Gross NPA improved to 1.74 %
FinTech BizNews Service
Mumbai, July 16, 2025: Bank of Maharashtra announced on Tuesday its financial results for the quarter ended 30th JUNE, 2025.
Results at a Glance Quarter ended 30th June, 2025 vis-a-vis Quarter ended 30th June, 2024
➢ Total Business grew by 14.63 % to Rs546,143 crore. ➢ Total Deposits up by 14.07 % to Rs305,046 crore.
➢ CASA improved to 50.07% of Total Deposit.
➢ Gross Advances increased by 15.34 % to Rs241,097 crore.
➢ CD Ratio increased to 79.04%
➢ Gross NPA improved to 1.74 % as on 30.06.2025.
➢ Net NPA improved to 0.18 % as on 30.06.2025. ➢ Provision Coverage Ratio stood at 98.36 %.
➢ Net Profit up by 23.14 % to Rs1,593 crore. ➢ Operating profit increased by 12.01 % to Rs2,570 crore. ➢ Net Interest Income increased by 17.60 % to Rs3,292 crore. ➢ Net Interest Margin (NIM) stood at 3.95 % as on 30.06.2025. ➢ Cost to Income Ratio improved to 37.57 %. ➢ Return on Assets (ROA) improved to 1.80 %. ➢ Return on Equity (RoE) stood at 23.00 %. ➢ CRAR improved to 20.06 % of which Tier I is 16.63 %.
Profitability
➢ Net Profit up by 23.14 % to Rs1,593 crore in Q1FY26 on Y-o-Y basis as against Rs1,293 crore for Q1FY25.
➢ Operating Profit improved to Rs2,570 crore for Q1FY26 as against Rs2,294 crore for Q1FY25.
➢ Net Interest Income (NII) grew by 17.60 % on Y-o-Y basis to Rs3,292 crore in Q1FY26 as against Rs2,799 crore for Q1FY25.
➢ Fee based income increased by 8.49 % on Y-o-Y basis to Rs399 crore for Q1FY26.
➢ Cost to Income Ratio improved to 37.57 % for Q1FY26 as against 37.87% for Q1FY25.
➢ Return on Assets (ROA) improved to 1.80 % for Q1FY26 as against 1.72 % for Q1FY25. ➢ Return on Equity (ROE) stood at 23.00 % for Q1FY26 against 27.62 % for Q1FY25.
Advances
➢ Gross Advances grew by 15.34 % on Y-o-Y basis to Rs241,097 crore in Q1FY26 as against Rs209,031crore in Q1FY25.
➢ RAM (Retail, Agri. & MSME) Business improved to 62.10% of Gross Advances. Retail advances grew by 35.37 % to Rs71,966 crore on Y-o-Y basis. MSME advances grew by 5.65 % on Y-o-Y basis to Rs44,967 crore.
Capital Adequacy:
➢ Total Basel III Capital adequacy ratio improved to 20.06% with Common Equity Tier1 ratio of 15.62 % for Q1FY26.
Asset quality:
➢ Gross NPA improved to 1.74 % as on 30.06.2025 against 1.85% as on 30.06.2024. The same was 1.74% as on 31.03.2025.
➢ Net NPA improved to 0.18 % as on 30.06.2025 against 0.20 % as on 30.06.2024. The same was 0.18% as on 31.03.2025.
➢ Provision Coverage ratio stood at 98.36 % as on 30.06.2025 as against 98.36% as on 30.06.2024. The same was 98.26 % as on 31.03.2025.
