{
 "meta": {
  "dossier": "rates",
  "source": "Reserve Bank of India (via the Data Bank)",
  "product": "rbirates",
  "base": "n/a",
  "frequency": "irregular",
  "unit": "pct",
  "vintage": "2026-10-08",
  "mock": false,
  "geo": "IND",
  "latestPeriod": "2026-06-01",
  "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 banks charge on outstanding loans by the borrower's occupation, from farms and factories to home loans, vehicle loans, education loans and credit cards",
  "note": "RBI, Quarterly BSR-1, Table 1.9 'Weighted average lending rate (WALR) of scheduled commercial banks according to occupation' (DBIE report 949). As at each reporting date (March, and later every quarter-end); dated on the first of that month. The BSR-1 return covers outstanding loans and is a different ruler from the monthly WALR release."
 },
 "dates": [
  "2014-03-01",
  "2014-12-01",
  "2015-03-01",
  "2015-06-01",
  "2015-09-01",
  "2015-12-01",
  "2016-03-01",
  "2016-06-01",
  "2016-09-01",
  "2016-12-01",
  "2017-03-01",
  "2017-06-01",
  "2017-09-01",
  "2017-12-01",
  "2018-03-01",
  "2018-06-01",
  "2018-09-01",
  "2018-12-01",
  "2019-03-01",
  "2019-06-01",
  "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": {
  "transport_operators": {
   "name": "walr_transport_operators_pct",
   "label": "WALR on outstanding loans: Transport operators",
   "color": "#A3A9B4",
   "data": [
    12.24,
    12.08,
    12.05,
    12.06,
    11.88,
    11.76,
    11.73,
    11.64,
    11.6,
    11.51068,
    11.271059,
    11.075765,
    10.846689,
    10.66534,
    10.518906,
    10.465943,
    10.512002,
    10.59793,
    10.689968,
    10.695501,
    10.856802,
    10.859534,
    10.740134,
    10.670201,
    10.45196,
    10.318474,
    10.069028,
    9.922106,
    9.765933,
    10.050393,
    9.579063,
    9.632832,
    9.863391,
    10.024207,
    10.167324,
    10.191077,
    10.248027,
    10.336059,
    10.390324,
    10.348306,
    10.286093,
    10.337026,
    10.43304,
    10.149101,
    10.182096,
    9.855581,
    9.796229,
    9.850409
   ],
   "unit": "pct_per_annum"
  },
  "all_others": {
   "name": "walr_all_others_pct",
   "label": "WALR on outstanding loans: All others",
   "color": "#A3A9B4",
   "data": [
    12.46,
    12.2,
    11.85,
    11.9,
    11.76,
    11.4,
    11.3,
    11.39,
    11.34,
    11.060081,
    11.055395,
    11.143377,
    11.186973,
    10.517189,
    10.367997,
    10.413056,
    10.402851,
    10.807914,
    10.765748,
    10.960692,
    11.151688,
    10.747289,
    10.550636,
    10.429015,
    10.049522,
    10.044004,
    9.909404,
    9.496722,
    9.300892,
    9.010297,
    8.914357,
    8.94398,
    9.181124,
    9.677388,
    9.987394,
    9.876638,
    9.832949,
    9.810095,
    9.889432,
    9.981199,
    9.597672,
    10.073176,
    10.200306,
    9.977226,
    9.752663,
    9.519795,
    9.500842,
    9.575893
   ],
   "unit": "pct_per_annum"
  },
  "agriculture": {
   "name": "walr_agriculture_pct",
   "label": "WALR on outstanding loans: Agriculture",
   "color": "#A3A9B4",
   "data": [
    11.03,
    10.62,
    10.66,
    10.59,
    10.54,
    10.45,
    10.51,
    10.49,
    10.53,
    10.478269,
    10.404279,
    10.310504,
    10.254548,
    10.104501,
    10.148975,
    10.138868,
    10.094818,
    10.140897,
    10.274103,
    10.394832,
    10.422356,
    10.381883,
    10.47311,
    10.227622,
    10.112131,
    9.891564,
    9.854665,
    9.803509,
    9.663306,
    9.848571,
    9.576383,
    9.528482,
    9.657026,
    9.832378,
    10.135245,
    10.280499,
    10.421939,
    10.44897,
    10.559586,
    10.596671,
    10.61691,
    10.599568,
    10.561067,
    10.440363,
    10.292144,
    10.213711,
    10.181385,
    10.084276
   ],
   "unit": "pct_per_annum"
