{
 "meta": {
  "dossier": "rates",
  "source": "Reserve Bank of India (via the Data Bank)",
  "product": "rbirates",
  "base": "n/a",
  "frequency": "quarterly",
  "unit": "pct",
  "vintage": "2026-09-30",
  "mock": false,
  "geo": "IND",
  "latestPeriod": "2026-06",
  "releaseDate": null,
  "revisionPolicy": "Policy rates and auction results are final when announced. The Handbook restates a few effective dates between editions (newest edition wins, differences listed in rates-policy meta). Lending and deposit rates: each monthly release repeats the full history; the newest release wins.",
  "coverage": "What floating-rate loans are priced on: shares of the external benchmark (mostly the repo rate), MCLR, base rate and older benchmarks, by bank group",
  "note": "RBI, Lending and Deposit Rates release, Table 7 (quarterly, per cent of outstanding floating-rate rupee loans at quarter-end; dated here on the first month of the quarter). External benchmark lending began in October 2019 for retail and small business loans."
 },
 "dates": [
  "2019-09-01",
  "2019-12-01",
  "2020-03-01",
  "2020-06-01",
  "2020-09-01",
  "2020-12-01",
  "2021-03-01",
  "2021-06-01",
  "2021-09-01",
  "2021-12-01",
  "2022-03-01",
  "2022-06-01",
  "2022-09-01",
  "2022-12-01",
  "2023-03-01",
  "2023-06-01",
  "2023-09-01",
  "2023-12-01",
  "2024-03-01",
  "2024-06-01",
  "2024-09-01",
  "2024-12-01",
  "2025-03-01",
  "2025-06-01",
  "2025-09-01",
  "2025-12-01",
  "2026-03-01",
  "2026-06-01"
 ],
 "series": {
  "all_eblr": {
   "name": "share_scb_eblr_pct",
   "label": "External benchmark (repo-linked and others): share of floating-rate rupee loans, all scheduled commercial banks",
   "color": "#2E4BD8",
   "data": [
    2.35,
    5.21,
    9.15,
    12.5,
    18.52,
    24.59,
    29.51,
    33.07,
    35.8,
    39.35,
    44.05,
    46.87,
    47.59,
    48.28,
    49.64,
    50.23,
    55.46,
    56.87,
    56.63,
    57.94,
    59.41,
    60.62,
    61.66,
    62.95,
    64.92,
    65.54,
    67.57,
    68.24
   ],
   "unit": "pct"
  },
  "all_mclr": {
   "name": "share_scb_mclr_pct",
   "label": "MCLR: share of floating-rate rupee loans, all scheduled commercial banks",
   "color": "#5F6675",
   "data": [
    82.77,
    81.21,
    78.26,
    75.41,
    70.27,
    65.41,
    62.32,
    58.93,
    56.49,
    53.59,
    48.65,
    46.51,
    46.46,
    46.1,
    45.4,
    44.77,
    40.07,
    38.82,
    39.18,
    38.18,
    36.89,
    35.93,
    34.94,
    33.83,
    32.23,
    31.99,
    30.18,
    29.57
   ],
   "unit": "pct"
  },
  "all_base_rate": {
   "name": "share_scb_base_rate_pct",
   "label": "Base rate: share of floating-rate rupee loans, all scheduled commercial banks",
   "color": "#C9CED6",
   "data": [
    12.33,
    11.05,
    10.29,
    9.87,
    9.02,
    8.05,
    6.39,
    6.16,
    5.88,
    5.41,
    4.84,
    4.35,
    3.81,
    3.43,
    3.05,
    2.88,
    2.54,
    2.37,
    2.16,
    1.82,
    1.68,
    1.56,
    1.43,
    1.25,
    1.17,
    0.94,
    0.82,
    0.75
   ],
   "unit": "pct"
  },
  "all_others": {
   "name": "share_scb_others_pct",
   "label": "Others (BPLR and older): share of floating-rate rupee loans, all scheduled commercial banks",
