State Bank of India has announced reductions across both its External Benchmark Lending Rate (EBLR) and Repo Linked Lending Rate (RLLR), effective December 15, 2025. SBI’s EBLR has been lowered from 8.15% plus Credit Risk Premium (CRP) and Bank Spread (BSP) to 7.90% plus CRP and BSP, reflecting a 25-basis-point cut in the benchmark component.Similarly, SBI’s RLLR, which is directly tied to the RBI’s repo rate, has been reduced from 7.75% plus CRP to 7.50% plus CRP. The final interest rate for borrowers will ...

印度国家银行全面下调贷款利率 - 印度国家银行宣布全面下调其各类贷款基准利率 旨在降低零售和企业客户的借贷成本与月供 [2][3] - 此次利率调整是对印度储备银行上周下调政策回购利率25个基点的响应 多家主要银行已开始将降息传导至借款人 [3] 边际资金成本贷款利率调整详情 - 隔夜及一个月期MCLR从7.90%下调至7.85% [4] - 三个月期MCLR从8.30%下调至8.25% [4] - 六个月期MCLR从8.65%下调至8.60% [4] - 一年期MCLR从8.75%下调至8.70% 该期限利率广泛用于零售贷款 [4] - 两年期MCLR从8.80%下调至8.75% [4] - 三年期MCLR从8.85%下调至8.80% [4] 外部基准与回购关联贷款利率调整 - 外部基准贷款利率基准部分从8.15%下调25个基点至7.90% 最终利率取决于借款人的信用风险溢价和银行利差 [2][3] - 回购关联贷款利率基准部分从7.75%下调25个基点至7.50% 最终利率取决于信用风险溢价 [2][3] - 与EBLR和RLLR挂钩的贷款借款人的利率和月供将根据其贷款条件和风险类别下降 [2][3] 其他基准利率调整 - 基准最优惠利率修订为年利率14.65% [2][3] - 基础利率下调至9.90% 自2025年12月15日起生效 [2][3] 宏观经济与政策背景 - 印度储备银行在卢比贬值后下调利率 并提升流动性 [2] - 印度储备银行将印度GDP增长预测上调至7.3% [2]

The country's largest lender State Bank of India (SBI) has reduced its lending rate by 25 basis points, following the Reserve Bank's policy rate cut, making loans cheaper for existing and new borrowers.With the latest round of reduction, the External Benchmark Linked Rate (EBLR) of SBI will come down by 25 basis points to 7.90%.The revised rates come into effect from December 15, 2025, SBI said in a statement.The rate reduction is in response to last week's RBI's decision to slash the key interest rate by 2 ...