New Delhi: Bank of Maharashtra (BoM) has reported a 23.09% year-on-year increase in net profit for the quarter ended September 30, 2025 (Q2FY25), reaching ₹1,633 crore compared to ₹1,327 crore in Q2FY24. The bank’s financial performance for the quarter and the half-year reflects sustained growth in profitability, improved asset quality, and operational efficiency.
Q2FY25: Key Performance Highlights
BoM showcased impressive growth across key financial parameters:
Profitability and Income
- Net Profit: ₹1,633 crore, up 23.09% YoY
- Operating Profit: ₹2,574 crore, up 16.91%
- Net Interest Income (NII): ₹3,248 crore, up 15.71%
- Net Revenues (NII + Other Income): ₹4,093 crore, up 13.73%
- Net Interest Margin (NIM): 3.85%
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Business and Efficiency
- Total Business: ₹5,63,909 crore, up 14.20%
- Total Deposits: ₹3,09,791 crore, up 12.13%
- Gross Advances: ₹2,54,118 crore, up 16.83%
- Credit-Deposit Ratio: Improved to 82.03%
- CASA Ratio: Rose to 50.35%
- Cost-to-Income Ratio: Improved to 37.10%
Asset Quality and Capital Position
- Gross NPA: Down to 1.72% from 1.84%
- Net NPA: Improved to 0.18% from 0.20%
- Provision Coverage Ratio (PCR): 98.34%
- Capital Adequacy Ratio (CRAR): 18.13%
- Tier I Capital: 14.96%
- CET1 Capital: 14.05%
- Tier I Capital: 14.96%
- Return on Assets (ROA): 1.82%
- Return on Equity (ROE): 22.58%
Half-Year Performance (H1FY26 vs H1FY25)
The bank also demonstrated consistent performance for the half-year ended September 2025:
- Net Profit: ₹3,226 crore, up ₹606 crore
- Operating Profit: ₹5,144 crore, up 14.41%
- Net Interest Income: ₹6,539 crore, up 16.65%
- Fee-Based Income: ₹836 crore, up 3.46%
- ROA (Half-Year): 1.81%
Balance Sheet and RAM Segment Growth
BoM’s balance sheet remains strong, with total assets rising to ₹3,73,729 crore as of September 30, 2025, compared to ₹3,16,975 crore a year ago. The RAM (Retail, Agriculture, and MSME) segment posted YoY growth of 16.94%, with retail advances soaring by 37.45%.
The bank continues to maintain a prudent approach with a cumulative Covid-19 provision of ₹1,200 crore still in place.
About Bank of Maharashtra
Bank of Maharashtra is a leading public sector bank headquartered in Pune, known for its strong national presence and customer-centric approach. Established in 1935, the bank has played a pivotal role in promoting financial inclusion, supporting small businesses, and empowering communities through its extensive branch network across India. BoM’s continued focus on retail, agriculture, and MSME lending, coupled with digital transformation and robust governance, has made it one of the fastest-growing PSBs in the country. With its consistent performance, the bank remains committed to building a resilient, efficient, and future-ready financial institution.
