Bank of Maharashtra — Q1FY27 earnings call summary

Filed 16 July 2026 · Official transcript

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%