Repo-linked benchmark revised: RBLR up from 7.95% to 8.20%

Indian Bank has revised its repo-linked benchmark rates, in line with the 25 bps increase in the RBI Policy Repo Rate.

Wed 7 Oct 2026

Policy Repo Rate for loans linked to REPO

5.25% → 5.50%

Repo Linked Benchmark Lending Rates (RBLR)

7.95% → 8.20%

Effective date

08.10.2026 till the next review

Rate revision at a glance

• The Bank has revised the benchmark rates on its repo-linked loans, in line with the 25 bps increase in the Policy Repo Rate by the Monetary Policy Committee (MPC) of RBI.
• Policy Repo Rate for loans linked to REPO (for new and existing loans): from 5.25% to 5.50%.
• Repo Linked Benchmark Lending Rates (RBLR): from 7.95% to 8.20%.
• The revised rates are effective from 08.10.2026 till the next review.
• Other benchmark rates the Bank communicated earlier remain unchanged.

What a repo-linked benchmark means

A bank's repo-linked lending rate moves in step with the RBI's policy repo rate. When the policy rate changes, the benchmark used for such loans is revised, and the interest rate on loans tied to that benchmark is reset as per the terms of the loan.

What the revision covers

• The change applies to new and existing loans linked to REPO, so both fresh lending and running loans tied to this benchmark come under the revised rate. Loan-linked interest rates are typically affected in line with the applicable loan terms, which may change the EMI or the tenor.
• The RBLR, the Bank's own repo-linked benchmark lending rate, is revised upward by the same step as the policy rate change.

The rates in the update

• Policy Repo Rate for loans linked to REPO: existing 5.25%, revised 5.50%.
• Repo Linked Benchmark Lending Rates (RBLR): existing 7.95%, revised 8.20%.
• Policy Repo Rate increase flagged by the Bank: 25 bps.
• Effective date: 08.10.2026, continuing till the next review.

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