  },
  "other_personal_loans": {
   "name": "walr_other_personal_loans_pct",
   "label": "WALR on outstanding loans: Other personal loans",
   "color": "#A3A9B4",
   "data": [
    12.877104,
    12.831128,
    12.888638,
    12.818819,
    12.760175,
    12.541126,
    12.485596,
    12.361999,
    12.351175,
    12.20485,
    11.751227,
    11.703247,
    11.539865,
    11.451554,
    11.323133,
    11.428919,
    11.444634,
    11.577336,
    11.96971,
    11.910879,
    11.801187,
    11.736284,
    11.692236,
    11.447128,
    11.185843,
    11.114833,
    10.923175,
    10.93616,
    10.766942,
    10.700944,
    10.541987,
    10.640857,
    10.806583,
    10.964528,
    11.073467,
    11.173293,
    11.214368,
    11.270201,
    11.41407,
    11.364224,
    11.416338,
    11.327829,
    11.243726,
    11.008541,
    10.845375,
    10.664784,
    10.547753,
    10.536288
   ],
   "unit": "pct_per_annum"
  },
  "total_credit": {
   "name": "walr_total_credit_pct",
   "label": "WALR on outstanding loans: Total credit",
   "color": "#2E4BD8",
   "data": [
    12.04,
    11.85,
    11.79,
    11.69,
    11.59,
    11.39,
    11.34,
    11.28,
    11.26,
    11.199729,
    10.885625,
    10.784675,
    10.620793,
    10.44185,
    10.346085,
    10.336534,
    10.32982,
    10.425374,
    10.455847,
    10.526528,
    10.548764,
    10.398522,
    10.226409,
    9.974336,
    9.761788,
    9.53472,
    9.319455,
    9.253083,
    9.153367,
    9.141063,
    8.901485,
    9.113556,
    9.445196,
    9.811715,
    10.07562,
    10.151804,
    10.155947,
    10.183116,
    10.17635,
    10.231798,
    10.199115,
    10.190314,
    10.103147,
    9.711125,
    9.55792,
    9.345556,
    9.27108,
    9.263862
   ],
   "unit": "pct_per_annum"
  },
  "total_credit_excluding_personal_credit_cards": {
   "name": "walr_total_credit_excluding_personal_credit_cards_pct",
   "label": "WALR on outstanding loans: Total credit excluding personal credit cards",
   "color": "#C47A16",
   "data": [
    11.917489,
    11.707988,
    11.650637,
    11.534079,
    11.434862,
    11.222418,
    11.166355,
    11.098335,
    11.080438,
    10.993485,
    10.671688,
    10.550354,
    10.400334,
    10.206721,
    10.102012,
    10.063912,
    10.059487,
    10.142914,
    10.17173,
    10.210679,
    10.221492,
    10.046408,
    9.887165,
    9.645919,
    9.406994,
    9.156603,
    8.956,
    8.881649,
    8.773876,
    8.742619,
    8.51708,
    8.709645,
    9.033992,
    9.391855,
    9.643498,
    9.718078,
    9.735568,
    9.75677,
    9.769555,
    9.770923,
    9.751483,
    9.749995,
    9.678169,
    9.287187,
    9.116805,
    8.950394,
    8.893102,
    8.886549
   ],
   "unit": "pct_per_annum"
  },
  "professional_and_other_services": {
   "name": "walr_professional_and_other_services_pct",
   "label": "WALR on outstanding loans: Professional and other services",
   "color": "#A3A9B4",
   "data": [
    12.69,
    12.5,
    12.4,
    12.3,
    12.06,
    11.8,
    11.74,
    11.66,
    11.69,
    11.508155,
    11.099258,
    10.955254,
    10.739838,
    10.544909,
    10.540591,
    10.374702,
    10.375518,
    10.4986,
    10.550368,
    10.633896,
    10.579238,
    10.533419,
    10.272528,
    10.113814,
    9.906848,
    9.621806,
    9.36361,
    9.313498,
    9.177053,
    9.095285,
    8.810761,
    9.018917,
    9.353916,
    9.717551,
    9.957594,
    10.004483,
    9.982625,
    9.978106,
    9.913093,
    9.947964,
    9.940426,
    9.935652,
    9.967047,
    9.478928,
    9.287379,
    9.093437,
    9.065298,
    9.057245
   ],
   "unit": "pct_per_annum"
  },
  "personal_credit_cards": {
   "name": "walr_personal_credit_cards_pct",
   "label": "WALR on outstanding loans: Personal credit cards",
