Your rate stack
What this bank charges, and what it pays back.
01 · RBI
Repo rate
5.25%
Where the bank funds itself overnight
02 · Bank of Baroda
EBLR
7.90%
+265 bps over repo
1Y MCLR
8.70%
+345 bps over repo
Most retail home loans sit on EBLR; older / corporate loans on MCLR
03 · Bank of Baroda
1Y FD (your deposit return)
6.25%
Gap to EBLR +165 bps · to MCLR +245 bps
See full FD slabsBank of Baroda's lending-deposit spread sits at +165 bps on EBLR-linked loans and +245 bps on 1-year MCLR. If you hold both an FD and an OD here, that's the spread you're carrying both ways.
MCLR term structure
Rate by reset tenor.
5 tenors
Overnight
7.80
%
1-month
7.90
%
3-month
8.15
%
6-month
8.45
%
1-year
8.70
%
2-year
—
not reported
3-year
—
not reported
MCLR loans reset at the chosen tenor. A 1-year MCLR loan recalculates once a year; an overnight MCLR loan recalculates every business day. Most retail loans pick the 1-year MCLR.
Vs the sovereign curve
Bank of Baroda MCLR against same-tenor G-Sec yields.
Compare the cost of a term loan from Bank of Baroda against what a comparable corporate bond would price at: G-Sec yield plus a credit spread of roughly 75–150 bps for AAA names.
- 3-month+288 bpsMCLR8.15%G-Sec5.27%
- 6-month+301 bpsMCLR8.45%G-Sec5.44%
- 1-year+284 bpsMCLR8.70%G-Sec5.86%
Bank of Baroda MCLR · G-Sec from RBI curve · as of 11 May 2026
Closest peers by EBLR
