Disclosure of Provisional Business Figures as on 31.03.2026
RESULTS
▲ Positive Development
MEDIUM RISK
📅 Filed on BSE: 06 Apr 2026, 08:57 AM IST · BSE ID: 687fe539-b610-4070-9f47-d9eda628c475
View Original BSE Filing (PDF)
💡
In Simple Terms
Bank of Maharashtra's loan and deposit book grew double-digit in FY26, with advances rising faster than deposits, signaling stronger credit deployment.
🤖 AI Summary
- Total business grew 18% YoY to Rs. 6,42,700 crore as of 31 March 2026
- Total deposits increased 14% to Rs. 3,50,585 crore; CASA deposits rose 13%
- Global advances jumped 22% to Rs. 2,92,115 crore; retail-agricultural-micro advances up 21%
- Corporate advances grew 17% domestic, 23% global; launched IBU overseas advances of Rs. 6,124 crore
- Domestic credit-deposit ratio improved to 82% from 78%; figures marked provisional pending audit
🔢 Key Numbers — exact figures from BSE filing, not rounded
Total Business
Rs. 6,42,700 crore
18%
Total Deposits
Rs. 3,50,585 crore
14%
Global Advances
Rs. 2,92,115 crore
22%
CASA Deposits
Rs. 1,84,110 crore
13%
RAM Advances
Rs. 1,79,847 crore
21%
Corporate Advances (Domestic)
Rs. 1,06,143 crore
17%
Corporate Advances (Global)
Rs. 1,12,267 crore
23%
IBU Advances (Overseas)
Rs. 6,124 crore
🏢 How This Affects the Company
Total business crossed Rs. 6,42,700 crore, 18% above prior year. Advances outpaced deposits—global advances grew 22% while deposits grew 14%—indicating aggressive lending momentum and market share gains in corporate and overseas segments.
Domestic CD ratio improved to 82% from 78%, reflecting higher advance deployment relative to deposits. Balance sheet expanded with Rs. 6,42,700 crore total business and Rs. 3,50,585 crore deposits, strengthening asset base for earnings.
Bank launched international banking unit (IBU) with Rs. 6,124 crore in overseas advances, expanding geographic footprint. Retail-agricultural-micro segment grew 21%, maintaining 62:38 corporate-to-retail split, indicating operational scaling across segments.
Rising CD ratio (78% to 82%) and 22% growth in global advances increase credit concentration and geographic risk exposure. Provisional figures subject to audit introduce reporting certainty risk until final audited results are published.
👥 What This Means For Shareholders
✅
Action Required
Await audited FY26 results disclosure to validate provisional figures and assess final balance sheet health, NPA position, and profitability.
👤
Who Is Affected
All equity shareholders benefit from Rs. 6,42,700 crore business base and 18% growth, but downside exposure exists if audited results reveal asset quality deterioration or NPA surprises.
🔍
Management Signal
Aggressive advance growth (22% global, 21% RAM) and CD ratio expansion (78% to 82%) indicate management prioritizing credit deployment and market share over liquidity buffers.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Audited FY26 financial results — verify provisional figures and confirm NPA position and provision adequacy
Q1 FY27 business update — track if advance growth momentum sustains and CD ratio stabilizes below 85%
Capital adequacy and dividend announcement — assess capital position after 18% business growth and determine payout decision
MEDIUM RISK
CD ratio at 82% limits liquidity buffer; global advances concentration (22% growth) and provisional audit status introduce reporting and credit concentration risks.
💡 Investor Takeaway
Bank of Maharashtra's FY26 business reached Rs. 6,42,700 crore (18% growth) with global advances at Rs. 2,92,115 crore (22% growth) and CD ratio at 82%. Figures remain provisional. Q4 FY26 audited results will confirm asset quality and validate forward trajectory.
⚖️ Strengths & Concerns
✅ Positives
- Global advances grew 22% to Rs. 2,92,115 crore, outpacing overall business growth and capturing international lending opportunity.
- Deposits grew 14% to Rs. 3,50,585 crore while maintaining stable 53% CASA ratio, showing deposit stability and cost control.
⚠️ Concerns
- CD ratio jumped 4 percentage points to 82%, signaling higher leverage relative to deposits and reduced liquidity buffer.
- Figures remain provisional and subject to audit, delaying investor confidence in final balance sheet strength until audited results.