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
8.70%
+345 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
7.10
%
1-month
7.80
%
3-month
8.10
%
6-month
8.35
%
1-year
8.70
%
2-year
8.85
%
3-year
8.95
%
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+283 bpsMCLR8.10%G-Sec5.27%
- 6-month+285 bpsMCLR8.35%G-Sec5.50%
- 1-year+301 bpsMCLR8.70%G-Sec5.69%
- 2-year+271 bpsMCLR8.85%G-Sec6.14%
- 3-year+267 bpsMCLR8.95%G-Sec6.28%
Standard Chartered Bank MCLR · G-Sec from RBI curve · as of 24 August 2026
Recent revisions
How quickly this bank passes through changes.
last 18 months
- 7 August 2026-5 bps
MCLR · 3-year
9.00% → 8.95%
- 7 August 2026-5 bps
MCLR · 2-year
8.90% → 8.85%
- 7 August 2026-10 bps
MCLR · 1-year
8.80% → 8.70%
- 7 August 2026-10 bps
MCLR · 6-month
8.45% → 8.35%
- 7 August 2026-10 bps
MCLR · 3-month
8.20% → 8.10%
- 7 August 2026-15 bps
MCLR · 1-month
7.95% → 7.80%
- 7 August 2026-20 bps
MCLR · Overnight
7.30% → 7.10%
- 7 July 2026-20 bps
MCLR · 3-year
9.20% → 9.00%
Closest peers by EBLR
Three banks priced near this one.
No peer banks with EBLR data available.