Bank of Maharashtra Reports Robust Growth in Q2 and Half Year Ended September 2025

New Delhi: The Bank of Maharashtra (BoM) announced its strong financial results for the quarter (Q2FY25) and half year ended September 30, 2025, showcasing significant growth in key metrics, including total business, net profit, and asset quality improvement.

Quarterly Performance Highlights (Q2FY25 vs. Q2FY24)

The bank demonstrated substantial year-on-year (Y-o-Y) growth across profitability and operational parameters for the quarter ended September 30, 2025.

Profitability and Income

Net Profit saw a rise of 23.09% to Rs 1,633 crore in Q2FY25, up from Rs 1,327 crore in Q2FY24.

Operating Profit grew by 16.91% to Rs 2,574 crore.

Net Interest Income (NII) increased by 15.71% Y-o-Y to Rs 3,248 crore.

Net Revenues (NII plus other income) improved by 13.73% to Rs 4,093 crore.

Net Interest Margin (NIM) stood at 3.85%.

Business and Efficiency 

Total Business grew by 14.20% to Rs 5,63,909 crore.

Total Deposits increased by 12.13% to Rs 3,09,791 crore.

Gross Advances grew by 16.83% to Rs 2,54,118 crore.

The Credit-Deposit (CD) Ratio improved to 82.03%.

CASA Share to Total Deposit improved to 50.35%.

Cost to Income Ratio improved to 37.10%.

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Asset Quality and Capital 

Gross NPA declined to 1.72% as on September 30, 2025, compared to 1.84% a year ago.

Net NPA declined to 0.18% from 0.20% as on September 30, 2024.

Provision Coverage Ratio (PCR) was high at 98.34%.

Capital Adequacy Ratio (CRAR) improved to 18.13%, with Tier I capital at 14.96% and Common Equity Tier 1 (CET1) at 14.05%.

Return on Assets (ROA) improved to 1.82%.

Return on Equity (ROE) stood at 22.58%.

Half Year Performance (H1FY26 vs. H1FY25)

The half-yearly results also reflected sustained momentum in the bank's performance.

Net Profit for the half year increased by Rs 606 crore to Rs 3,226 crore.

Operating Profit grew by 14.41% to Rs 5,144 crore.

Net Interest Income (NII) grew by 16.65% to Rs 6,539 crore.

Fee-based income saw a rise of 3.46% to Rs 836 crore.

Return on Assets (ROA) improved to 1.81% for the half year.

Assets and Liabilities Overview

As of September 30, 2025, the bank's assets and liabilities show a robust position.

RAM (Retail, Agri. & MSME) Business demonstrated significant growth of 16.94% Y-o-Y, with Retail advances growing by 37.45%.

The bank holds a cumulative Covid-19 provision of Rs 1,200 crore as on September 30, 2025.

The Balance Sheet Total stood at Rs 3,73,729 crore as on Sep 25, up from Rs 3,16,975 crore as on Sep 24.

The bank's impressive results underscore its healthy business growth, improved efficiency, and continued strengthening of its balance sheet and asset quality. The disclosure was made pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

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