Careratings

CareEdge Ratings (CARE Ratings Ltd / Credit Analysis & Research Ltd) — Monthly Indian bank rate-transmission and banking-system panel: median MCLR, base rate and external-benchmark (EBLR) lending rates split by bank group (SCB / PSB / PVB / SFB), outstanding weighted-average lending rate (WALR) vs outstanding weighted-average domestic term deposit rate (WADTDR) with the resulting spread, fresh-loan and fresh-deposit repricing, EBLR linkage share, and fortnightly bank credit vs deposit growth plus systemic liquidity. Built by a research desk from RBI and CMIE primary releases into a normalized…

Careratings offers (Reference, Fundamental, Alternative) — Per edition the historical annexure carries base rate, MCLR and EBLR by bank category across Sep-2019 to Dec-2025 (roughly 76 months x 3-4 bank groups x 3 benchmark series, i.e. on the order of 700-900 rate observations), plus paired credit/deposit growth and monthly systemic-liquidity series refreshed on the fortnightly RBI cycle; at least 13 distinct recurring BFSI tracker families appear in this publisher's report library..

Bank net-interest-margin and NIM forecasting; monetary-policy transmission-lag modelling and nowcasting of RBI pass-through; Indian bank earnings and treasury/ALM models; deposit-competition and funding-cost risk models for lenders; floating-rate loan product pricing and repricing schedules; credit-cycle and system-liquidity timing signals for rates and bank-equity strategies; benchmark construction for regulated floating-rate lending contracts.

The data is with 7 years of history.

Coverage spans APAC; Financial Exchanges & Data; reference, fundamental, alternative; fixed_income, equities.