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CARE Ratings upgraded Indian Overseas Bank's (IOB) ₹2,665 Cr Tier-II Bonds to 'CARE AA+/Stable' from 'AA', citing improved financials, asset quality, and profitability. Concurrently, its ₹20,000 Cr Certificates of Deposit were reaffirmed at 'CARE A1+'. The outlook remains Stable, reflecting sustained performance.