SBI Reduces Lending & Some Deposit Rates From Dec 15, 2025

• SBI reduced several key interest rates for lending and retail deposits, effective December 15, 2025.
• The 444-day 'Amrit Vrishti' deposit scheme rate was cut from 6.60% to 6.45%.
• Marginal Cost of Funds-Based Lending Rate (MCLR) was lowered by 5 basis points across all tenors.
• The External Benchmark Linked Rate (EBLR) saw a 25-basis-point reduction from 8.15% to 7.90%.
• SBI's Base Rate was also trimmed from 10.00% to 9.90%.

Why It Matters: SBI's rate cuts will lower loan costs and slightly reduce some deposit returns for customers.