Bank of India Revises MCLR Effective January 1, 2026
Bank of India has revised its Marginal Cost of Fund based Lending Rate (MCLR) effective January 1, 2026. Overnight MCLR will be 7.70%, 1-year MCLR will be 8.75%. RBLR, FRS, and Base Rate remain unchanged. The announcement was made on December 31, 2025.
Changes in MCLR are a regular occurrence for banks and are part of normal business operations. This specific revision does not indicate any extraordinary event or significant shift in the bank's financial performance or strategy.
The announcement details a routine change in lending rates, which is a standard operational update for a bank. There are no significant positive or negative financial implications highlighted.
Bank of India has announced a change in its Marginal Cost of Fund based Lending Rate (MCLR), which will be effective from January 1, 2026. The Repo Based Lending Rate (RBLR) and Fixed Rate Spread (FRS) will remain unchanged. The Base Rate will also see no change.
The previous MCLR rates, effective from December 1, 2025, were: Overnight MCLR at 7.95%, 1 Month MCLR at 8.30%, 3 Month MCLR at 8.45%, 6 Month MCLR at 8.70%, 1 Year MCLR at 8.85%, and 3 Year MCLR at 9.00%.
The revised MCLR rates, effective from January 1, 2026, are: Overnight MCLR at 7.70%, 1 Month MCLR at 8.05%, 3 Month MCLR at 8.20%, 6 Month MCLR at 8.60%, 1 Year MCLR at 8.75%, and 3 Year MCLR at 8.90%. This information is provided pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.
What to do with a filing like this
Bank of India filed this with the NSE as a statutory disclosure, categorised under other regulatory filings. 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.
That call is the part a filing cannot make for you. On RealCase, SEBI-registered research analysts and investment advisers read announcements like this one and turn the ones that matter into actions inside their model portfolios: a change in weight, a hold, or nothing at all. You are not left working out which of the roughly 250 filings published each day needs a response. The portfolio you follow is updated when a filing actually warrants it, with the reason written down.
See the model portfoliosA plain-language summary of a public exchange filing by Bank of India. Read the original for the full detail.