Repo Rate data was reported at 5.500 % pa in 02 Dec 2025. This stayed constant from the previous number of 5.500 % pa for 01 Dec 2025. Repo Rate data is updated daily, averaging 4.000 % pa from Apr 2001 (Median) to 02 Dec 2025, with 8986 observations. The data reached an all-time high of 6.750 % pa in 04 Apr 2016 and a record low of 4.000 % pa in 03 May 2022. Repo Rate data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under High Frequency Database’s Lending Rates – Table IN.MB: Bank Interest Rate. [COVID-19-IMPACT]

The benchmark interest rate in India was last recorded at 5.50 percent. This dataset provides - India Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Central Bank Rates: Total for India (IRSTCB01INA156N) from 1968 to 2023 about overnight, India, interest rate, banks, depository institutions, interest, and rate.

RBI Operations: Marginal Standing Facility: Rate data was reported at 5.750 % pa in 02 Dec 2025. This stayed constant from the previous number of 5.750 % pa for 01 Dec 2025. RBI Operations: Marginal Standing Facility: Rate data is updated daily, averaging 4.250 % pa from May 2011 (Median) to 02 Dec 2025, with 5322 observations. The data reached an all-time high of 7.750 % pa in 04 Apr 2016 and a record low of 4.250 % pa in 03 May 2022. RBI Operations: Marginal Standing Facility: Rate data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under High Frequency Database’s Monetary – Table IN.MB: Bank Interest Rate. [COVID-19-IMPACT]

In June 2025, the repo rate set by Reserve Bank of India stood at *** percent. In May 2022, the repo rate was *** percent, after which it spiked continuously until 2025. The repo rate is defined as the rate at which the central bank of a country, in this case the Reserve Bank of India (RBI), lends money to commercial banks in case of lack of funds.

Key information about India Long Term Interest Rate

• India Government Securities Yield: 10 Years was reported at 6.63 % pa in Oct 2025, compared with 6.64 % pa in the previous month.
• India Long Term Interest Rate data is updated monthly, available from May 1996 to Oct 2025.
• The data reached an all-time high of 13.96 % pa in May 1996 and a record low of 5.11 % pa in Oct 2003.
• Long Term Interest Rate is reported by reported by Reserve Bank of India.

• In the latest reports, India Short Term Interest Rate: Month End: India: MIBOR: 3 Months was reported at 6.12 % pa in Oct 2025.
• The cash rate (Policy Rate: Month End: Repo Rate) was set at 5.50 % pa in Nov 2025.
• India Exchange Rate against USD averaged 88.37 (USD/INR) in Oct 2025.

Repo Rate data was reported at 5.500 % pa in 03 Dec 2025. This stayed constant from the previous number of 5.500 % pa for 02 Dec 2025. Repo Rate data is updated daily, averaging 4.000 % pa from Apr 2001 (Median) to 03 Dec 2025, with 8987 observations. The data reached an all-time high of 6.750 % pa in 04 Apr 2016 and a record low of 4.000 % pa in 03 May 2022. Repo Rate data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under High Frequency Database’s Lending Rates – Table IN.MB: Bank Interest Rate. [COVID-19-IMPACT]

Real interest rate (%) in India was reported at 2.5213 % in 2022, according to the World Bank collection of development indicators, compiled from officially recognized sources. India - Real interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on October of 2025.

The dataset shows structure of interest rates

Note: 1. For the year 1995-96, interest rate on deposits of maturity above 3 years, and from 1996-97 onwards, interest rates on deposit for all the maturities refer to the deposit rates of 5 major public sector banks as at end-March. 2. From 1994-95 onwards, data on minimum general key lending rates prescribed by RBI refers to the prime lending rates of 5 major public sector banks. 3. For 2011-12, data on deposit rates and Base rates of 5 major public sector banks refer to the period up to July 31, 2010. From July 1, 2010 BPLR System is replaced by Base Rate System. Accordingly the data reflects the Base Rate of five major public sector banks. Data for 2010-11 for Call/Notice Money rates are average of April-July 2010. 4. Data for dividend rate and yield rate for units of UTI are based on data received from Unit Trust of India. 5. Data on annual(gross) redemption yield of Government of India securities are based on redemption yield which is computed from 2000-01 as the mean of the daily weighted average yield of the transactions in each traded security. The weight is calculated as the share of the transaction in a given security in the aggregated value. 6. Data on prime lending rates for IDBI, IFCI and ICICI for the year 1999-00 relates to long-term prime lending rates in January 2000. 7. Data on prime lending rates for State Financial Corporation for all the years and for other term lending institutions from 2002-03 onwards relate to long-term (over 36-month) PLR. 8. Data on prime lending rate of IIBI/ IRBI from 2003-04 onwards relate to single PLR effective July 31, 2003. 9. IDBI ceased to be term lending institution on its conversion into a banking entity effective October 11, 2004. 10. ICICI ceased to be a term-lending institution after its merger with ICICI Bank. 11. Figures in brackets indicate lending rate charged to small-scale industries. 12. IFCI has become a non-bank financial company. 13. IIBI is in the process of voluntary winding up. 14. Figures for 2015-16 are as on July 14, 2015. 15. 2024-25 data : As on September 1, 2024; except for WALRs, WADTDR and 1-year median MCLR (July 2023). 16. * : Data on deposit and lending rates relate to five major Public Sector Banks up to 2003-04. While for the subsequent years, they relate to five major banks. 17. # : Savings deposit rate from 2011-12 onwards relates to balance up to 1 lakh. Savings deposit rate was deregulated with effect from October 25, 2011. 18. $ : Data on Weighted Average Lending Rates (WALRs), weighted Average Domestic Term Deposit Rate (WADTDR) and 1-year median marginal cost of funds-based lending rate (MCLR) pertain to all scheduled commercial banks (excluding RRBs and SFBs). 19. Data on lending rates in column (7) relate to Benchmark Prime Lending Rate (BPLR) for the period 2004-05 to 2009-10; Base Rate for 2010-11 to 2015-16 and Marginal Cost of Funds Based Lending Rate (MCLR) (overnight) for 2016-17 onwards. BPLR system was replaced by the Base Rate System from July 1, 2010, which, in turn, was replaced by the MCLR System effective April 1, 2016.

