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CRISIL Ratings has upgraded Indian Overseas Bank's Tier II Bonds to 'Crisil AA+/Stable' and Fixed Deposits to 'Crisil AAA/Stable' (with notice of withdrawal). This upgrade is primarily due to sustained improvement in the bank's earnings and asset quality. Gross NPAs improved to 1.4% (Mar 2026), with FY26 net profit reaching Rs 5,208 Cr, demonstrating strong operational performance.