WEBSITE BSE:532525 NSE: BANK MAHA Inc. Year: 1935 Industry: Bank - Public
Last updated: 15:59
Bank of Maharashtra is engaged in offering banking services. The Bank's segments are Retail Banking, Treasury, Corporate/Wholesale Banking, and Other banking operations. The Treasury segment consists of investment, balances with banks out of India, interest accrued on investments and associated income. The Corporate/Wholesale Banking Segment consists of all advances to trusts, partnership corporations, businesses and statutory bodies. The Retail Banking Segment consists of exposure to the individual or to a small commercial enterprise wherein t...Read More
Bank of Maharashtra is engaged in offering banking services. The Bank's segments are Retail Banking, Treasury, Corporate/Wholesale Banking, and Other banking operations. The Treasury segment consists of investment, balances with banks out of India, interest accrued on investments and associated income. The Corporate/Wholesale Banking Segment consists of all advances to trusts, partnership corporations, businesses and statutory bodies. The Retail Banking Segment consists of exposure to the individual or to a small commercial enterprise wherein total average annual turnover less than Indian Rupee 50 crores; no combination exposure to one counter party exceeds 0.2% of the overall retail portfolio of the Bank, and the most aggregated retail exposure to 1 counterpart is up to Indian Rupee five crores. Other Banking Operations segment consists of all different banking transactions. Its products and services include e-fee taxes, credit card, door step banking and new pension scheme, among others. ...Read Less
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Market Cap ₹51564 Cr.
Stock P/E 9.3
P/B 1.6
Current Price ₹67
Book Value ₹ 41
Face Value 10
52W High ₹67.8
Dividend Yield 2.24%
52W Low ₹ 38.1
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 5068 | 5172 | 5467 | 5875 | 6017 | 6325 | 6731 | 7054 | 7128 | 7344 |
| Other Income | 668 | 680 | 1022 | 894 | 792 | 788 | 981 | 825 | 846 | 933 |
| Total Income | 5736 | 5852 | 6488 | 6769 | 6809 | 7113 | 7712 | 7879 | 7974 | 8277 |
| Interest Expense | 2636 | 2705 | 2882 | 3075 | 3210 | 3381 | 3614 | 3762 | 3880 | 3922 |
| Operating Expenditure | 1179 | 1134 | 1396 | 1399 | 1397 | 1428 | 1578 | 1547 | 1519 | 1620 |
| Provisions and contingencies | 985 | 943 | 942 | 951 | 822 | 841 | 983 | 867 | 756 | 728 |
| Operating Profit | 936 | 1070 | 1268 | 1344 | 1380 | 1463 | 1537 | 1703 | 1819 | 2008 |
| Profit Before Tax | 936 | 1070 | 1268 | 1344 | 1380 | 1463 | 1537 | 1703 | 1819 | 2008 |
| Provision for Tax | 16 | 34 | 50 | 50 | 53 | 56 | 44 | 110 | 185 | 228 |
| Profit After Tax | 920 | 1036 | 1218 | 1294 | 1327 | 1407 | 1493 | 1593 | 1634 | 1780 |
| Adjustments | 0 | 3 | 12 | 1 | 6 | 5 | 9 | -89 | 35 | 19 |
| Profit After Adjustments | 920 | 1038 | 1230 | 1295 | 1333 | 1412 | 1502 | 1504 | 1669 | 1799 |
| Adjusted Earnings Per Share | 1.3 | 1.5 | 1.7 | 1.8 | 1.9 | 1.8 | 2 | 2 | 2.2 | 2.3 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 12665 | 13053 | 12062 | 11096 | 10850 | 11496 | 11869 | 13019 | 15899 | 20495 | 24948 | 28257 |
| Other Income | 1007 | 1020 | 1509 | 1507 | 1548 | 1650 | 2629 | 2653 | 2281 | 2999 | 3455 | 3585 |
| Total Income | 13672 | 14073 | 13571 | 12603 | 12398 | 13146 | 14498 | 15672 | 18180 | 23493 | 28403 | 31842 |
| Interest Expense | 8790 | 9174 | 8886 | 7706 | 7115 | 7216 | 6970 | 6974 | 8157 | 10672 | 13281 | 15178 |
