All rupee loans sanctioned and credit limits renewed with effect from 1 April 2016 shall be priced with reference to the MCLR, which will be the internal benchmark for such purposes.
| Effective Rate as of 7th January 2026 | |
| Tenor | Tenure wise MCLR |
| Overnight | 7.20% |
| 1 month | 7.75% |
| 3 month | 7.95% |
| 6 month | 8.05% |
| 1 year (12 month) | 8.25% |
| 2 year (24 month) | 8.25% |
| 3 year (36 month) | 8.25% |
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