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 · Standard Chartered Bank
EBLR
—
External benchmark
1Y MCLR
8.30%
+280 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 Standard Chartered Bank.
MCLR term structure
Rate by reset tenor.
7 tenors
Overnight
6.50
%
1-month
7.25
%
3-month
7.55
%
6-month
7.85
%
1-year
8.30
%
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
Standard Chartered Bank MCLR against same-tenor G-Sec yields.
Compare the cost of a term loan from Standard Chartered 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+205 bpsMCLR7.55%G-Sec5.50%
- 6-month+174 bpsMCLR7.85%G-Sec6.11%
- 1-year+181 bpsMCLR8.30%G-Sec6.49%
- 2-year+174 bpsMCLR8.45%G-Sec6.71%
- 3-year+144 bpsMCLR8.55%G-Sec7.11%
Standard Chartered Bank MCLR · G-Sec from RBI curve · as of 16 October 2026
Recent revisions
How quickly this bank passes through changes.
last 18 months
- 7 October 2026-10 bps
MCLR · 3-year
8.65% → 8.55%
- 7 October 2026-10 bps
MCLR · 2-year
8.55% → 8.45%
- 7 October 2026-15 bps
MCLR · 1-year
8.45% → 8.30%
- 7 October 2026-15 bps
MCLR · 6-month
8.00% → 7.85%
- 7 October 2026-20 bps
MCLR · 3-month
7.75% → 7.55%
- 7 October 2026-20 bps
MCLR · 1-month
7.45% → 7.25%
- 7 October 2026-25 bps
MCLR · Overnight
6.75% → 6.50%
- 7 September 2026-30 bps
MCLR · 3-year
8.95% → 8.65%
Closest peers by EBLR
Three banks priced near this one.
No peer banks with EBLR data available.