| Retail Banking | Housing loans, personal loans, vehicle loans, education loans, gold loans, digital banking services. | Strong brand in Maharashtra, extensive branch network, digital platforms, and government-backed schemes. | Individuals, salaried persons, farmers, and professionals (B2C). | Gold loans and personal loans command higher margins due to risk and turnaround time efficiencies. | 12472 | 46 | Interest income on loans, processing fees, and service charges. | Competitive interest rates with tiered loan offerings; digital account openings enhance convenience. | Rising retail credit demand, digital adoption, housing finance schemes, and personal credit expansion. | Maha Super Housing Loan Scheme, Maha Bank Gold Loan Scheme, Maha Mobile App |
| Corporate/Wholesale Banking | Corporate loans, export finance, trade finance, working capital finance, treasury services. | Experience in priority sector lending, trusted government bank, and treasury expertise. | Large corporates, SMEs, exporters, and government entities (B2B). | Working capital and cash management fees provide stable fee income. | 9803 | 36 | Interest income, fees from trade services, treasury profits. | Customized pricing based on loan size, risk, and client relationship value. | Infrastructure funding, manufacturing credit demand, and increased government spend driving credit uptake. | Corporate Loan Products, Equipment Finance, Global Banking Services |
| Treasury | Investment in government securities, trading, forex operations, and money market activities. | Strong treasury team and robust investment portfolio management practices. | Internal and institutional clients, regulatory investments. | Non-SLR investments and treasury trading. | 5878 | 18 | Interest income on investments, trading profits, forex margins. | Investment yields driven. | Favorable interest rate movements, liquid asset management, and forex market activity. | Investment Portfolio, Treasury Management Operations |
| Other Banking Operations | Fee-based services, bancassurance, government business, financial inclusion operations. | Long standing government relationships and wide branch network. | Retail customers, government bodies, insurance partners (B2B, B2C). | Bancassurance and government receipt collections. | 270 | 1 | Commissions, service fees, and distribution income. | Commission and fee-based revenues. | Expansion of bancassurance, government business, and digital financial products. | |
