Bank of Baroda has announced a reduction in its Baroda Repo Based Lending Rate (BRLLR), effective from December 6, 2025, following the Reserve Bank of India’s decision to lower the repo rate. This will provide a huge relief to bank customers as the interest rate on loans will decrease by 0.25%.
The rate of interest will now stand at 7.90%, down from 8.15%. The decline reflects a 25 basis point cut in the repo rate, which has been revised from 5.50% to 5.25%. The markup component of 2.65% remains unchanged.
| Component | Previous | Revised (w.e.f. 06.12.2025) |
|---|---|---|
| Repo Rate | 5.50% | 5.25% |
| Mark-Up | 2.65% | 2.65% |
| Total BRLLR | 8.15% | 7.90% |
What will be the impact?
The Loan EMIs will decrease. Now the rate of interest will be 7.90% instead of 8.15%. The EMI for loan of Rs.1 lac at 8.15% for 1 year will be Rs.8705. The EMI for loan of Rs.1 lac at 7.90% for 1 year will be Rs.8694. If the loan amount increases then the difference between more. Click here to calculate EMI.
New Policy Rate as announced by RBI
| Policy Repo Rate | 5.25% |
|---|---|
| Standing Deposit Facility Rate | 5.00% |
| Marginal Standing Facility Rate | 5.50% |
| Bank Rate | 5.50% |
| Fixed Reverse Repo Rate | 3.35% |
| CRR | 3.00% |
| SLR | 18.00% |
