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 · Standard Chartered Bank
EBLR
—
External benchmark
1Y MCLR
9.05%
+380 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
7.60
%
1-month
8.25
%
3-month
8.50
%
6-month
8.70
%
1-year
9.05
%
2-year
9.10
%
3-year
9.20
%
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+330 bpsMCLR8.50%G-Sec5.20%
- 6-month+334 bpsMCLR8.70%G-Sec5.36%
- 1-year+342 bpsMCLR9.05%G-Sec5.63%
- 2-year+316 bpsMCLR9.10%G-Sec5.94%
- 3-year+301 bpsMCLR9.20%G-Sec6.19%
Standard Chartered Bank MCLR · G-Sec from RBI curve · as of 25 June 2026
Recent revisions
How quickly this bank passes through changes.
last 18 months
- 6 June 2026+5 bps
MCLR · 3-year
9.15% → 9.20%
- 6 June 2026+5 bps
MCLR · 2-year
9.05% → 9.10%
- 6 June 2026+5 bps
MCLR · 1-year
9.00% → 9.05%
- 6 June 2026-5 bps
MCLR · 1-month
8.30% → 8.25%
- 6 June 2026-5 bps
MCLR · Overnight
7.65% → 7.60%
Closest peers by EBLR
Three banks priced near this one.
No peer banks with EBLR data available.