Capera
Foreign

Foreign · RBI Repo Rate

HSBC Bank
loan rates

External benchmark

EBLR

—%

Marginal cost

1-year MCLR

8.30%

Live · updated 25 June 2026, IST·Last revised 1 June 2026

Your rate stack

What this bank charges, and what it pays back.

01 · RBI

5.25%

Where the bank funds itself overnight

02 · HSBC Bank

—

External benchmark

8.30%

+305 bps over repo

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

03 · Deposits

FD coverage

—

We don't yet track FD rates for HSBC Bank.

MCLR term structure

Rate by reset tenor.

Overnight

7.85

%

1-month

8.00

%

3-month

8.15

%

6-month

8.25

%

1-year

8.30

%

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

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

Compare the cost of a term loan from HSBC 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
    8.15%
    G-Sec
    5.20%
    +295 bps
  2. 6-month
    MCLR
    8.25%
    G-Sec
    5.36%
    +289 bps
  3. 1-year
    MCLR
    8.30%
    G-Sec
    5.63%
    +267 bps

HSBC Bank MCLR · G-Sec from RBI curve · as of 25 June 2026

Recent revisions

How quickly this bank passes through changes.

  1. 1 June 2026

    MCLR · 1-year

    8.40% → 8.30%

    -10 bps
  2. 1 June 2026

    MCLR · 6-month

    8.35% → 8.25%

    -10 bps
  3. 1 June 2026

    MCLR · 3-month

    8.25% → 8.15%

    -10 bps
  4. 1 June 2026

    MCLR · 1-month

    8.10% → 8.00%

    -10 bps
  5. 1 June 2026

    MCLR · Overnight

    7.95% → 7.85%

    -10 bps

Closest peers by EBLR

Three banks priced near this one.

No peer banks with EBLR data available.

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