   "color": "#C47A16",
   "data": [
    36.2,
    36.44,
    36.28,
    35.98,
    35.66,
    35.11,
    36.16,
    35.8,
    35.33,
    36.481297,
    36.437968,
    36.164549,
    34.376031,
    34.666625,
    35.486611,
    35.393635,
    35.220259,
    35.156762,
    35.747958,
    36.047993,
    35.946986,
    35.855513,
    35.930489,
    36.037223,
    36.625643,
    36.572178,
    36.411131,
    36.354399,
    36.537567,
    37.307608,
    36.345341,
    36.733833,
    36.984868,
    37.414884,
    38.732371,
    37.324366,
    37.783908,
    37.335883,
    36.877836,
    38.852246,
    37.315926,
    37.193891,
    37.637122,
    37.57021,
    37.508614,
    37.298546,
    37.009118,
    36.937704
   ],
   "unit": "pct_per_annum"
  },
  "industry": {
   "name": "walr_industry_pct",
   "label": "WALR on outstanding loans: Industry",
   "color": "#A3A9B4",
   "data": [
    12.26,
    12.07,
    12.02,
    11.96,
    11.83,
    11.6,
    11.54,
    11.44,
    11.42,
    11.34524,
    11.029092,
    10.924478,
    10.74475,
    10.559497,
    10.411931,
    10.329877,
    10.267726,
    10.257486,
    10.202017,
    10.192176,
    10.221182,
    9.944277,
    9.786744,
    9.569126,
    9.372702,
    9.074974,
    8.827693,
    8.681405,
    8.579908,
    8.50634,
    8.251024,
    8.440338,
    8.728066,
    9.104605,
    9.369666,
    9.460552,
    9.503448,
    9.522046,
    9.488071,
    9.460281,
    9.439786,
    9.45507,
    9.374453,
    8.932972,
    8.70174,
    8.565946,
    8.504213,
    8.492497
   ],
   "unit": "pct_per_annum"
  },
  "housing": {
   "name": "walr_housing_pct",
   "label": "WALR on outstanding loans: Housing",
   "color": "#A3A9B4",
   "data": [
    10.71,
    10.55,
    10.51,
    10.28,
    10.18,
    9.85,
    9.82,
    9.77,
    9.71,
    9.647917,
    9.446935,
    9.222512,
    9.060443,
    8.909792,
    8.803159,
    8.789833,
    8.85431,
    8.907544,
    8.955894,
    8.985584,
    8.923316,
    8.797731,
    8.616517,
    8.241429,
    7.924307,
    7.69799,
    7.574057,
    7.519801,
    7.452666,
    7.480768,
    7.337429,
    7.737685,
    8.221418,
    8.812289,
    9.080132,
    9.115119,
    9.084399,
    9.058901,
    9.004734,
    8.9804,
    8.947108,
    8.931004,
    8.728328,
    8.160046,
    8.028786,
    7.840062,
    7.779583,
    7.75391
   ],
   "unit": "pct_per_annum"
  },
  "consumer_durables": {
   "name": "walr_consumer_durables_pct",
   "label": "WALR on outstanding loans: Consumer durables",
   "color": "#A3A9B4",
   "data": [
    13.827492,
    13.539723,
    13.597966,
    13.312035,
    13.203558,
    13.007506,
    12.991243,
    12.778413,
    12.656826,
    12.613142,
    12.382453,
    12.019848,
    11.950765,
    11.017093,
    11.229766,
    11.0952,
    11.065323,
    12.00407,
    12.288075,
    13.049241,
    13.44847,
    12.066482,
    12.13212,
    10.980722,
    10.979146,
    12.623081,
    11.865175,
    13.431094,
    13.217124,
    13.717723,
    13.898488,
    13.836818,
    13.928443,
    13.566293,
    13.533479,
    13.689733,
    13.961082,
    14.221043,
    14.120655,
    13.976726,
    13.989951,
    14.225136,
    14.318789,
    14.803328,
    14.605214,
    14.532397,
    14.196968,
    14.42673
   ],
   "unit": "pct_per_annum"
  },
  "education": {
   "name": "walr_education_pct",
   "label": "WALR on outstanding loans: Education",
   "color": "#A3A9B4",
   "data": [
    12.972518,
    12.766483,
    12.750546,
    12.488706,
    12.355738,
    12.103379,
    12.061034,
    12.000716,
    11.91177,
    11.825185,
    11.712012,
    11.564215,
    11.404582,
    11.259247,
    11.124453,
    11.052805,
    11.028118,
    11.036343,
    11.001704,
    10.965154,
    10.867493,
    10.715614,
