News ArticleIndian Bank Raises MCLR and TBLR Rates From November 3, 2026
Base Rate, BPLR, Policy Repo Rate and RBLR Remain Unchanged as per Latest BSE Filing
Indian Bank has revised its Marginal Cost of Funds based Lending Rate (MCLR) and Treasury Bills Linked Lending Rates (TBLR) effective from November 3, 2026. The rates for various tenors including overnight, 1 month, 3 months, 6 months, and 1 year have been increased, while Base Rate, Benchmark Prime Lending Rate (BPLR), Policy Repo Rate, and Repo Linked Benchmark Lending Rates remain unchanged.
Indian Bank
General / Other
Indian Bank has increased its Marginal Cost of Funds based Lending Rate (MCLR) and Treasury Bills Linked Lending Rates (TBLR) across multiple tenors effective November 3, 2026, as disclosed in its recent filing with BSE and NSE.
The Asset Liability Management Committee (ALCO) of Indian Bank reviewed and revised MCLR and TBLR rates as per SEBI regulations.
MCLR rates were increased by 0.10% across all tenors: from 7.90% to 8.00% for overnight, 8.20% to 8.30% for 1 month, 8.50% to 8.60% for 3 months, 8.75% to 8.85% for 6 months, and 8.85% to 8.95% for 1 year tenors.
TBLR also saw increases, with the shortest tenor <=3 months rising from 5.30% to 5.65%, >3 months to <=6 months from 5.65% to 6.10%, >6 months to <=1 year from 5.95% to 6.35%, and >1 year to <=3 years from 5.95% to 6.35%.
The Base Rate remains at 9.55% and the Benchmark Prime Lending Rate (BPLR) at 13.80%. Similarly, Policy Repo Rate and Repo Linked Benchmark Lending Rates (RBLR) remain steady at 5.50% and 8.20%, respectively.
Highlights
- MCLR revised rates effective from November 3, 2026, with increases of 0.10% for all tenors.
- TBLR rates increased up to 0.45% for various tenors effective November 3, 2026.
- Base Rate held steady at 9.55%, BPLR at 13.80%, Policy Repo Rate at 5.50%, and RBLR at 8.20%.
- The revision follows the review by Indian Bank's Asset Liability Management Committee under SEBI regulations.
Key Data Snapshot
What happened
- Indian Bank revised its Marginal Cost of Funds based Lending Rate (MCLR) and Treasury Bills Linked Lending Rates (TBLR).
- The increases apply to all specified tenors for MCLR and several maturity brackets for TBLR.
- The revision is effective from November 3, 2026.
Key details
- MCLR Overnight rate increased from 7.90% to 8.00%.
- MCLR 1 Month rate increased from 8.20% to 8.30%.
- MCLR 3 Months rate increased from 8.50% to 8.60%.
- MCLR 6 Months rate increased from 8.75% to 8.85%.
- MCLR 1 Year rate increased from 8.85% to 8.95%.
- TBLR rates for tenors ranging from <=3 months to <=3 years increased between 0.35% and 0.45%.
- Base Rate remains at 9.55%, and Benchmark Prime Lending Rate at 13.80%.
- Policy Repo Rate and Repo Linked Benchmark Lending Rates remain unchanged at 5.50% and 8.20%, respectively.
Regulatory and governance context
- The rate revisions were made following a review by the Asset Liability Management Committee (ALCO) of Indian Bank.
- The revision complies with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.
Highlights
- MCLR revised rates effective from November 3, 2026, with increases of 0.10% for all tenors.
- TBLR rates increased up to 0.45% for various tenors effective November 3, 2026.
- Base Rate held steady at 9.55%, BPLR at 13.80%, Policy Repo Rate at 5.50%, and RBLR at 8.20%.
- The revision follows the review by Indian Bank's Asset Liability Management Committee under SEBI regulations.
Disclosures
- SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
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