{
 "_meta": {
  "description": "RBI policy repo rate decisions and each lender's published home-loan benchmark rate, with effective dates. Every entry was copied from the official RBI or lender page in 'source'.",
  "checked": "2026-10-27",
  "maintainer": "indiaemi.com (Sri Murugan Systems)",
  "update": "Monthly and after each RBI MPC decision. Add new entries; never edit old ones except to correct an error (note it in 'correction')."
 },
 "repo": [
  {
   "date": "2019-10-04",
   "rate": 5.15,
   "source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11703"
  },
  {
   "date": "2020-03-27",
   "rate": 4.4,
   "source": "https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=49581"
  },
  {
   "date": "2020-05-22",
   "rate": 4.0,
   "source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11894"
  },
  {
   "date": "2022-05-04",
   "rate": 4.4,
   "source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12309"
  },
  {
   "date": "2022-06-08",
   "rate": 4.9,
   "source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12331"
  },
  {
   "date": "2022-08-05",
   "rate": 5.4,
   "source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12369"
  },
  {
   "date": "2022-09-30",
   "rate": 5.9,
   "source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12391"
  },
  {
   "date": "2022-12-07",
   "rate": 6.25,
   "source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12419"
  },
  {
   "date": "2023-02-08",
   "rate": 6.5,
   "source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12451"
  },
  {
   "date": "2025-02-07",
   "rate": 6.25,
   "source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12774"
  },
  {
   "date": "2025-04-09",
   "rate": 6.0,
   "source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12831"
  },
  {
   "date": "2025-06-06",
   "rate": 5.5,
   "source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12854"
  },
  {
   "date": "2025-12-05",
   "rate": 5.25,
   "source": "https://rbi.org.in/Scripts/PublicationsView.aspx?id=23684"
  },
  {
   "date": "2026-10-07",
   "rate": 5.5,
   "source": "https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=63742"
  }
 ],
 "banks": {
  "sbi": {
   "benchmark": "EBLR",
   "history": [
    {
     "rate": 8.05,
     "effective": "2019-10-01",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 7.8,
     "effective": "2020-01-01",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 7.05,
     "effective": "2020-04-01",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 6.65,
     "effective": "2020-07-01",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 7.05,
     "effective": "2022-06-01",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 7.55,
     "effective": "2022-06-15",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 8.05,
     "effective": "2022-08-15",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 8.55,
     "effective": "2022-10-01",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 8.9,
     "effective": "2022-12-15",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 9.15,
     "effective": "2023-02-15",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 8.9,
     "effective": "2025-02-15",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 8.65,
     "effective": "2025-04-15",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 8.15,
     "effective": "2025-06-15",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 7.9,
     "effective": "2025-12-15",
     "source": "https://sbi.bank.in/web/interest-rates/eblr-historical-data"
    },
    {
     "rate": 8.15,
     "effective": "2026-10-15",
     "source": "https://sbi.bank.in/web/interest-rates/interest-rates/loan-schemes-interest-rates/home-loans-interest-rates-current"
    }
   ],
   "notes": "History page lists EBLR '+ CRP' (and '+ BSP' from 15.08.2022); it ends at 7.90% from 15.12.2025. The 8.15% from 15.10.2026 (already in data/sources.json from round 1) was NOT re-confirmed this session: SBI's current EBLR page (…/external-benchmark-based-lending-rate) failed to load (client error / robots). The home-loan page shows card rates 'w.e.f. 15.10.2026' but no EBLR value."
  },
  "hdfc": {
   "benchmark": "Policy repo rate",
   "history": [],
   "direct_repo": true,
   "notes": "Page: 'All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 5.50%'; loan rate = repo + 2.50% to 7.95%. No effective date, no history. Page is internally inconsistent on the starting rate (7.20% in heading, 8% in body, 8.50% in widget)."
  },
  "icici": {
   "benchmark": "Policy repo rate",
   "history": [
    {
     "rate": 5.5,
     "effective": "2026-10-08",
     "source": "https://www.icici.bank.in/personal-banking/loans/home-loan/interest-rates"
    }
   ],
   "direct_repo": true,
   "notes": "Page: 'Repo rate effective 08 October 2026 – 5.50%'. No history link."