    10.559864,
    10.286894,
    10.011654,
    9.762231,
    9.574077,
    9.508145,
    9.391884,
    9.399356,
    9.194824,
    9.399199,
    9.697195,
    10.075666,
    10.350059,
    10.447362,
    10.536379,
    10.546052,
    10.537548,
    10.524473,
    10.520607,
    10.504593,
    10.317039,
    9.748719,
    9.628407,
    9.400819,
    9.323147,
    9.27405
   ],
   "unit": "pct_per_annum"
  },
  "personal_loans": {
   "name": "walr_personal_loans_pct",
   "label": "WALR on outstanding loans: Personal loans",
   "color": "#A3A9B4",
   "data": [
    12.35,
    12.22,
    12.17,
    11.99,
    11.93,
    11.69,
    11.67,
    11.62,
    11.55,
    11.58663,
    11.366698,
    11.180706,
    10.986368,
    10.912628,
    10.868074,
    10.955398,
    11.001008,
    11.173867,
    11.273212,
    11.40232,
    11.364182,
    11.31499,
    11.139452,
    10.783168,
    10.607298,
    10.487933,
    10.245487,
    10.213703,
    10.111959,
    10.177357,
    9.987877,
    10.300371,
    10.671437,
    11.077238,
    11.329885,
    11.39868,
    11.211314,
    11.229143,
    11.184462,
    11.318805,
    11.286039,
    11.234296,
    11.047707,
    10.615364,
    10.537314,
    10.245809,
    10.138903,
    10.129633
   ],
   "unit": "pct_per_annum"
  },
  "trade": {
   "name": "walr_trade_pct",
   "label": "WALR on outstanding loans: Trade",
   "color": "#A3A9B4",
   "data": [
    12.27,
    12.06,
    11.96,
    11.73,
    11.8,
    11.67,
    11.64,
    11.51,
    11.52,
    11.415115,
    10.867201,
    10.826309,
    10.725097,
    10.536841,
    10.419617,
    10.458508,
    10.558451,
    10.603795,
    10.548429,
    10.659517,
    10.740054,
    10.45337,
    10.267808,
    9.866358,
    9.60618,
    9.379084,
    9.165178,
    9.262489,
    9.19447,
    9.210941,
    8.938733,
    9.159435,
    9.661561,
    10.067248,
    10.274247,
    10.282479,
    10.364301,
    10.449629,
    10.469825,
    10.41341,
    10.397768,
    10.317064,
    10.209424,
    9.779299,
    9.653707,
    9.370832,
    9.315766,
    9.327418
   ],
   "unit": "pct_per_annum"
  },
  "finance": {
   "name": "walr_finance_pct",
   "label": "WALR on outstanding loans: Finance",
   "color": "#A3A9B4",
   "data": [
    10.81,
    10.66,
    10.65,
    10.47,
    10.36,
    10.1,
    10.05,
    10.03,
    9.92,
    9.758973,
    9.214897,
    9.144263,
    8.872815,
    8.677132,
    8.608765,
    8.655055,
    8.759324,
    9.065716,
    9.244153,
    9.208086,
    9.213985,
    9.002545,
    8.636491,
    8.458124,
    8.014511,
    7.590485,
    7.260222,
    7.11238,
    7.030362,
    6.833786,
    6.6345,
    6.997445,
    7.50765,
    7.948473,
    8.296565,
    8.363433,
    8.378842,
    8.378104,
    8.396847,
    8.41684,
    8.376003,
    8.326039,
    8.304656,
    7.747999,
    7.503728,
    7.362201,
    7.371507,
    7.438874
   ],
   "unit": "pct_per_annum"
  },
  "vehicles": {
   "name": "walr_vehicles_pct",
   "label": "WALR on outstanding loans: Vehicles",
   "color": "#A3A9B4",
   "data": [
    11.802753,
    11.478804,
    11.442932,
    11.237057,
    11.173154,
    10.958643,
    10.867509,
    10.801906,
    10.816362,
    10.758323,
    10.574766,
    10.142082,
    10.202265,
    10.021945,
    9.946788,
    9.930636,
    9.99341,
    10.231181,
    10.371367,
    10.468298,
    10.503276,
    10.444543,
    10.340585,
    10.278231,
    10.110842,
    9.861997,
    9.750605,
    9.703262,
    9.457618,
    9.351573,
    9.178872,
    9.248949,
    9.380607,
    9.57202,
    9.708521,
    9.84071,
    9.888546,
    9.877305,
    9.961101,
    10.031541,
    10.152191,
    10.154855,
    10.081743,
    9.926957,
    9.854286,
    9.762249,
    9.676168,
    9.647191
   ],
   "unit": "pct_per_annum"
  }
 }
}