RESULTS AT A GLANCE
Quarter 30thSeptember 2025vis-à-vis Quarter 30thSeptember, 2024
- Total Business grew by 20% to ₹5,63,909 crore.
- Total Deposits increased by13% to ₹ 3,09,791 crore.
- Gross Advances increased by 83% to ₹ 2,54,118 crore.
- Credit – Deposit (CD) Ratio improved to 03%.
- Gross NPA declined to 72% as on 30.09.2025.
- Net NPA declined to18% as on 30.09.2025.
- Provision Coverage Ratio stood at34%.
- Net Profit increased by09% to ₹1,633 crore.
Ø Operating profit grew by 16.91% to ₹ 2,574 crore.
Ø Net Interest Income increased by 15.71% to ₹ 3,248 crore.
- Net Interest Margin (NIM) stood at85%.
- Cost to Income Ratio improved to10%.
- Return on Assets (ROA) improved to 82%.
- Return on Equity (ROE) stood at58%.
- CRAR improved to13% of which Tier I is 14.96%.
Profitability (Quarter Ended September30th,2025)
- Net Profit increased by09% to ₹1,633 crore in Q2FY25on Y-o-Y basis as against ₹1,327 crorefor Q2FY24.
- Operating Profit has shown a growth of91% on Y-o-Y basis to ₹ 2,574 crore for Q2FY25 as against ₹2,202crore for Q2FY24.
- Net Interest Income (NII) grew by71%on Y-o-Y basis to ₹3,248 crore in Q2FY25 as against
₹2,807 crorefor Q2FY24.
- Net Revenues (Net Interest income plus other income) for Q2FY25improved by73% to₹ 4,093 crore for Q2FY25 as against ₹ 3,599 crore for Q2FY24.
- Cost to Income Ratio improved to10% for Q2FY25 as against 38.81% forQ2FY24.
- Return on Assets (ROA) improved to82% for Q2FY25 against 1.74% for Q2FY24 and1.80% for Q1FY25.
- Return on Equity (ROE) stood at58% for Q2FY25 against 26.01% forQ2FY24.
Profitability (Half Year EndedSeptember 30th,2025)
- Net Profit increased by ₹ 606crore to ₹ 3226 crore on Y-o-Y basis against₹ 2,620 crore for the half year ended 30.09.2024.
- Operating Profit has shown a growth of 41% to ₹5,144 croreon Y-o-Y basis against ₹ 4,496 crore for thehalf year ended 30.09.2024.
- Net Interest Income (NII) grew by 65% on Y-o-Y basis to ₹ 6,539 crore for the half year ended 30.09.2025 as against ₹ 5,606crore for the half year ended 30.09.2024.
- Fee based income increased by46% on Y-o-Y basis to ₹836 crore for the half year ended 30.09.2025 as against 808 crore for the half year ended 30.09.2024.
- Cost to Income Ratio improved34% for the half year ended 30.09.2025 as against 38.34% for the half year ended 30.09.2024.
- Return on Assets (ROA) improved to 81% for the half year ended 30.09.2025as against 1.73% for the half year ended 30.09.2024.
- Return on Equity (ROE) also stood at30% for the half year ended 30.09.2025 against 25.68% for the half year ended 30.09.2024.
Assets & Liabilities (As on September 30th, 2025)
- Total Business grew by 20%on Y-o-Y basis to ₹5,63,909 crore.
- Total Deposits increased by 13%on Y-o-Y basisto₹3,09,791 crore.
- Gross Advances grew by83%on Y-o-Y basis to ₹2,54,118 crore.
- RAM (Retail, Agri.&MSME) Business grewby 94%on Y-o-Y basis.
- Retail advances, has grownby 45 %. On Y-Oy basis.
Capital Adequacy:(As on September 30th, 2025)
- Total Basel III Capital adequacy ratio improved to18.13% with Common Equity Tier 1(CET1) ratio of 14.05%.
Asset quality: (As on September 30th, 2025)
- Gross NPA declinedto 72% as on 30.09.2025 against1.84% as on 30.09.2024. The same was 1.74% as on 30.06.2025.
- Net NPA declined to 18% as on 30.09.2025against0.20% as on 30.09.2024. The same was 0.18% as on 30.06.2025.
- Provision Coverage ratio stood at34% as on 30.09.2025as against 98.36%as on 30.09.2024. The same was 98.36 % as on 30.06.2025.
- Bank holds cumulative Covid-19 provision of ₹ 1200 crore as on 30th September 2025.
A presentation for investor is being separately placed on the Bank‘s website www.bankofmaharashtra.in
| Top Line Business | (₹ in crore) | ||
| Particulars | As on | Growth (%) | |
| Sep 24 | Sep 25 | Y-o-Y | |
| Total Business | 4,93,793 | 5,63,909 | 14.20 |
| Deposits | 2,76,289 | 3,09,791 | 12.13 |
| of which CASA | 1,36,174 | 1,55,979 | 14.54 |
| CASA Share (%) to Total Deposit | 49.29 | 50.35 | |
| Gross Advances | 2,17,504 | 2,54,118 | 16.83 |
| Profitability | (₹ in crore) | |||
| Particulars | Quarter Ended | Change (%) | ||
| Sep 24 | Jun 25 | Sep 25 | Y-o-Y | |
| Total Income | 6,809 | 7,879 | 7,974 | 17.10 |
| Total Expenses | 4,607 | 5,309 | 5,399 | 17.19 |
| Operating Profit | 2,202 | 2,570 | 2,574 | 16.91 |
| Provisions & Cont. other than taxes | 822 | 867 | 756 | (8.06) |
| Profit before tax | 1,380 | 1,703 | 1,818 | 31.78 |
| Tax Expense | 53 | 110 | 185 | 248.98 |
| Net Profit | 1,327 | 1,593 | 1,633 | 23.09 |
| Balance Sheet | (₹ in crore) | |
| LIABILITIES | As on | |
| Sep 24 | Sep 25 | |
| Capital | 7,081 | 7,692 |
| Reserves and Surplus | 15,605 | 23,915 |
| Deposits | 2,76,289 | 3,09,791 |
| Borrowings | 10,482 | 24,924 |
| Other Liabilities & Provisions | 7,518 | 7,407 |
| TOTAL | 3,16,975 | 3,73,729 |
| ASSETS | ||
| Cash and Balances with Reserve Bank of India | 16,574 | 17,276 |
| Balances with Banks and Money at Call & Short Notice | 22 | 662 |
| Investments | 77,816 | 96,422 |
| Advances (Net) | 2,13,927 | 2,50,188 |
| Fixed Assets | 2,379 | 2,904 |
| Other Assets | 6,258 | 6,276 |
| TOTAL | 3,16,975 | 3,73,729 |