Capera
Pvt

Private · RBI Repo Rate

IDFC First Bank
loan rates

External benchmark

EBLR

—%

Marginal cost

1-year MCLR

10.05%

Live · updated 24 August 2026, IST·Last revised 8 August 2026

Your rate stack

What this bank charges, and what it pays back.

01 · RBI

5.25%

Where the bank funds itself overnight

02 · IDFC First Bank

—

External benchmark

10.05%

+480 bps over repo

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

03 · IDFC First Bank

1Y FD (your deposit return)

6.50%

Gap to EBLR 0 bps · to MCLR +355 bps

See full FD slabs

IDFC First Bank's lending-deposit spread sits at 0 bps on EBLR-linked loans and +355 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

9.25

%

1-month

9.25

%

3-month

9.65

%

6-month

9.85

%

1-year

10.05

%

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

IDFC First Bank MCLR against same-tenor G-Sec yields.

Compare the cost of a term loan from IDFC First 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
    9.65%
    G-Sec
    5.27%
    +438 bps
  2. 6-month
    MCLR
    9.85%
    G-Sec
    5.58%
    +427 bps
  3. 1-year
    MCLR
    10.05%
    G-Sec
    5.70%
    +435 bps

IDFC First Bank MCLR · G-Sec from RBI curve · as of 24 August 2026

Recent revisions

How quickly this bank passes through changes.

  1. 8 August 2026

    MCLR · 1-year

    10.00% → 10.05%

    +5 bps
  2. 8 August 2026

    MCLR · 3-month

    9.60% → 9.65%

    +5 bps
  3. 8 August 2026

    MCLR · 1-month

    9.30% → 9.25%

    -5 bps
  4. 8 August 2026

    MCLR · Overnight

    9.30% → 9.25%

    -5 bps
  5. 8 July 2026

    MCLR · 1-year

    10.10% → 10.00%

    -10 bps
  6. 8 July 2026

    MCLR · 6-month

    9.90% → 9.85%

    -5 bps
  7. 8 July 2026

    MCLR · 3-month

    9.70% → 9.60%

    -10 bps
  8. 8 July 2026

    MCLR · 1-month

    9.40% → 9.30%

    -10 bps

Closest peers by EBLR

Three banks priced near this one.

No peer banks with EBLR data available.

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