PNB Maintains MCLR and RLLR Unchanged Effective January 1, 2026
Punjab National Bank will maintain its Marginal Cost of Funds Based Lending Rates (MCLR) unchanged from January 1, 2026. Overnight MCLR is 7.95%, one-year MCLR is 8.75%, and three-year MCLR is 9.05%. The Repo Linked Lending Rate (RLLR) remains at 8.10% and Base Rate at 9.50%.
Interest rates remaining unchanged typically has a minimal immediate impact on the bank's operations or stock price, as it signifies a continuation of the current pricing strategy rather than a significant change.
The announcement states that interest rates will remain unchanged, which is a neutral development for the bank and its customers.
Punjab National Bank (PNB) has announced that its Marginal Cost of Funds Based Lending Rates (MCLR) will remain unchanged with effect from January 1, 2026. The MCLR for Overnight tenor will be 7.95%, for One Month it will be 8.20%, for Three Months 8.40%, for Six Months 8.60%, for One Year 8.75%, and for Three Years 9.05%.
Furthermore, the bank's existing Repo Linked Lending Rate (RLLR) of 8.10% (including BSP of 0.10%) and Base Rate of 9.50% will also remain unchanged. The bank has requested that these rates be taken on record.
What to do with a filing like this
Punjab National Bank 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.
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 Punjab National Bank. Read the original for the full detail.