Indian Overseas Bank (IOB) — Defensive Interval Ratio

Latest as of March 2025: 19 days

Indian Overseas Bank (IOB) has a Defensive Interval Ratio of 19 days as of March 2025. Defensive assets of Rs160.19 Billion (cash Rs-, short-term investments Rs-, receivables Rs160.19 Billion) cover 19 days of daily cash needs of Rs8.55 Billion/day. See IOB working capital efficiency to evaluate short-term liquidity relative to the company's equity base.

Defensive Interval Ratio

19 days
Days of operational coverage

Defensive Assets

Rs160.19 Billion
Cash + ST Investments + Receivables

Daily Cash Need

Rs8.55 Billion
Current Liabilities ÷ 365

Current Liabilities

Rs3.12 Trillion
INR

Indian Overseas Bank Defensive Interval Ratio (2012–2025)

This chart shows how Indian Overseas Bank's Defensive Interval Ratio has evolved across 14 annual periods from 2012 to 2025. As of March 2025, the ratio stands at 19 days, meaning defensive assets of Rs160.19 Billion can fund 19 days of operations without new revenue. See IOB net asset quality index to measure how much of total assets are equity-financed.

Annual Defensive Interval Ratio for Indian Overseas Bank (2012–2025)

The table below presents the year-by-year Defensive Interval Ratio for Indian Overseas Bank from 2012 to 2025, covering 14 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Indian Overseas Bank (IOB) total market value.

Year DIR (days) Defensive Assets (INR) Daily Cash Need Cash ST Investments Change (days)
2025 19 days Rs160.19 Billion Rs8.55 Billion/day Rs- Rs- ▲ +3 days
2024 16 days Rs124.92 Billion Rs7.85 Billion/day Rs- Rs-6.00K ▲ +17620 days
2023 -17605 days Rs-78.35 Billion Rs4.45 Million/day Rs- Rs-160.25 Billion ▼ -17583 days
2022 -22 days Rs-155.97 Billion Rs7.19 Billion/day Rs- Rs-215.96 Billion ▼ -13 days
2021 -9 days Rs-59.11 Billion Rs6.59 Billion/day Rs- Rs-110.23 Billion ▼ -24008 days
2020 23999 days Rs36.91 Billion Rs1.54 Million/day Rs- Rs-17.08 Billion ▲ +52947 days
2019 -28948 days Rs-58.01 Billion Rs2.00 Million/day Rs- Rs-92.64 Billion ▼ -76472 days
2018 47524 days Rs51.15 Billion Rs1.08 Million/day Rs- Rs- ▲ +47513 days
2017 11 days Rs66.87 Billion Rs5.94 Billion/day Rs- Rs- ▼ -18130 days
2016 18141 days Rs67.69 Billion Rs3.73 Million/day Rs- Rs- ▲ +18131 days
2015 10 days Rs65.39 Billion Rs6.76 Billion/day Rs- Rs- ▼ -3 days
2014 13 days Rs79.49 Billion Rs6.26 Billion/day Rs- Rs- ▼ -2 days
2013 15 days Rs84.10 Billion Rs5.55 Billion/day Rs- Rs- ▲ +0 days
2012 15 days Rs72.46 Billion Rs4.90 Billion/day Rs- Rs- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)