IndusInd Bank
loan rates

Name: IndusInd Bank EBLR & MCLR
Creator: Capera

External benchmark

EBLR

7.75%

+225 bps over repo (5.50%)

Marginal cost

1-year MCLR

9.75%

Spread over benchmark: +225 bps

Live · updated 16 October 2026, IST

Your rate stack

What this bank charges, and what it pays back.

01 · RBI

Repo rate

5.50%

Where the bank funds itself overnight

02 · IndusInd Bank

EBLR

7.75%

+225 bps over repo

1Y MCLR

9.75%

+425 bps over repo

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

03 · IndusInd Bank

1Y FD (your deposit return)

6.75%

Gap to EBLR +100 bps · to MCLR +300 bps

See full FD slabs

IndusInd Bank's lending-deposit spread sits at +100 bps on EBLR-linked loans and +300 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.

7 tenors

Overnight

9.20

1-month

9.25

3-month

9.45

6-month

9.65

1-year

9.75

2-year

9.90

3-year

10.05

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

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

Compare the cost of a term loan from IndusInd 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