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RBI proposes 3-month MCLR reset for loans: What could change for borrowers and their monthly EMIs | Mint

Kirti Jha · DistrictNews · 2026-08-15

RBI proposes 3-month MCLR reset for loans: What could change for borrowers and their monthly EMIs | Mint

RBI has proposed a new MCLR formula using a three-month moving average of banks’ marginal funding costs. The draft also proposes a three-month reset period for MCLR-linked loans and aims to make loan pricing more transparent. RBI proposes 3-month MCLR reset for loans: What could change for borrowers and their monthly EMIs | Mint

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