Bank of Maharashtra Ltd — Q4 FY26
Bank of Maharashtra delivered a strong Q4 FY26, with net profit surging 27% YoY to ₹7,019 crore, driven by robust loan growth of 22% YoY and stable NIM of 3.91% (full year).
bullish
high
✓ Verified against BSE filing
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q3 FY26
Deposit growth guidance of 14% YoY for FY26
Management confirmed achieving 14% deposit growth target for the full year, despite Q3 YTD growth of 4.73%, citing Q4 seasonal inflows and strategic focus on low-cost deposits.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
NIM to be maintained at ~3.75%
Management targets NIM around 3.75% despite rate cuts, supported by MCLR repricing and cost management.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Gross NPA below 2%, Net NPA below 0.25%
Asset quality guidance reiterated; current gross NPA 1.60% and net NPA 0.15% are well within targets.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Cost-to-income below 40%
Despite branch expansion, management expects to maintain cost-to-income below 40%; current level is 37.19%.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1