   "color": "#C9CED6",
   "data": [
    2.55,
    2.53,
    2.3,
    2.22,
    2.19,
    1.95,
    1.78,
    1.84,
    1.83,
    1.65,
    2.46,
    2.27,
    2.14,
    2.19,
    1.91,
    2.12,
    1.93,
    1.94,
    2.03,
    2.06,
    2.02,
    1.89,
    1.97,
    1.97,
    1.68,
    1.53,
    1.43,
    1.44
   ],
   "unit": "pct"
  },
  "public_eblr": {
   "name": "share_public_sector_eblr_pct",
   "label": "External benchmark (repo-linked and others): share of floating-rate rupee loans, public sector banks",
   "color": "#2E4BD8",
   "data": [
    0.41,
    2.19,
    4.85,
    7.66,
    12.56,
    16.88,
    20.4,
    23.42,
    25.47,
    28.85,
    33.3,
    36.24,
    35.48,
    35.21,
    36.17,
    36.11,
    37.37,
    38.54,
    39.67,
    40.85,
    42.99,
    44.55,
    45.93,
    47.19,
    49.89,
    50.59,
    52.98,
    53.62
   ],
   "unit": "pct"
  },
  "public_mclr": {
   "name": "share_public_sector_mclr_pct",
   "label": "MCLR: share of floating-rate rupee loans, public sector banks",
   "color": "#5F6675",
   "data": [
    81.58,
    81.56,
    79.92,
    77.72,
    73.68,
    70.61,
    69.11,
    66.08,
    64.48,
    61.86,
    57.68,
    55.62,
    57.04,
    57.81,
    57.36,
    57.18,
    56.21,
    55.26,
    54.56,
    53.78,
    51.9,
    50.59,
    49.35,
    48.28,
    46.18,
    45.92,
    43.77,
    43.16
   ],
   "unit": "pct"
  },
  "public_base_rate": {
   "name": "share_public_sector_base_rate_pct",
   "label": "Base rate: share of floating-rate rupee loans, public sector banks",
   "color": "#C9CED6",
   "data": [
    14.38,
    12.66,
    11.96,
    11.48,
    10.63,
    9.7,
    7.84,
    7.72,
    7.28,
    6.78,
    6.12,
    5.45,
    4.79,
    4.27,
    4.07,
    3.78,
    3.61,
    3.38,
    2.92,
    2.42,
    2.22,
    2.05,
    1.82,
    1.6,
    1.47,
    1.31,
    1.19,
    1.1
   ],
   "unit": "pct"
  },
  "public_others": {
   "name": "share_public_sector_others_pct",
   "label": "Others (BPLR and older): share of floating-rate rupee loans, public sector banks",
   "color": "#C9CED6",
   "data": [
    3.63,
    3.59,
    3.27,
    3.14,
    3.13,
    2.81,
    2.65,
    2.78,
    2.77,
    2.51,
    2.9,
    2.69,
    2.69,
    2.71,
    2.4,
    2.93,
    2.81,
    2.82,
    2.85,
    2.95,
    2.89,
    2.81,
    2.9,
    2.93,
    2.46,
    2.18,
    2.06,
    2.12
   ],
   "unit": "pct"
  },
  "private_eblr": {
   "name": "share_private_sector_eblr_pct",
   "label": "External benchmark (repo-linked and others): share of floating-rate rupee loans, private banks",
   "color": "#2E4BD8",
   "data": [
    4.65,
    10.01,
    16.66,
    21.37,
    29.29,
    38.98,
    45.26,
    49.51,
    53,
    56.96,
    61.85,
    64.54,
    67.56,
    70.47,
    72.86,
    73.17,
    80.26,
    82.25,
    83.18,
    84.2,
    84.89,
    85.92,
    86.77,
    87.89,
    88.57,
    89.6,
    90.53,
    90.75
   ],
   "unit": "pct"
  },
  "private_mclr": {
   "name": "share_private_sector_mclr_pct",
   "label": "MCLR: share of floating-rate rupee loans, private banks",
   "color": "#5F6675",
   "data": [
    86.65,
    81.99,
    76.25,
    71.84,
    64.75,
    56.14,
    50.91,
    46.98,
    43.39,
