Marginal Cost of Funds based Lending Rate (MCLR)

The Marginal Cost of Funds based Lending Rate (MCLR) with effect from January 20, 2026 for various tenors are as given under:

S. No Tenor MCLR in %
1 Overnight 12.75
2 One Month 12.50
3 Three Month 12.70
4 Six Month 12.90
5 One Year 12.95
6 Two Year 13.20
7 Three Year 13.35