Bank of Baroda , one of India's leading public sector banks, has announced a revision in its Marginal Cost of Funds Based Lending Rate (MCLR) effective October 12, 2025. The bank has reduced the MCLR for select tenors, potentially impacting borrowers with loans linked to these rates.

Key Changes in MCLR Rates

The bank has made the following adjustments to its MCLR:

It's worth noting that the overnight and three-month MCLR rates remain unchanged at 7.85% and 8.20%, respectively.

Impact on Borrowers

The reduction in MCLR rates for these specific tenors could potentially lead to lower interest rates for borrowers with loans linked to these benchmarks. However, the actual impact on individual loans may vary depending on factors such as reset periods and loan terms.

Regulatory Compliance

Bank of Baroda has duly informed the stock exchanges about this change in MCLR rates, in compliance with Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. This transparency ensures that investors and stakeholders are promptly informed about changes that could affect the bank's lending practices and potentially its financial performance.

As interest rates play a crucial role in the banking sector's profitability and competitiveness, market participants will likely keep a close eye on how this adjustment in MCLR rates might influence Bank of Baroda's position in the lending market and its overall financial health in the coming quarters.

Bank of Baroda , one of India's leading public sector banks, has reported impressive growth figures for the quarter ending September 30, 2025. The bank's global business witnessed a substantial year-on-year increase, reflecting its strong performance across various segments.

Key Highlights

• Global business grew by 10.47% year-on-year to ₹27.79 trillion
• Global deposits increased by 9.28% to ₹15.00 trillion
• Global advances rose by 11.90% to ₹12.79 trillion

Detailed Performance Metrics

Bank of Baroda's growth is evident across multiple parameters, as shown in the table below:

*Excluding pool purchase (All figures in ₹ crore)

Analysis of Growth

The bank's performance demonstrates robust growth across various segments:

1. Global Business: The 10.47% year-on-year increase to ₹27.79 trillion indicates the bank's expanding international presence and overall business growth.

2. Deposits: Global deposits grew by 9.28% to ₹15.00 trillion, reflecting increased customer trust and the bank's ability to attract funds.

3. Advances: Global advances saw an 11.90% rise to ₹12.79 trillion, suggesting strong credit demand and the bank's proactive lending strategies.

4. Domestic Performance: Domestic deposits and advances grew by 9.66% and 11.49% respectively, highlighting the bank's strong foothold in the Indian market.

5. Retail Focus: The impressive 17.56% growth in domestic retail advances underscores the bank's successful retail banking strategies and expanding customer base.

These figures, subject to audit review by Statutory Central Auditors, paint a picture of Bank of Baroda's solid performance and strategic growth initiatives. The bank's ability to grow its business, deposits, and advances in both domestic and global markets positions it well in the competitive banking sector.

Bank of Baroda's continued expansion of operations and improvement in financial metrics reinforces its significant role in India's banking industry, contributing to the country's economic growth and financial inclusion efforts.