    39.87,
    33.72,
    31.4,
    29.16,
    26.26,
    24.85,
    24.7,
    18.01,
    16.03,
    15.09,
    14.17,
    13.56,
    12.85,
    11.93,
    10.94,
    10.25,
    9.6,
    8.8,
    8.66
   ],
   "unit": "pct"
  },
  "private_base_rate": {
   "name": "share_private_sector_base_rate_pct",
   "label": "Base rate: share of floating-rate rupee loans, private banks",
   "color": "#C9CED6",
   "data": [
    8.33,
    7.68,
    6.84,
    6.54,
    5.77,
    4.71,
    3.68,
    3.38,
    3.47,
    3.05,
    2.72,
    2.5,
    2.23,
    2.05,
    1.29,
    1.43,
    1.1,
    1,
    1,
    0.94,
    0.89,
    0.84,
    0.86,
    0.74,
    0.73,
    0.36,
    0.25,
    0.23
   ],
   "unit": "pct"
  },
  "private_others": {
   "name": "share_private_sector_others_pct",
   "label": "Others (BPLR and older): share of floating-rate rupee loans, private banks",
   "color": "#C9CED6",
   "data": [
    0.37,
    0.32,
    0.25,
    0.25,
    0.19,
    0.17,
    0.15,
    0.13,
    0.14,
    0.12,
    1.71,
    1.56,
    1.05,
    1.22,
    1,
    0.7,
    0.63,
    0.72,
    0.73,
    0.69,
    0.66,
    0.39,
    0.44,
    0.43,
    0.45,
    0.44,
    0.42,
    0.36
   ],
   "unit": "pct"
  },
  "foreign_eblr": {
   "name": "share_foreign_eblr_pct",
   "label": "External benchmark (repo-linked and others): share of floating-rate rupee loans, foreign banks",
   "color": "#2E4BD8",
   "data": [
    25.69,
    29.48,
    37.86,
    42.17,
    53.55,
    58.98,
    66.55,
    63.73,
    71.57,
    73.34,
    75.81,
    80.04,
    78.68,
    81.4,
    84.56,
    87.58,
    88.91,
    88.85,
    90.57,
    90.84,
    91.35,
    92.16,
    93.28,
    93.55,
    93.92,
    94,
    94.37,
    94.67
   ],
   "unit": "pct"
  },
  "foreign_mclr": {
   "name": "share_foreign_mclr_pct",
   "label": "MCLR: share of floating-rate rupee loans, foreign banks",
   "color": "#5F6675",
   "data": [
    67.27,
    61.99,
    56.71,
    53.17,
    42.25,
    36.83,
    30.65,
    33.5,
    26.32,
    24.85,
    21.65,
    17.67,
    17.45,
    15.82,
    13.85,
    11.2,
    9.55,
    10.39,
    8.66,
    8.39,
    7.92,
    7.01,
    5.92,
    5.77,
    5.64,
    5.32,
    5.05,
    4.79
   ],
   "unit": "pct"
  },
  "foreign_base_rate": {
   "name": "share_foreign_base_rate_pct",
   "label": "Base rate: share of floating-rate rupee loans, foreign banks",
   "color": "#C9CED6",
   "data": [
    6.78,
    8.29,
    5.22,
    4.46,
    4.01,
    4.02,
    2.66,
    2.65,
    2.01,
    1.73,
    1.19,
    1,
    0.92,
    0.8,
    0.36,
    0.19,
    0.17,
    0.16,
    0.13,
    0.11,
    0.1,
    0.1,
    0.08,
    0.07,
    0.06,
    0.06,
    0.05,
    0.04
   ],
   "unit": "pct"
  },
  "foreign_others": {
   "name": "share_foreign_others_pct",
   "label": "Others (BPLR and older): share of floating-rate rupee loans, foreign banks",
   "color": "#C9CED6",
   "data": [
    0.26,
    0.24,
    0.21,
    0.2,
    0.19,
    0.17,
    0.14,
    0.12,
    0.1,
    0.08,
    1.35,
    1.29,
    2.95,
    1.98,
    1.23,
    1.03,
    1.37,
    0.6,
    0.64,
    0.66,
    0.63,
    0.73,
    0.72,
    0.61,
    0.38,
    0.62,
    0.53,
    0.5
   ],
   "unit": "pct"
  }
 }
}