  },
  "axis": {
   "benchmark": "Policy repo rate",
   "history": [],
   "direct_repo": true,
   "notes": "Fetched page body did not load the rate table; no benchmark named. Meta description says 'starting at 8.20%* p.a.' — this disagrees with the 8.00% in data/sources.json; recheck the Axis rate."
  },
  "kotak": {
   "benchmark": "Policy repo rate",
   "history": [],
   "direct_repo": true,
   "notes": "No benchmark value, effective date or history on the page."
  },
  "pnb": {
   "benchmark": "RLLR",
   "history": [
    {
     "rate": 8.05,
     "effective": "2019-10-01",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 7.8,
     "effective": "2019-10-04",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 7.05,
     "effective": "2020-04-01",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 6.65,
     "effective": "2020-06-01",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 6.8,
     "effective": "2020-09-01",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 6.8,
     "effective": "2021-09-17",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 6.75,
     "effective": "2021-11-08",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 7.15,
     "effective": "2022-05-07",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 7.65,
     "effective": "2022-06-09",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 8.15,
     "effective": "2022-08-06",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 8.65,
     "effective": "2022-10-01",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 9.0,
     "effective": "2022-12-08",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 9.25,
     "effective": "2023-02-09",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 9.25,
     "effective": "2024-07-09",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 9.0,
     "effective": "2025-02-10",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 9.1,
     "effective": "2025-04-01",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 8.85,
     "effective": "2025-04-10",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 8.35,
     "effective": "2025-06-09",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 8.35,
     "effective": "2025-07-01",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 8.1,
     "effective": "2025-12-06",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 8.1,
     "effective": "2026-07-01",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    },
    {
     "rate": 8.35,
     "effective": "2026-10-08",
     "source": "https://pnb.bank.in/interst-rate-on-advances-linked-to-mclr.html"
    }
   ],
   "notes": "Current-rate table: existing 8.10% w.e.f. 01.10.2026, revised 8.35% w.e.f. 08.10.2026; the history table lists 8.10 from 01-07-2026 (dates on the page are slightly inconsistent). Some rows (e.g. 2024-07-09 9.25, 2025-04-01 9.10) are as listed on the page."
  },
  "bob": {
   "benchmark": "BRLLR",
   "history": [
    {
     "rate": 8.35,
     "effective": "2019-10-01",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 8.1,
     "effective": "2019-10-05",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 8.15,
     "effective": "2019-12-01",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 8.0,
     "effective": "2020-03-01",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 7.25,
     "effective": "2020-03-28",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 6.85,
     "effective": "2020-05-23",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 7.0,
     "effective": "2020-08-01",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 6.85,
     "effective": "2020-11-01",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 6.75,
     "effective": "2021-03-15",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 6.5,
     "effective": "2021-10-07",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 6.9,
     "effective": "2022-05-05",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 7.4,
     "effective": "2022-06-09",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 7.45,
     "effective": "2022-06-15",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 7.95,
     "effective": "2022-08-06",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 8.45,
     "effective": "2022-09-30",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 8.5,
     "effective": "2022-11-12",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 8.85,
     "effective": "2022-12-08",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 9.1,
     "effective": "2023-02-09",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 9.15,
     "effective": "2023-02-14",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 9.15,
     "effective": "2023-06-12",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 9.15,
     "effective": "2023-11-10",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 8.9,
     "effective": "2025-02-10",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 8.65,
     "effective": "2025-04-09",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 8.15,
     "effective": "2025-06-06",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates/brllr-historical-data"
    },
    {
     "rate": 8.15,
     "effective": "2026-10-08",
     "source": "https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates"
    }
   ],
   "notes": "Retail rates page: 'For Retail Loans applicable BRLLR is 8.15% w.e.f. 08.10.2026'. The history page stops at 8.15% from 06-06-2025 and has no row for the Dec 2025 cut. The Baroda Mortgage Loan section of the rates page still says 'At present BRLLR is 7.90%' (stale text on the bank's page; implies 7.90% after the Dec 2025 cut, date not shown).",
   "previous_undated": {
    "rate": 7.9,
    "source": "https://www.bankofbaroda.bank.in/interest-rate-and-service-charges/loan-interest-rates",
    "note": "The retail rates page also says 'At present BRLLR is 7.90%' (stale text); the history page has no row for Dec 2025."
