of the fifth year.
  • Rs 1,000 crore: ISIN INE565A08068 was issued on January 23, 2026, with a stated maturity of January 23, 2036. It carries a 7.80% annual coupon and a call option at the end of the fifth year.

Call options subject to RBI approval

The bank specified that the five-year call options require prior RBI approval. These options apply to the securities with stated maturities in 2032, 2033 and 2036.

The submission cites SEBI’s master circular dated October 15, 2025. Addressed to BSE and NSE, it was signed by Raghuram Mallela, Deputy General Manager, Company Secretary and Compliance Officer. The bank’s exchange identifiers are BSE scrip code 532388 and NSE symbol IOB.