| Operating Expenditure | 2527 | 2554 | 2857 | 2705 | 3084 | 3082 | 3566 | 3850 | 3922 | 4815 | 5801 | 6264 |
| Provisions and contingencies | 1542 | 1928 | 3970 | 5457 | 7327 | 3108 | 3006 | 2892 | 2655 | 3646 | 3597 | 3334 |
| Operating Profit | 814 | 418 | -2143 | -3265 | -5128 | -260 | 955 | 1956 | 3446 | 4360 | 5724 | 7067 |
| Profit Before Tax | 814 | 418 | -2143 | -3265 | -5128 | -260 | 955 | 1956 | 3446 | 4360 | 5724 | 7067 |
| Provision for Tax | 363 | 317 | -771 | -2120 | -345 | -649 | 404 | 804 | 843 | 304 | 203 | 567 |
| Profit After Tax | 451 | 101 | -1372 | -1145 | -4783 | 389 | 551 | 1152 | 2603 | 4056 | 5521 | 6500 |
| Adjustments | 14 | 17 | 16 | 33 | 20 | 10 | 20 | 2 | 2 | 16 | 21 | -26 |
| Profit After Adjustments | 465 | 118 | -1356 | -1112 | -4763 | 399 | 571 | 1153 | 2605 | 4072 | 5542 | 6474 |
| Adjusted Earnings Per Share | 4.4 | 1 | -11.6 | -4.3 | -17.3 | 0.7 | 0.9 | 1.7 | 3.9 | 5.8 | 7.2 | 8.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 22% | 24% | 17% | 7% |
| Operating Profit CAGR | 31% | 43% | 0% | 22% |
| PAT CAGR | 36% | 69% | 70% | 28% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 36% | 33% | 34% | 8% |
| ROE Average | 24% | 23% | 17% | -1% |
| ROCE Average | 17% | 18% | 15% | 3% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 8123 | 8860 | 7469 | 10067 | 5883 | 10909 | 12308 | 14062 | 15790 | 19871 | 28708 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 122110 | 138980 | 139040 | 138967 | 140636 | 150050 | 173989 | 202275 | 234064 | 270726 | 307120 |
| Borrowings | 11127 | 9228 | 8137 | 4064 | 10149 | 3670 | 4239 | 7747 | 10766 | 7719 | 23853 |
| Other Liabilities & Provisions | 4713 | 3961 | 4765 | 3351 | 8008 | 4388 | 6299 | 6700 | 7207 | 9013 | 9673 |
| Total Liabilities | 146073 | 161029 | 159411 | 156449 | 164676 | 169018 | 196835 | 230783 | 267827 | 307329 | 369354 |
| Cash and balance with RBI | 6653 | 8382 | 15275 | 15809 | 7920 | 10354 | 12882 | 19722 | 18508 | 21161 | 37993 |
| Bank Balance | 100 | 938 | 1367 | 75 | 1235 | 93 | 59 | 194 | 21 | 9150 | 4202 |
| Investments | 32819 | 36302 | 38677 | 43742 | 59837 | 57891 | 68281 | 68762 | 69042 | 68465 | 82216 |
| Advances | 98599 | 107563 | 95515 | 85797 | 82666 | 86872 | 102405 | 131170 | 171221 | 200240 | 236084 |
| Fixed Assets | 1432 | 1695 | 1564 | 1487 | 1741 | 1604 | 1622 | 2036 | 2149 | 2200 | 2911 |
| Other Assets | 6470 | 6150 | 6991 | 9508 | 11243 | 12132 | 11533 | 8694 | 6879 | 6103 | 5944 |
| Total Assets | 146073 | 161029 | 159411 | 156449 | 164676 | 169018 | 196835 | 230783 | 267827 | 307329 | 369354 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 6102 | 6753 | 9320 | 16642 | 15884 | 9155 | 10447 | 12942 | 19916 | 18529 | 30312 |
| Cash Flow from Operating Activities | -1083 | 2904 | 7498 | -1723 | -10842 | 693 | 2447 | 6896 | -1440 | 11581 | 7628 |
| Cash Flow from Investing Activities | -151 | -151 | -99 | -134 | -106 | -100 | -169 | -300 | -175 | -260 | -495 |
| Cash Flow from Financing Activities | 1885 | -186 | -77 | 1100 | 4220 | 698 | 217 | 378 | 228 | 461 | 4750 |
| Net Cash Inflow / Outflow | 651 | 2567 | 7322 | -758 | -6729 | 1292 | 2495 | 6974 | -1387 | 11783 | 11883 |
| Closing Cash & Cash Equivalent | 6753 | 9320 | 16642 | 15884 | 9155 | 10447 | 12942 | 19916 | 18529 | 30312 | 42195 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 4.37 | 1.01 | -11.61 | -4.28 | -17.3 | 0.68 | 0.87 | 1.71 | 3.87 | 5.75 | 7.21 |