   }
  },
  "canara": {
   "benchmark": "RLLR",
   "history": [
    {
     "rate": 8.0,
     "effective": "2026-07-12",
     "source": "https://www.canarabank.bank.in/documents/d/guest/rllr-website-updation_english10072026"
    },
    {
     "rate": 8.25,
     "effective": "2026-10-09",
     "source": "https://www.canarabank.bank.in/pages/rates-of-interest-for-retail-lending-schemes-linked-to-rllr"
    }
   ],
   "notes": "Current page: 'RLLR OF THE BANK - 8.25%* w.e.f 09.10.2026'. Earlier notice PDF (10 Jul 2026 upload): RLLR 8.00% effective 12.07.2026. No full history table found; other dated notice PDFs exist on canarabank.bank.in/documents/d/guest/ (rllr-website-updation_english, _english-1-)."
  },
  "indusind": {
   "benchmark": "Not named on the rate page",
   "history": [],
   "notes": "Rate sheet 'as on Jun'26' shows floating 8.00%-15.00% but names no benchmark. No benchmark page found on indusind.bank.in."
  },
  "federal": {
   "benchmark": "Policy repo rate",
   "history": [],
   "direct_repo": true,
   "notes": "'Floating Rate Loans (Interest Rates on Retail portfolio linked to RBI Repo Rate)', 'Present Repo Rate 5.50%'. Page last updated 26 Oct 2026. No history."
  },
  "lichfl": {
   "benchmark": "LHPLR (not dated on the page)",
   "history": [],
   "notes": "https://www.lichousing.com/lhplr-for-retail-loans shows 16.90% and 17.00% without labels or dates — not usable as a dated value. Retail home loan pricing on lichousing.com is by CIBIL band (7.15% from 825+)."
  },
  "indianbank": {
   "benchmark": "RBLR",
   "history": [
    {
     "rate": 8.2,
     "effective": "2026-10-08",
     "source": "https://indianbank.bank.in/documents/d/guest/benchmark-lending-rates-wef-08102026"
    }
   ],
   "notes": "Revised rates 'effective from 08.10.2026 till next review'; 7.95% listed as 'Existing Rate' without a date.",
   "previous_undated": {
    "rate": 7.95,
    "source": "https://indianbank.bank.in/documents/d/guest/benchmark-lending-rates-wef-08102026"
   }
  },
  "union": {
   "benchmark": "EBLR",
   "history": [
    {
     "rate": 8.25,
     "effective": "2026-10-08",
     "source": "https://www.unionbankofindia.bank.in/pdf/retail_roi.pdf"
    }
   ],
   "notes": "'EBLR as on Date is 8.25% i.e. RBI Repo Rate (5.50%) + Spread (2.75%)', w.e.f. 08.10.2026; 'EBLR as on 30.09.2026 - 8.00% i.e. RBI Repo Rate (5.25%) + Spread (2.75%)'.",
   "previous_undated": {
    "rate": 8.0,
    "source": "https://www.unionbankofindia.bank.in/pdf/retail_roi.pdf",
    "note": "EBLR as on 30.09.2026: 8.00% (repo 5.25% + 2.75%)."
   }
  }
 },
 "repo_unchanged_2026": [
  {
   "date": "2026-02-06",
   "rate": 5.25,
   "source": "https://rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=62261"
  },
  {
   "date": "2026-04-08",
   "rate": 5.25,
   "source": "https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=62514"
  },
  {
   "date": "2026-06-05",
   "rate": 5.25,
   "source": "https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=62863"
  },
  {
   "date": "2026-08-05",
   "rate": 5.25,
   "source": "https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=63287"
  }
 ]
}