Bank of Baroda has announced a revision in its Marginal Cost of Funds Based Lending Rate (MCLR) effective December 12, 2025. The bank formally communicated this update to both the Bombay Stock Exchange (BSE) and National Stock Exchange of India (NSE) through an official regulatory filing dated December 10, 2025.

MCLR Revision Details

The bank has revised its MCLR across multiple tenors, with the changes taking effect from December 12, 2025. The revision covers various MCLR tenors including:

• One Month MCLR
• Three Month MCLR
• Six Month MCLR

While the communication indicates both existing and revised MCLR rates, the specific percentage details were not clearly legible in the regulatory filing document.

Regulatory Compliance

The MCLR revision announcement has been made in strict compliance with regulatory requirements. Bank of Baroda has disclosed this information pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015.

The bank has requested both stock exchanges to take note of the revision and upload the information on their respective websites for public access and transparency.

Communication Framework

The official communication was signed by S. Balakumar, Company Secretary of Bank of Baroda, and sent from the bank's corporate center located at Bandra Kurla Complex, Mumbai. This follows the standard protocol for material disclosures by listed companies to ensure timely and accurate information dissemination to stakeholders and the investing public.

MCLR revisions are significant for the banking sector as they directly impact lending rates offered to customers across various loan categories and tenors.

Bank of Baroda , one of India's leading public sector banks, has announced a significant reduction in its Baroda Repo Based Lending Rate (BRLLR). The bank has cut the BRLLR by 25 basis points, bringing it down to 7.90% from the previous 8.15%. This change is set to take effect from December 6, 2025.

Key Points of the Rate Change

• Old BRLLR: 8.15%
• New BRLLR: 7.90%
• Reduction: 25 basis points
• Effective Date: December 6, 2025

This rate cut is expected to have a substantial impact on the bank's lending operations and could potentially lower borrowing costs for customers across various loan categories.

Impact on Borrowers

The reduction in BRLLR may benefit both existing and new borrowers:

1. Existing Borrowers: Those with loans linked to the BRLLR may see a reduction in their interest rates, potentially leading to lower EMIs.
2. New Borrowers: Prospective customers might find Bank of Baroda's loan offerings more attractive due to the reduced lending rate.

Bank's Financial Position

To provide context on Bank of Baroda's financial standing, here's a snapshot of key financial metrics based on the most recent balance sheet data:

The bank has shown significant growth in its total assets and equity over the past year, indicating a strong financial position. This robust financial standing may have provided the bank with the flexibility to reduce its lending rates.

Conclusion

Bank of Baroda's decision to reduce its BRLLR by 25 basis points is a significant move that could enhance its competitiveness in the lending market. As the new rate comes into effect on December 6, 2025, both existing and potential customers should closely monitor how this change may impact their borrowing costs and financial planning.