Bank of Maharashtra Value Chain Analysis
Fully Editable
Tailor To Your Needs In Excel Or Sheets
Professional Design
Trusted, Industry-Standard Templates
Pre-Built
For Quick And Efficient Use
No Expertise Is Needed
Easy To Follow
Make Smarter Decisions with the Full Value Chain Report
This Bank of Maharashtra Value Chain Analysis gives you a structured view of how the bank creates value through support and primary activities, making it useful for research, strategy, investing, or business planning. This page already shows a real preview of the analysis, so you can review the style and substance before buying. Purchase the full version to get the complete ready-to-use report.
Support Activities
Firm Infrastructure
As a public sector bank, Bank of Maharashtra depends on firm governance, risk, audit, and capital planning to run a regulated balance sheet. In FY2025, its CRAR was 18.43%, with GNPA at 1.84% and NNPA at 0.18%, showing tight control over credit risk.
This backbone supports lending, treasury, and deposit growth across retail, corporate, and international business, while keeping asset quality and liquidity stable.
Human Resource Management
Bank of Maharashtra's Human Resource Management is a core support activity because branch banking, credit appraisal, collections, and customer service all depend on trained officers and operations staff. In FY2025, the bank's wide network of 2,600+ branches and 2,900+ ATMs made compliance training, sales skill, and service discipline essential for consistent delivery across individuals, SMEs, corporates, and institutions. Strong staff capability also helps Bank of Maharashtra handle loan quality, recovery work, and faster service at scale.
Technology Development
Bank of Maharashtra uses core banking, digital payments, analytics, and cybersecurity to speed up work across retail, MSME, agri, and treasury. India's UPI crossed about 185.8 billion transactions in FY25, so stronger payment rails matter for faster service and cross-sell. Better analytics cuts processing time, while fraud controls and cyber tools protect rising digital flows and support cleaner credit decisions.
Procurement
In FY25, Bank of Maharashtra's procurement focused on IT systems, security, telecom, facilities, and outsourced support, not physical inputs. This keeps the value chain asset-light and makes vendor control a key lever for service quality.
Strong supplier screening and contract oversight help lower outages, fraud risk, and compliance gaps across 2,500+ branches and digital channels. That matters because even small service breaks can hit customer trust fast.
So procurement is less about buying stock and more about buying uptime, data safety, and branch reliability.
Bank of Maharashtra's FY2025 support spine stays strong
Bank of Maharashtra's support activities in FY2025 centered on strong governance, with CRAR at 18.43%, GNPA at 1.84%, and NNPA at 0.18%.
Its HR, tech, and vendor controls supported 2,600+ branches and 2,900+ ATMs, helping service, compliance, and uptime.
| FY2025 | Key support metric |
|---|---|
| 18.43% | CRAR |
| 1.84% | GNPA |
| 0.18% | NNPA |
What is included in the product
Detailed Word Document
Editable Excel File
Primary Activities
Inbound Logistics
In Bank of Maharashtra, inbound logistics is the flow of deposits, cash, cheques, payment inflows, and customer documents that feed lending and treasury use. FY2025 filings show stronger deposit mobilization and steady CASA support, which gives the Bank low-cost funds for retail, SME, corporate, and institutional lending. Faster digital collection and cleaner KYC also cut processing time and support fee income.
Operations
Bank of Maharashtra's Operations turn deposits and client flows into loans, treasury income, and payment services through account opening, underwriting, monitoring, and settlement. In FY2025, deposits stood near Rs 3.03 lakh crore and advances near Rs 2.40 lakh crore, while net profit reached about Rs 5,520 crore. A low GNPA of 1.74% and NNPA of 0.18% show that tight credit checks and fast settlement support scale without letting risk slip.
Outbound Logistics
In FY25, Bank of Maharashtra moved products through 2,600+ branches, 2,900+ ATMs, mobile banking, internet banking, and payment rails like UPI, NEFT, and RTGS. This outbound setup helps push loans, deposits, and transfers fast, with digital rails handling most routine customer instructions.
The branch-plus-digital network lowers delivery frictions and keeps service available across urban and semi-urban markets. For a value chain view, this is the last-mile engine that turns core banking products into real customer access at scale.
Marketing and Sales
In FY25, Bank of Maharashtra used branch staff, relationship managers, and digital channels to sell deposits, loans, trade finance, and fee products across retail, SME, corporate, and institutional customers. Public sector trust matters here because the bank is competing on reach and credibility, not just price. Strong service reliability and quick turnaround help convert low-cost deposits and cross-sell more fee income.
Service
Bank of Maharashtra's service layer covers account servicing, grievance handling, loan monitoring, collections, alerts, and renewal support, so it helps keep customers active after disbursal. In FY2025, even a small change in delinquency can move profit, because the bank's asset quality and fee income both depend on steady servicing and fast follow-up.
Strong post-sale service also supports cross-sell into deposits, cards, and retail loans, which matters in a low-margin business where basis points count. Better renewal support and collections can cut churn, protect repayment rates, and lift lifetime customer value.
Bank of Maharashtra FY2025: Rs 3.03 Lakh Crore Deposits Power Growth
Bank of Maharashtra's primary activities in FY2025 were using its Rs 3.03 lakh crore deposit base to fund Rs 2.40 lakh crore advances, generate treasury income, and process payments across retail, SME, and corporate customers.
Its 2,600+ branches, 2,900+ ATMs, and digital rails like UPI, NEFT, and RTGS moved products, collections, and transfers fast, while net profit rose to about Rs 5,520 crore and GNPA stayed at 1.74%.
| FY2025 metric | Value |
|---|---|
| Deposits | Rs 3.03 lakh crore |
| Advances | Rs 2.40 lakh crore |
| Net profit | Rs 5,520 crore |
| GNPA | 1.74% |
Preview the Actual Deliverable
Bank of Maharashtra Reference Sources
This is the actual Bank of Maharashtra Value Chain Analysis document you'll receive upon purchase – no surprises, just professional quality. The preview below is taken directly from the full report, so what you see is exactly what you get. Once purchased, the complete Bank of Maharashtra Value Chain Analysis becomes available in full detail.
Frequently Asked Questions
It centers on deposit mobilization, credit intermediation, and transaction processing across four lines: retail banking, corporate banking, treasury, and international banking. The balance sheet depends on two core levers, deposits and loans, while the bank serves four customer groups: individuals, SMEs, large corporations, and institutions.
Disclaimer
All information, articles, and product details provided on this website are for general informational and educational purposes only. We do not claim any ownership over, nor do we intend to infringe upon, any trademarks, copyrights, logos, brand names, or other intellectual property mentioned or depicted on this site. Such intellectual property remains the property of its respective owners, and any references here are made solely for identification or informational purposes, without implying any affiliation, endorsement, or partnership.
We make no representations or warranties, express or implied, regarding the accuracy, completeness, or suitability of any content or products presented. Nothing on this website should be construed as legal, tax, investment, financial, medical, or other professional advice. In addition, no part of this site - including articles or product references - constitutes a solicitation, recommendation, endorsement, advertisement, or offer to buy or sell any securities, franchises, or other financial instruments, particularly in jurisdictions where such activity would be unlawful.
All content is of a general nature and may not address the specific circumstances of any individual or entity. It is not a substitute for professional advice or services. Any actions you take based on the information provided here are strictly at your own risk. You accept full responsibility for any decisions or outcomes arising from your use of this website and agree to release us from any liability in connection with your use of, or reliance upon, the content or products found herein.