In 2025, the Reserve Bank of India (RBI) revised its Priority Sector Lending (PSL) guidelines to increase credit flow to critical sectors of the economy. Effective from April 1, 2025, the updated Master Directions modify loan limits and borrower eligibility across key categories, including agriculture, housing, and renewable energy.
Current Rates
| Policy Repo Rate: | 6.00% |
| Fixed Reverse Repo: | 3.35% |
| Marginal Standing Facility Rate: | 6.25% |
| Bank Rate: | 6.25% |
| CRR: | 4.00% |
| SLR: | 18.00% |
| Savings Deposit Rate: | 2.70% – 2.75% |
| Term Dep. Rate > 1 Year: | 6.00% – 7.15% |
| Base Rate: | 9.10% – 10.40% |
| MCLR (Overnight): | 8.15% – 8.45% |
| Senior Citizen Savings Scheme (SCSS) 2004: | 8.20% |
| Public Provident Fund(PPF): | 7.10% |
| Sukanya Samriddhi Yojana: | 8.20% |
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