{
  "updated_at": "2026-08-02T09:32:09Z",
  "title": "India Public Sector Banks \u2014 MCLR",
  "tenors": [
    {
      "id": "overnight",
      "label": "Overnight"
    },
    {
      "id": "1m",
      "label": "1 Month"
    },
    {
      "id": "3m",
      "label": "3 Months"
    },
    {
      "id": "6m",
      "label": "6 Months"
    },
    {
      "id": "1y",
      "label": "1 Year"
    },
    {
      "id": "2y",
      "label": "2 Years"
    },
    {
      "id": "3y",
      "label": "3 Years"
    }
  ],
  "banks": [
    {
      "id": "sbi",
      "name": "State Bank of India",
      "short": "SBI",
      "effective_from": "15 Jul 2026",
      "rates": {
        "overnight": 7.85,
        "1m": 7.85,
        "3m": 8.25,
        "6m": 8.6,
        "1y": 8.7,
        "2y": 8.75,
        "3y": 8.8
      },
      "source_url": "https://sbi.bank.in/web/interest-rates/interest-rates/mclr",
      "source_label": "SBI official MCLR page",
      "note": "Pinned to latest verified official table",
      "status": "ok",
      "fetched_at": "2026-08-02T09:29:58Z"
    },
    {
      "id": "bob",
      "name": "Bank of Baroda",
      "short": "BoB",
      "effective_from": "12 Jul 2026",
      "rates": {
        "overnight": 7.85,
        "1m": 7.95,
        "3m": 8.2,
        "6m": 8.5,
        "1y": 8.75,
        "2y": null,
        "3y": null
      },
      "source_url": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates",
      "source_label": "Bank of Baroda retail rates",
      "note": "",
      "status": "ok",
      "fetched_at": "2026-08-02T09:30:01Z"
    },
    {
      "id": "pnb",
      "name": "Punjab National Bank",
      "short": "PNB",
      "effective_from": "01 Aug 2026",
      "rates": {
        "overnight": 8.0,
        "1m": 8.25,
        "3m": 8.45,
        "6m": 8.65,
        "1y": 8.8,
        "2y": null,
        "3y": 9.1
      },
      "source_url": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html",
      "source_label": "PNB MCLR page",
      "note": "",
      "status": "ok",
      "fetched_at": "2026-08-02T09:30:01Z"
    },
    {
      "id": "canara",
      "name": "Canara Bank",
      "short": "Canara",
      "effective_from": "12 Jul 2026",
      "rates": {
        "overnight": 7.95,
        "1m": 8.0,
        "3m": 8.25,
        "6m": 8.6,
        "1y": 8.75,
        "2y": 9.0,
        "3y": 9.05
      },
      "source_url": "https://www.canarabank.bank.in/documents/d/guest/mclr-website-updation_english10072026",
      "source_label": "Canara Bank MCLR PDF",
      "note": "",
      "status": "ok",
      "fetched_at": "2026-08-02T09:30:02Z"
    },
    {
      "id": "union",
      "name": "Union Bank of India",
      "short": "Union",
      "effective_from": "21 Jul 2026",
      "rates": {
        "overnight": 7.9,
        "1m": 8.1,
        "3m": 8.35,
        "6m": 8.65,
        "1y": 8.8,
        "2y": 8.95,
        "3y": 9.05
      },
      "source_url": "https://www.unionbankofindia.bank.in/en/common/interest-rates-loans-and-advances",
      "source_label": "Union Bank loans & advances rates",
      "note": "",
      "status": "ok",
      "fetched_at": "2026-08-02T09:31:22Z"
    },
    {
      "id": "boi",
      "name": "Bank of India",
      "short": "BoI",
      "effective_from": "01 Aug 2026",
      "rates": {
        "overnight": 7.85,
        "1m": 8.15,
        "3m": 8.35,
        "6m": 8.65,
        "1y": 8.8,
        "2y": null,
        "3y": 8.9
      },
      "source_url": "https://bankofindia.bank.in/interest-rate/interest-rate-mclr/2026",
      "source_label": "Bank of India MCLR (official page / index)",
      "note": "Live page often bot-blocked; rates from official 2026 MCLR table snapshot",
