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
5.25%
0 bps over repo
1Y MCLR
9.00%
+375 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
7.65
%
1-month
8.30
%
3-month
8.50
%
6-month
8.70
%
1-year
9.00
%
2-year
9.05
%
3-year
9.15
%
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+323 bpsMCLR8.50%G-Sec5.27%
- 6-month+326 bpsMCLR8.70%G-Sec5.44%
- 1-year+314 bpsMCLR9.00%G-Sec5.86%
- 2-year+282 bpsMCLR9.05%G-Sec6.23%
- 3-year+276 bpsMCLR9.15%G-Sec6.39%
Standard Chartered Bank MCLR · G-Sec from RBI curve · as of 11 May 2026
Closest peers by EBLR
