Punjab National Bank has informed the Exchange about General Updates
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Punjab National Bank has informed the exchanges that its Marginal Cost of Funds Based Lending Rates (MCLR) across all tenors remain unchanged with effect from 01.10.2025. The overnight MCLR stays at 8.00%, three-month at 8.25%, six-month at 8.45%, one-year at 8.65%, and three-year at 8.80% (with a top long-tenor rate of 9.10%). The Repo Linked Lending Rate (RLLR) also remains unchanged at 8.35% (including a BSP of 0.10%), and the Base Rate continues at 9.50%. In short, there is no revision in any of the bank's lending benchmark rates for October 2025. The communication was signed by Company Secretary Bikramjit Shom on 30.09.2025.
No change in lending rates means existing borrowers on MCLR or RLLR linked loans will see no revision in their interest costs or EMIs for October. For shareholders, this signals rate stability but does not alter earnings outlook; deposit growth and net interest margins remain the key drivers to watch.