All the banks lend loans regarding the basis of MCLR - Marginal Cost of Lending Rates whereas the non-banking financial organizations lend loans at PLR- Prime Lending Rate system. Previously, the MCLR had replaced the base rate for banks by virtue of which the loans that got sanctioned from 2010 to 2016 came knocked out the base rate and PLR systems. https://www.letzbank.com/blog/reasons-why-your-home-loan-emi-still-high
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