Monthly and long-term India Interest Rate data: historical series and analyst forecasts curated by FocusEconomics.

View monthly updates and historical trends for India Long-Term Interest Rates. Source: Organisation for Economic Co-operation and Development. Track econo…

This dataset provides the latest Bank Rate of India, as published by the Reserve Bank of India (RBI), along with historical bank rate trends.

India Reverse Repo Rate: Monthly data was reported at 3.350 % pa in Nov 2025. This stayed constant from the previous number of 3.350 % pa for Oct 2025. India Reverse Repo Rate: Monthly data is updated monthly, averaging 6.250 % pa from Apr 2001 (Median) to Nov 2025, with 296 observations. The data reached an all-time high of 7.500 % pa in Mar 2012 and a record low of 3.250 % pa in Feb 2010. India Reverse Repo Rate: Monthly data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under Global Database’s India – Table IN.MB: Bank Interest Rate.

The dataset contains year- and month-wise compiled data on policy rates fixed by Reserve Bank of India (RBI) for various financial policy and securities. These include data relating to Policy Repo Rate, Reverse Repo Rate, Marginal Standing Facility (MSF) Rate, Bank Rate, Base Rate, MCLR (Overnight), Term Deposit Rate greater than Year, Savings Deposit Rate, Call Money Rate (Weighted Average), 91, 182, 654-Day Treasury Bill (Primary) Yield, 10-Year G-Sec Par Yield (FBIL), etc.

Notes:

1. Repo rate is the rate at which the RBI lends money to commercial banks in the event of any shortfall of funds
2. Reverse Repo rate is the rate at which the RBI borrows money from commercial banks in the event of any shortfall of funds
3. Standing Deposit Facility is an overnight deposit facility that allows banks to park excess liquidity (money) and earn interest
4. Marginal Standing Facility rate is the interest rate at which RBI provides money to the scheduled commercial banks who are facing acute shortage of liquidity
5. The call money rate is the benchmark interest rate that banks charge brokers who are borrowing the money to fund margin loans. The call money rate, also known as the broker loan rate, typically isn't available to individuals, instead, investors pay the call money rate plus a service fee on a margin account.
6. Treasury bills or T-bills, which are money market instruments, are short term debt instruments issued by the Government of India and are presently issued in three tenors, namely, 91 days, 182 days and 364 days.
7. Government Securities (G-sec_ yield is a method to evaluate the broader trend of interest rates in the economy
8. Marginal Cost of Funds-based Lending Rate (MCLR) is the minimum rate at which a bank can lend to its customers on certain loans

India: Real interest rate: Bank lending rate minus inflation: The latest value from 2022 is 2.52 percent, an increase from 0.32 percent in 2021. In comparison, the world average is -0.41 percent, based on data from 94 countries. Historically, the average for India from 1978 to 2022 is 5.65 percent. The minimum value, -1.98 percent, was reached in 2010 while the maximum of 10.77 percent was recorded in 1978.

In the year 2022, lending interest rate in India stood at *** percent. This was a slight reduction from last year's rate of *** percent. Lending rate refers to the bank rate that generally caters to the short- and medium- term financing needs of the private sector.

As of March 2025, ICICI Bank provided the lowest interest rates for its home loans in India, with an average of **** percent. Bank of Maharashtra accounted for the highest interest rate with an average of **** percent.

Key information about India Policy Rate

• India cash rate (Policy Rate: Month End: Repo Rate) was set at 5.50 % pa in Nov 2025, compared with 5.50 % pa in the previous Oct 2025.
• India Policy Rate averaged 7.25 % pa and is updated monthly, available from Apr 2001 to Nov 2025.
• The data reached an all-time high of 9.00 % pa in Sep 2008 and a record low of 4.00 % pa in Apr 2022.

• In the latest reports, India Short Term Interest Rate: Month End: India: MIBOR: 3 Months was reported at 6.12 % pa in Oct 2025.
• Its Long Term Interest Rate (Government Securities Yield: 10 Years) was reported at 6.63 % pa in Oct 2025.
• India Exchange Rate against USD averaged 88.37 (USD/INR) in Oct 2025.
• Its Real Effective Exchange Rate was 107.13 in Oct 2025.

The Banking System in India is very diversified and to compare between the interest rates of different banks is tedious.So here is the dataset to make it easy for you. About the dataset: 1.Bank Name:Name of the Bank 2.Highest Slab: Maximum Interest Rate that the bank can provide 3.1 year tenure : The interest rate given on FD for a time limit of 1 year 4.3 year tenure: The interest rate given on FD for a time limit of 3 years 5.5 year tenure:The interest rate given on FD for a time limit of 5 years. 6.Senior Citizens:The interest rate given on a FD for the senior citizens above age 60.

Forecast: Bank Lending Interest Rate in India 2022 - 2026 Discover more data with ReportLinker!