Lending rates edge up to 8.7% as fresh loans get costlier

January 2, 2026

State-run banks led the increase, raising lending rates by 16 bps month-on-month to 8.05%, while rates at private banks remained unchanged at 9.44%. Foreign banks, meanwhile, lowered lending rates by 6 bps to 8.18% from 8.24% in October.

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