Capera
PSU

Public Sector · RBI Repo Rate

Indian Overseas Bank
loan rates

External benchmark

EBLR

8.10%

+285 bps over repo (5.25%)

Marginal cost

1-year MCLR

8.80%

Spread over benchmark: +285 bps

Live · updated 25 June 2026, IST

Your rate stack

What this bank charges, and what it pays back.

01 · RBI

5.25%

Where the bank funds itself overnight

02 · Indian Overseas Bank

8.10%

+285 bps over repo

8.80%

+355 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 Indian Overseas Bank.

MCLR term structure

Rate by reset tenor.

Overnight

7.90

%

1-month

8.25

%

3-month

8.40

%

6-month

8.65

%

1-year

8.80

%

2-year

8.80

%

3-year

8.85

%

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

Indian Overseas Bank MCLR against same-tenor G-Sec yields.

Compare the cost of a term loan from Indian Overseas 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
    8.40%
    G-Sec
    5.20%
    +320 bps
  2. 6-month
    MCLR
    8.65%
    G-Sec
    5.36%
    +329 bps
  3. 1-year
    MCLR
    8.80%
    G-Sec
    5.63%
    +317 bps
  4. 2-year
    MCLR
    8.80%
    G-Sec
    5.94%
    +286 bps
  5. 3-year
    MCLR
    8.85%
    G-Sec
    6.19%
    +266 bps

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

Recent revisions

How quickly this bank passes through changes.

  1. 15 June 2026

    MCLR · 2-year

    8.75% → 8.80%

    +5 bps
  2. 15 June 2026

    MCLR · 1-year

    8.75% → 8.80%

    +5 bps
  3. 15 June 2026

    MCLR · 1-month

    8.20% → 8.25%

    +5 bps