Margin compression from rate cuts
RBI rate cuts of 125bps have pressured yields; full impact of Q3 cut will be felt in Q4, and further cuts could compress NIM.
MAHABANK / Q3-FY26 / risks
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Bank of Maharashtra · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Deposit growth lagging credit growth
9-month deposit growth of 4.73% trails credit growth, pushing CD ratio to 85%; reliance on Q4 seasonal inflows to meet 14% target.
Treasury loss from Gramin Bank amalgamation
One-time hit of ₹290 crore from amalgamation of Maharashtra Gramin Bank and Vidharbha Konkan Gramin Bank impacted treasury profits.
MSME rebalancing execution risk
Strategic shift away from bill discounting and tightening underwriting (CMR 1-5 only) may slow MSME growth; current YoY growth is 8% vs earlier double-digit.