Bank of Baroda revises MCLR effective September 12, 2025, with cuts in overnight and three-month tenors
The revision of MCLR directly influences the interest rates on a significant portion of the bank's loan book, impacting its net interest income and overall profitability.
The bank has revised down its Marginal Cost of Funds Based Lending Rate (MCLR) for overnight and three-month tenors. A reduction in MCLR typically leads to lower interest income for the bank on loans linked to these rates, which could negatively impact its profitability.
* Bank of Baroda announced a revision in its Marginal Cost of Funds Based Lending Rate (MCLR) effective 12th September 2025. * The overnight MCLR has been reduced from 7.95% to 7.85%. * The three-month MCLR has been reduced from 8.35% to 8.20%. * The one-month, six-month, and one-year MCLR remain unchanged at 7.95%, 8.65%, and 8.80% respectively.
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Bank of Baroda filed this with the NSE as a statutory disclosure, categorised under corporate actions. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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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.