๐ก Ever Wondered How Banks Fix Your Loan Interest Rates? Learn the Full Process!
In this video, I explain how banks calculate interest rates for loans like housing loans, car loans, and other retail & business loans.
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What You Will Learn:
Evolution of Lending Rates in India:
๐น Benchmark Prime Lending Rate (BPLR)
๐น Base Rate
๐น Marginal Cost of Lending Rate (MCLR)
๐น External Benchmark Lending Rate (EBLR) โ Repo Rate and Others
How Interest Rates Are Set in India & Abroad
Full History & Calculation of LIBOR
Global Benchmark Rates:
๐ธ SOFR (Secured Overnight Financing Rate)
๐ธ SONIA, EONIA, TONAR, MIBOR, SHIBOR, TIBOR, EURIBOR
Why LIBOR is Being Phased Out and What Comes Next
Likely Benchmarks for Indian Borrowers Post-LIBOR
๐ This is a complete, practical guide for students, MSMEs, CFOs, banking aspirants, and anyone taking loans.
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How loan interest rates are fixed, LIBOR explained, MCLR calculation, EBLR meaning, Repo rate impact on loans, LIBOR phaseout explained, Alternative to LIBOR, SOFR SONIA EONIA TONAR MIBOR explained, How banks set interest rates, Interest rate history India, External benchmark rate explained, Loan pricing by banks, Global interest rate benchmarks, Interest rate calculation tutorial
