Capera
Pvt

Private · RBI Repo Rate

HDFC Bank
loan rates

External benchmark

EBLR

—%

Marginal cost

1-year MCLR

8.30%

Live · updated 16 October 2026, IST·Last revised 7 October 2026

Your rate stack

What this bank charges, and what it pays back.

01 · RBI

5.50%

Where the bank funds itself overnight

02 · HDFC Bank

—

External benchmark

8.30%

+280 bps over repo

Most retail home loans sit on EBLR; older / corporate loans on MCLR

03 · HDFC Bank

1Y FD (your deposit return)

6.25%

Gap to EBLR 0 bps · to MCLR +205 bps

See full FD slabs

HDFC Bank's lending-deposit spread sits at 0 bps on EBLR-linked loans and +205 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.

Overnight

7.80

%

1-month

7.75

%

3-month

7.95

%

6-month

8.15

%

1-year

8.30

%

2-year

8.40

%

3-year

8.55

%

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

HDFC Bank MCLR against same-tenor G-Sec yields.

Compare the cost of a term loan from HDFC Bank against what a comparable corporate bond would price at: G-Sec yield plus a credit spread of roughly 75–150 bps for AAA names.

Tenor MCLR G-SecSpread
  1. 3-month
    MCLR
    7.95%
    G-Sec
    5.50%
    +245 bps
  2. 6-month
    MCLR
    8.15%
    G-Sec
    6.11%
    +205 bps
  3. 1-year
    MCLR
    8.30%
    G-Sec
    6.49%
    +181 bps
  4. 2-year
    MCLR
    8.40%
    G-Sec
    6.71%
    +169 bps
  5. 3-year
    MCLR
    8.55%
    G-Sec
    7.11%
    +144 bps

HDFC Bank MCLR · G-Sec from RBI curve · as of 16 October 2026

Recent revisions

How quickly this bank passes through changes.

  1. 7 October 2026

    MCLR · 3-year

    8.60% → 8.55%

    -5 bps
  2. 7 October 2026

    MCLR · 2-year

    8.45% → 8.40%

    -5 bps
  3. 7 October 2026

    MCLR · 1-year

    8.35% → 8.30%

    -5 bps
  4. 7 October 2026

    MCLR · 6-month

    8.25% → 8.15%

    -10 bps
  5. 7 October 2026

    MCLR · 3-month

    8.05% → 7.95%

    -10 bps
  6. 7 October 2026

    MCLR · 1-month

    7.90% → 7.75%

    -15 bps
  7. 7 October 2026

    MCLR · Overnight

    7.90% → 7.80%

    -10 bps
  8. 7 September 2026

    MCLR · 3-year

    8.65% → 8.60%

    -5 bps

Closest peers by EBLR

Three banks priced near this one.

No peer banks with EBLR data available.

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