| CEPS(Rs) | 5.33 | 2.14 | -10.73 | -3.91 | -16.5 | 1.03 | 1.13 | 2.11 | 4.26 | 6.04 | 7.56 |
| DPS(Rs) | 0.8 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5 | 1.3 | 1.4 | 1.5 |
| Book NAV/Share(Rs) | 66.84 | 64.74 | 53.6 | 34.39 | 16.38 | 16.56 | 16.97 | 18.55 | 21.27 | 26.02 | 34.86 |
| Yield on Advances | 12.85 | 12.14 | 12.63 | 12.93 | 13.12 | 13.23 | 11.59 | 9.93 | 9.29 | 10.24 | 10.57 |
| Yield on Investments | 8.37 | 7.97 | 8.82 | 7.71 | 6.6 | 7.85 | 6.91 | 7.14 | 6.33 | 6.82 | 6.79 |
| Cost of Liabilities | 6.6 | 6.19 | 6.04 | 5.39 | 4.72 | 4.69 | 3.91 | 3.32 | 3.33 | 3.83 | 4.01 |
| NIM (Net Interest Margin) | 2.81 | 2.53 | 2.11 | 2.33 | 2.46 | 2.76 | 2.67 | 2.75 | 2.99 | 3.29 | 3.24 |
| Interest Spread | 6.25 | 5.95 | 6.59 | 7.55 | 8.41 | 8.54 | 7.68 | 6.6 | 5.95 | 6.4 | 6.55 |
| ROA(%) | 0.32 | 0.07 | -0.86 | -0.72 | -2.98 | 0.23 | 0.3 | 0.54 | 1.04 | 1.41 | 1.63 |
| ROE(%) | 7.01 | 1.38 | -19.85 | -15.06 | -71.14 | 5.5 | 5.31 | 9.75 | 19.42 | 24.77 | 24.41 |
| ROCE(%) | 8.68 | 6.27 | -7.9 | -18.1 | -31.58 | 1.31 | 9 | 12.89 | 18.26 | 18.44 | 16.74 |
| PER(x) | 8.49 | 28.77 | 0 | 0 | 0 | 13.01 | 23.88 | 9.74 | 6.4 | 10.83 | 6.42 |
| Price/Book(x) | 0.56 | 0.45 | 0.63 | 0.4 | 0.84 | 0.54 | 1.23 | 0.9 | 1.16 | 2.39 | 1.33 |
| Dividend Yield(%) | 2.16 | 0 | 0 | 0 | 0 | 0 | 0 | 2.99 | 5.25 | 2.25 | 3.25 |
| EV/Net Sales(x) | 1.19 | 0.97 | 1 | 0.68 | 1.28 | 0.77 | 1.51 | 1.46 | 1.73 | 2.53 | 2.38 |
| EV/Core EBITDA(x) | 6.4 | 5.38 | 6.6 | 3.47 | 6.33 | 3.11 | 4.51 | 3.92 | 4.5 | 6.47 | 6.37 |
| Interest Earned Growth(%) | 5.93 | 3.06 | -7.59 | -8 | -2.22 | 5.95 | 3.25 | 9.7 | 22.12 | 28.91 | 21.73 |
| Net Profit Growth | 16.78 | -77.59 | -1457.31 | 16.56 | -317.78 | 108.14 | 41.63 | 108.85 | 126.01 | 55.83 | 36.12 |
| Advances Growth | 10.88 | 9.09 | -11.2 | -10.17 | -3.65 | 5.09 | 17.88 | 28.09 | 30.53 | 16.95 | 17.9 |
| EPS Growth(%) | 6.08 | -76.85 | -1247.4 | 63.13 | -304.26 | 103.96 | 27.2 | 96.73 | 125.85 | 48.56 | 25.3 |
| Loans/Deposits(x) | 9.11 | 6.64 | 5.85 | 2.92 | 7.22 | 2.45 | 2.44 | 3.83 | 4.6 | 2.85 | 7.77 |
| Cash/Deposits(x) | 0.05 | 0.06 | 0.11 | 0.11 | 0.06 | 0.07 | 0.07 | 0.1 | 0.08 | 0.08 | 0.12 |
| Current Ratio(x) | 0.27 | 0.26 | 0.28 | 0.31 | 0.43 | 0.39 | 0.39 | 0.34 | 0.29 | 0.25 | 0.27 |
| Quick Ratio(x) | 9.11 | 6.64 | 5.85 | 2.92 | 7.22 | 2.45 | 2.44 | 3.83 | 4.6 | 2.85 | 7.77 |
| CASA % | 37.09 | 36.67 | 44.89 | 47.74 | 49.65 | 50.3 | 53.99 | 57.86 | 53.39 | 52.74 | 53.29 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 86.46 | 86.46 | 86.46 | 86.46 | 86.46 | 79.6 | 79.6 | 79.6 | 79.6 | 73.6 |
| FII | 0.59 | 0.45 | 1.04 | 1.2 | 1.26 | 1.53 | 1.73 | 1.89 | 2.34 | 4.93 |
| DII | 5.18 | 4.71 | 4.68 | 4.58 | 4.47 | 10.87 | 10.67 | 10.4 | 10.05 | 13.5 |
| Public | 7.77 | 8.37 | 7.81 | 7.76 | 7.81 | 7.99 | 8 | 8.11 | 8 | 7.98 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 612.26 | 612.26 | 612.26 | 612.26 | 612.26 | 612.26 | 612.26 | 612.26 | 612.26 | 566.11 |
| FII | 4.21 | 3.2 | 7.38 | 8.51 | 8.9 | 11.8 | 13.29 | 14.54 | 18.02 | 37.89 |
| DII | 36.67 | 33.38 | 33.17 | 32.43 | 31.65 | 83.63 | 82.06 | 79.97 | 77.32 | 103.8 |
| Public | 54.99 | 59.29 | 55.33 | 54.93 | 55.33 | 61.46 | 61.54 | 62.38 | 61.55 | 61.36 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 708.14 | 708.14 | 708.14 | 708.14 | 708.14 | 769.16 | 769.16 | 769.16 | 769.16 | 769.16 |
* The pros and cons are machine generated.
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