This press release, dated September 30, 2025, from the Reserve Bank of India, provides data on the lending and deposit rates of scheduled commercial banks (SCBs), excluding regional rural banks and small finance banks, for September 2025. The data is presented in Tables 1 to 7.
Key highlights include:
* The weighted average lending rate (WALR) on fresh rupee loans of SCBs was 8.75% in August 2025, compared to 8.81% in July 2025.
* The WALR on outstanding rupee loans of SCBs decreased to 9.32% in August 2025, from 9.38% in July 2025.
* The 1-Year median Marginal Cost of Funds based Lending Rate (MCLR) of SCBs remained at 8.60% in September 2025.
* The share of External Benchmark based Lending Rate (EBLR) linked loans in total outstanding floating rate rupee loans of SCBs was 62.9% at end-June 2025 (61.6% at end-March 2025), while that of MCLR linked loans was 33.8% (34.9% at end-March 2025).
* The weighted average domestic term deposit rate (WADTDR) on fresh rupee term deposits of SCBs moderated to 5.56% in August 2025 from 5.61% in July 2025.
* The WADTDR on outstanding rupee term deposits of SCBs was 6.87% in August 2025 (6.92% in July 2025).
The press release number is 2025-2026/1210. For further information, contact Ajit Prasad, Deputy General Manager (Communications). The RBI website is www.rbi.org.in, and the email address is helpdoc@rbi.org.in. The phone number is 022-2266 0502. The central office is located at the Department of Communication, Central Office, Shahid Bhagat Singh Marg, Fort, Mumbai - 400 001.
Key Entities Referenced
Reserve Bank of India: Central bank of India, responsible for monetary policy and financial stability.
Scheduled Commercial Banks (SCBs): Banks included in the Second Schedule to the Reserve Bank of India Act, 1934, crucial for the scope of lending and deposit rates covered.
Lending and Deposit Rates: Key rates reported by the Scheduled Commercial Banks.
Mumbai: Location of the Department of Communication, Central Office of the Reserve Bank of India.
प्रेस प्रकाशनी PRESS RELEASE
भारतीय ररज़र्व ब ैंक
RESERVE BANK OF INDIA
वेबसाइट : www.rbi.org.in/hindi संचार वर्भाग, केंद्रीय कायाालय, शहीद भगत ससिंह मागा, फोटा, म िंबई - 400 001
Website : www.rbi.org.in Department of Communication, Central Office, Shahid Bhagat Singh Marg, Fort,
ई-मेल/email : helpdoc@rbi.org.in Mumbai - 400 001 फोन/Phone: 022 - 2266 0502
September 30, 2025
Lending and Deposit Rates of Scheduled Commercial Banks – September 2025
Data on lending and deposit rates of scheduled commercial banks (SCBs) (excluding
regional rural banks and small finance banks) received during the month of September 2025
are set out in Tables 1 to 7.
Highlights:
Lending Rates:
• The weighted average lending rate (WALR) on fresh rupee loans of SCBs stood at
8.75 per cent in August 2025 (8.81 per cent in July 2025).
• The WALR on outstanding rupee loans of SCBs declined to 9.32 per cent in August
2025 from 9.38 per cent in July 2025.
• 1-Year median Marginal Cost of Funds based Lending Rate (MCLR) of SCBs remained
unchanged at 8.60 per cent in September 2025.
• The share of External Benchmark based Lending Rate (EBLR) linked loans in
total outstanding floating rate rupee loans of SCBs was 62.9 per cent at end-
June 2025 (61.6 per cent at end-March 2025), while that of MCLR linked loans
was 33.8 per cent (34.9 per cent at end- March 2025).
Deposit Rates:
• The weighted average domestic term deposit rate (WADTDR) on fresh rupee term
deposits of SCBs moderated to 5.56 per cent in August 2025 from 5.61 per cent in July
2025.
• The WADTDR on outstanding rupee term deposits of SCBs was 6.87 per cent
in August 2025 (6.92 per cent in July 2025).
Ajit Prasad
Press Release: 2025-2026/1210 Deputy General Manager
(Communications)