Bank of Maharashtra — Q1FY27 Earnings Call Summary

MAHABANK · Q1FY27 · Filed 16 Jul 2026

Key Takeaways

• Q1 FY27 business grew 19% Y-o-Y to INR1.04tn; advances up 27% Y-o-Y to INR65,000cr
• NIM at 3.85%, above 3.75% guidance; ROA 1.9%, ROE 24.65%
• Loan growth guidance maintained at 18%, despite current 27% growth
• ECLGS disbursed INR3,560cr mainly to MSMEs; debt waiver scheme expected to benefit with max haircut INR450-500cr
• Tax rate on PBT expected 16-17%, benefiting from rural advances and bad debt write-offs
• Credit cost below 1% at 0.99%; CET1 at 15.56%, CRAR 18.64%
• Management emphasizes sustainable growth, profitability, and asset quality discipline
• Gross NPA stable at 1.45%, NNPA at 0.13%, PCR strong at 98.55%
• Operating profit rose 21% Y-o-Y to INR3,117cr; net profit up 27% Y-o-Y to INR2,020cr
• CASA grew 9% Y-o-Y; deposit growth 13% without fresh CDs; CD ratio adjusted for refinance at 82%

📄 Source: View original transcript (PDF)

Summary generated by AI from the official transcript filed on BSE/NSE. Not investment advice.