Bank Of Baroda has informed the Exchange about MCLR w.e.f 12.09.2025
BANKBARODA · price
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Bank of Baroda has informed the stock exchange about a revision in its Marginal Cost of Funds based Lending Rate (MCLR), with the new rates effective from September 12, 2025. MCLR is the internal benchmark rate used by banks to price most floating-rate loans, including home loans, personal loans, and corporate credit. The bank has not disclosed the specific revised rate or the direction of change (increase or decrease) in the headline. Such disclosures are a routine regulatory requirement for all scheduled commercial banks under RBI guidelines.
A change in MCLR directly affects loan pricing for borrowers — a hike would raise EMIs and borrowing costs, while a cut would lower them. For the bank, a higher MCLR can improve net interest margins if deposit costs lag, while a cut may pressure margins. Without the specific rate direction, the net impact on shareholders is unclear from this filing alone.