How Did Bank of Maharashtra Sustain Double-Digit Growth in Deposits and Advances?
About Bank of Maharashtra’s Business Performance
Bank of Maharashtra (BoM) has delivered yet another quarter of consistent growth momentum. As per provisional figures for September 2025, the bank’s global business grew 14.22% year-on-year to ₹5,63,987 crore, highlighting the lender’s continued expansion across both retail and corporate segments.
Total deposits rose 12.13% YoY to ₹3,09,800 crore, while CASA deposits climbed 14.55% to ₹1,55,989 crore, forming an impressive CASA ratio of 50.35%. This reflects the bank’s strong retail deposit franchise and its ability to retain low-cost funding even in a rising rate environment.
On the advances side, global advances grew 16.87% YoY to ₹2,54,187 crore, supported by a sharp 37.39% YoY rise in retail advances and a healthy 16.57% growth in corporate lending. The credit-deposit ratio (CD ratio) stood at 82.05, indicating a balanced growth profile.
Deposit and Credit Mix Analysis
The growth in both retail and corporate segments demonstrates Bank of Maharashtra’s diversification efforts. Retail loans—led by housing, vehicle, and personal finance—have become the key growth driver. At the same time, the corporate book continues to expand selectively with focus on high-rated borrowers to maintain asset quality.
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Deposit growth remained well-distributed, driven by sustained traction in savings and term deposits. The CASA ratio above 50% positions BoM among the best in its peer group, contributing significantly to its cost efficiency and improving net interest margins (NIMs).
Retail Strength and Operational Resilience
Bank of Maharashtra’s retail book continues to be the standout performer. The growth of over 37% YoY in retail advances signifies rising demand for home, auto, and personal loans. With inflation moderating and liquidity improving, retail momentum is expected to remain robust in the coming quarters.
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In addition to expanding its retail base, the bank has continued digital transformation through mobile banking, data-driven lending, and streamlined digital onboarding. The focus on technology and efficiency is expected to further strengthen its growth and profitability metrics.
Investor Takeaway
Bank of Maharashtra’s September 2025 update highlights its ability to maintain high CASA levels, strong retail growth, and balanced asset quality. With prudent risk management and a diversified portfolio, the bank continues to strengthen its position among mid-tier PSBs.
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SEBI Disclaimer: The information provided in this post is for informational purposes only and should not be construed as investment advice. Readers must perform their own due diligence and consult a registered investment advisor before making any investment decisions. The views expressed are general in nature and may not suit individual investment objectives or financial situations.
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