Bank of Baroda revises Marginal Cost of Funds Based Lending Rate (MCLR) effective October 12, 2025
Bank of Baroda announced a revision in its Marginal Cost of Funds Based Lending Rate (MCLR), effective October 12, 2025, with minor adjustments across various tenors.
The MCLR changes are minor, with a 5 basis point reduction for some tenors, indicating a limited immediate financial impact on the bank's profitability or on borrowers' interest costs.
The bank has made minor adjustments to its MCLR, with some tenors seeing a reduction while others remain unchanged. This is a routine operational update for a bank and does not indicate a significant positive or negative shift in the bank's financial outlook based solely on this announcement.
Bank of Baroda has reviewed and revised its Marginal Cost of Funds Based Lending Rate (MCLR) which will be effective from October 12, 2025. The revised rates are as follows: * Overnight MCLR remains unchanged at 7.85%. * One Month MCLR has been reduced from 7.95% to 7.90%. * Three Month MCLR remains unchanged at 8.20%. * Six Month MCLR has been reduced from 8.65% to 8.60%. * One Year MCLR has been reduced from 8.80% to 8.75%.
What to do with a filing like this
Bank of Baroda filed this with the NSE as a statutory disclosure, categorised under interest rates. It is a primary document, not a recommendation, and the desk marks it low impact, the band that almost never moves a portfolio on its own.
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See the model portfoliosA plain-language summary of a public exchange filing by Bank of Baroda. Read the original for the full detail.