Bank of Maharashtra

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Bank of Maha Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Bank of Maharashtra

₹ 80.6 0.93%
20 Aug 3:47 p.m.
bankofmaharashtra.bank.in BSE: 532525 NSE: MAHABANK
About

Bank of Maharashtra is engaged in providing banking services. The Bank's segments include Treasury, Corporate/Wholesale Banking, Retail Banking and Other banking operations.[1]

Key Points

Revenue Breakup
Retail Banking: ~46% in Q3 FY26 vs ~35% in FY22
Corporate/ Wholesale Banking: ~35% in Q3 FY26 vs ~30% in FY22
Treasury: 19% in Q3 FY26 vs 32% in FY22
Other Operations: 1% in Q3 FY26 vs 3% in FY22 [1][2]

Website BSE NSE
  • Market Cap ₹ 61,986 Cr.
  • Current Price ₹ 80.6
  • High / Low ₹ 94.5 / 51.7
  • Stock P/E 8.25
  • Book Value ₹ 46.4
  • Dividend Yield 2.73 %
  • ROCE 6.03 %
  • ROE 22.6 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company has delivered good profit growth of 65.2% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 19.4%

Cons

  • Company has low interest coverage ratio.
  • Tax rate seems low
  • Contingent liabilities of Rs.50,756 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Public Sector Bank

Part of Nifty LargeMidcap 250 Nifty MidSmallcap 400 Nifty Midcap 150 Nifty 500 Multicap 50:25:25 BSE PSU

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
4,789 5,068 5,172 5,467 5,875 6,017 6,325 6,731 7,054 7,128 7,344 7,755 8,035
Interest 2,449 2,636 2,705 2,882 3,075 3,210 3,381 3,614 3,762 3,880 3,922 4,052 4,264
1,882 2,164 2,076 2,339 2,349 2,219 2,269 2,561 2,414 2,275 2,348 2,312 2,522
Financing Profit 458 268 390 246 450 588 675 556 878 973 1,075 1,391 1,248
Financing Margin % 10% 5% 8% 4% 8% 10% 11% 8% 12% 14% 15% 18% 16%
629 668 680 1,022 894 792 788 981 825 846 933 938 1,029
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1,088 936 1,070 1,268 1,344 1,380 1,463 1,537 1,703 1,819 2,008 2,330 2,277
Tax % 19% 2% 3% 4% 4% 4% 4% 3% 6% 10% 11% 14% 11%
884 920 1,038 1,230 1,295 1,333 1,412 1,502 1,504 1,669 1,799 2,045 2,023
EPS in Rs 1.25 1.30 1.47 1.74 1.83 1.88 1.84 1.95 1.96 2.17 2.34 2.66 2.63
Gross NPA % 2.28% 2.19% 2.04% 1.88% 1.85% 1.84% 1.80% 1.74% 1.74% 1.72% 1.60% 1.45% 1.45%
Net NPA % 0.24% 0.23% 0.22% 0.20% 0.20% 0.20% 0.20% 0.18% 0.18% 0.18% 0.15% 0.13% 0.13%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
12,665 13,053 12,062 11,096 10,850 11,496 11,869 13,019 15,899 20,495 24,948 29,282 30,262
Interest 8,790 9,174 8,886 7,706 7,115 7,216 6,970 6,974 8,157 10,672 13,281 15,616 16,119
3,953 4,332 6,709 8,034 9,825 5,330 6,788 7,278 6,314 8,542 9,107 9,005 9,456
Financing Profit -78 -453 -3,533 -4,643 -6,090 -1,050 -1,889 -1,233 1,428 1,281 2,560 4,661 4,688
Financing Margin % -1% -3% -29% -42% -56% -9% -16% -9% 9% 6% 10% 16% 15%
1,020 1,037 1,525 1,540 1,568 1,660 2,649 2,655 2,283 3,015 3,476 3,538 3,746
Depreciation 115 149 118 129 241 211 188 268 262 223 291 344 0
Profit before tax 827 435 -2,126 -3,232 -4,763 399 571 1,153 3,448 4,072 5,745 7,855 8,433
Tax % 44% 73% -36% -66% 0% 0% 0% 0% 24% 0% 4% 11%
465 118 -1,356 -1,112 -4,763 399 571 1,153 2,605 4,072 5,542 7,017 7,536
EPS in Rs 4.37 1.01 -11.61 -4.28 -17.30 0.68 0.87 1.71 3.87 5.75 7.21 9.12 9.80
Dividend Payout % 18% 0% 0% 0% 0% 0% 0% 29% 34% 24% 21% 13%
Compounded Sales Growth
10 Years: 8%
5 Years: 20%
3 Years: 23%
TTM: 16%
Compounded Profit Growth
10 Years: 50%
5 Years: 65%
3 Years: 39%
TTM: 31%
Stock Price CAGR
10 Years: 10%
5 Years: 34%
3 Years: 28%
1 Year: 45%
Return on Equity
10 Years: 10%
5 Years: 20%
3 Years: 23%
Last Year: 23%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 1,063 1,168 1,168 2,598 2,753 5,824 6,560 6,730 6,730 7,081 7,692 7,692
Reserves 7,060 7,692 6,301 7,469 3,130 5,085 5,748 7,331 9,060 12,789 21,016 25,533
Deposits 125,915 142,785 139,040 138,967 140,636 150,050 173,989 202,275 234,064 270,726 307,120 350,538
Borrowing 7,322 5,423 8,137 4,064 10,149 3,670 4,239 7,747 10,766 7,719 23,853 35,234
4,713 3,961 4,765 3,351 8,008 4,388 6,299 6,700 7,207 9,013 9,673 8,475
Total Liabilities 146,073 161,029 159,411 156,449 164,676 169,018 196,835 230,783 267,827 307,329 369,354 427,471
1,432 1,695 1,564 1,487 1,741 1,604 1,622 2,036 2,149 2,200 2,911 2,954
CWIP 0 0 22 30 34 72 52 205 8 10 4 8
Investments 32,819 36,302 38,677 43,742 59,837 57,891 68,281 68,762 69,042 68,465 82,216 101,588
111,822 123,033 119,148 111,189 103,064 109,451 126,880 159,780 196,628 236,655 284,222 322,922
Total Assets 146,073 161,029 159,411 156,449 164,676 169,018 196,835 230,783 267,827 307,329 369,354 427,471

