Your rate stack
What this bank charges, and what it pays back.
01 · RBI
Repo rate
5.25%
Where the bank funds itself overnight
02 · Kotak Mahindra Bank
EBLR
7.60%
+235 bps over repo
1Y MCLR
8.40%
+315 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 Kotak Mahindra Bank.
MCLR term structure
Rate by reset tenor.
7 tenors
Overnight
7.50
%
1-month
7.85
%
3-month
8.35
%
6-month
8.40
%
1-year
8.40
%
2-year
8.45
%
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
Kotak Mahindra Bank MCLR against same-tenor G-Sec yields.
Compare the cost of a term loan from Kotak Mahindra 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.
- 3-month+308 bpsMCLR8.35%G-Sec5.27%
- 6-month+296 bpsMCLR8.40%G-Sec5.44%
- 1-year+254 bpsMCLR8.40%G-Sec5.86%
- 2-year+222 bpsMCLR8.45%G-Sec6.23%
- 3-year+216 bpsMCLR8.55%G-Sec6.39%
Kotak Mahindra Bank MCLR · G-Sec from RBI curve · as of 11 May 2026
Closest peers by EBLR
