Bank of Baroda Lowers Lending Rate by 25 bps to 7.90%

Bank of Baroda has cut its repo linked lending rate shortly after the Reserve Bank of India reduced the key policy repo rate by 25 basis points to 5.25%.  

The move is expected to bring down borrowing costs for a wide range of retail and corporate customers whose loans are benchmarked to the Baroda Repo Based Lending Rate. 

Key Development: BRLLR Cut and Effective Date 

According to the bank’s regulatory communication, the Baroda Repo Based Lending Rate will fall from 8.15% to 7.90%. The revised rate is effective from December 6, 2025. 

The 25-basis point reduction mirrors the RBI’s latest policy move and forms part of the broader rate transmission process across the banking system. 

Statements and Policy Backdrop 

The rate action comes against the backdrop of the RBI’s decision to lower the repo rate to  

5.25% for the first time in 6 months and to inject additional liquidity into the banking system.  

The central bank’s monetary policy committee voted unanimously in favour of the cut and retained a neutral stance. The RBI has also flagged its intent to support growth while keeping inflation within target. 

BOB Share Price Performance  

As of December 05, 2025, Bank of Baroda share price is closed at ₹292.00 per share, reflecting a surge of 1.32% from the previous closing price.  

Read More: Best Blue Chip Stocks in India in December 2025: Reliance, HDFC Bank, Airtel and More! 

Conclusion 

Bank of Baroda’s reduction of its repo linked lending rate to 7.90% marks an early response to the RBI’s latest easing move. As more lenders follow with similar cuts, borrowers across loan categories are likely to benefit from softer interest rates and lower EMIs in the coming months. 

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