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-1,083 2,904 7,498 -1,723 -10,842 693 2,447 6,896 -1,440 11,581 7,628 -11,336
-151 -151 -99 -134 -106 -100 -169 -300 -175 -260 -495 -506
1,885 -186 -77 1,100 4,220 698 217 378 228 461 4,750 -2,607
Net Cash Flow 651 2,567 7,322 -758 -6,729 1,292 2,495 6,974 -1,387 11,783 11,883 -14,449
Free Cash Flow -1,234 2,753 7,399 -1,858 -10,968 584 2,258 6,594 -1,617 11,305 7,112 -11,742
CFO/OP -12% 38% 140% -56% -1,058% 11% 48% 120% -15% 97% 48% -56%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 6% 1% -17% -13% -60% 5% 5% 9% 17% 23% 23% 23%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross NPA %
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Total Branches
Number ・Standalone data
CASA Ratio
% ・Standalone data
PMJDY Accounts
Lakhs ・Standalone data
RAM % to Gross/Domestic Advances
% ・Standalone data
Total Employees
Number ・Standalone data
UPI/BHIM Users
Million ・Standalone data

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
86.46% 86.46% 86.46% 86.46% 86.46% 79.60% 79.60% 79.60% 79.60% 73.60% 73.60% 73.60%
0.59% 0.45% 1.04% 1.20% 1.26% 1.54% 1.72% 1.89% 2.35% 4.92% 5.55% 5.82%
5.17% 4.71% 4.68% 4.58% 4.46% 10.88% 10.67% 10.40% 10.06% 13.50% 13.93% 14.28%
7.76% 8.37% 7.80% 7.75% 7.81% 7.99% 8.00% 8.11% 8.00% 7.97% 6.93% 6.32%
No. of Shareholders 6,06,0466,77,0878,46,7469,19,6639,48,4329,95,54310,06,2659,91,9309,74,4849,52,7759,01,4108,75,943

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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