      "status": "cached",
      "fetched_at": "2026-08-02T09:31:22Z"
    },
    {
      "id": "indian",
      "name": "Indian Bank",
      "short": "Indian",
      "effective_from": "03 Aug 2026",
      "rates": {
        "overnight": 7.9,
        "1m": 8.2,
        "3m": 8.5,
        "6m": 8.75,
        "1y": 8.85,
        "2y": null,
        "3y": null
      },
      "source_url": "https://indianbank.bank.in/documents/d/guest/benchmark-lending-rates-wef-03082026",
      "source_label": "Indian Bank benchmark lending rates PDF",
      "note": "Also listed on https://indianbank.bank.in/en/lending-rates",
      "status": "ok",
      "fetched_at": "2026-08-02T09:31:22Z"
    },
    {
      "id": "central",
      "name": "Central Bank of India",
      "short": "Central",
      "effective_from": "10 Jul 2026",
      "rates": {
        "overnight": 7.6,
        "1m": 7.65,
        "3m": 8.45,
        "6m": 8.65,
        "1y": 8.8,
        "2y": null,
        "3y": null
      },
      "source_url": "https://centralbank.bank.in/en/interest-rate-on-loan",
      "source_label": "Central Bank interest rate on loan",
      "note": "",
      "status": "ok",
      "fetched_at": "2026-08-02T09:31:24Z"
    },
    {
      "id": "bom",
      "name": "Bank of Maharashtra",
      "short": "BoM",
      "effective_from": "25 Jul 2026",
      "rates": {
        "overnight": 7.3,
        "1m": 8.3,
        "3m": 8.55,
        "6m": 8.9,
        "1y": 9.0,
        "2y": null,
        "3y": null
      },
      "source_url": "https://bankofmaharashtra.bank.in/writereaddata/documentlibrary/43c9e6f8-1ed2-4133-bf70-0fe4b0e33a21.pdf",
      "source_label": "BoM MCLR PDF (25.07.2026)",
      "note": "",
      "status": "ok",
      "fetched_at": "2026-08-02T09:32:04Z"
    },
    {
      "id": "iob",
      "name": "Indian Overseas Bank",
      "short": "IOB",
      "effective_from": "15 Jun 2026",
      "rates": {
        "overnight": 7.9,
        "1m": 8.25,
        "3m": 8.4,
        "6m": 8.65,
        "1y": 8.8,
        "2y": 8.8,
        "3y": 8.85
      },
      "source_url": "https://www.iob.bank.in/en/lending-rates-mclr",
      "source_label": "IOB lending rates & MCLR",
      "note": "",
      "status": "ok",
      "fetched_at": "2026-08-02T09:32:05Z"
    },
    {
      "id": "uco",
      "name": "UCO Bank",
      "short": "UCO",
      "effective_from": "10 Jul 2026",
      "rates": {
        "overnight": 7.9,
        "1m": 8.15,
        "3m": 8.4,
        "6m": 8.65,
        "1y": 8.8,
        "2y": null,
        "3y": null
      },
      "source_url": "https://nsearchives.nseindia.com/corporate/UCOBANK_07052026183735_NSEBSEBENCHMARKRATE07052026.pdf",
      "source_label": "UCO Bank MCLR (exchange filing 10.07.2026)",
      "note": "1Y updated to 8.80% w.e.f. 10.07.2026 (exchange filing); other tenors from last full table",
      "status": "ok",
      "fetched_at": "2026-08-02T09:32:06Z"
    },
    {
      "id": "psb",
      "name": "Punjab & Sind Bank",
      "short": "PSB",
      "effective_from": null,
      "rates": {
        "overnight": null,
        "1m": null,
        "3m": null,
        "6m": null,
        "1y": null,
        "2y": null,
        "3y": null
      },
      "source_url": "https://punjabandsind.bank.in/",
      "source_label": "Punjab & Sind Bank website",
      "note": "Official public MCLR table not found on site HTML \u2014 check branch / investor PDF. Will fill on next successful scrape.",
      "status": "missing",
      "fetched_at": "2026-08-02T09:32:09Z"
    }
  ],
  "disclaimer": "Rates are scraped from each bank\u2019s public website or regulatory filing. Always confirm on the linked source before making decisions. Not affiliated with any bank or RBI."
}