What is PLR? What is SBI's present SBAR?
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Answer Posted / rahul
The interest rate that commercial banks charge their best,
most credit-worthy customers. Generally a bank's best
customers consist of large corporations. The rate is
determined by the Federal Reserve's decision to raise or
lower prevailing interest rates for short-term borrowing.
Though some banks charge their best customers more and some
less than the official prime rate, the rate tends to become
standard across the banking industry when a major bank
moves its prime up or down. The rate is a key interest
rate, since loans to less-creditworthy customers are often
tied to the prime rate. For example, a Blue Chip company
may borrow at a prime rate of 5%, but a less-well-
established small business may borrow from the same bank at
prime plus 2, or 7%. Many consumer loans, such as home
equity, automobile, mortgage, and credit card loans, are
tied to the prime rate. Although the major bank prime rate
is the definitive "best rate" reference point, many banks,
particularly those in outlying regions, have a two-tier
system, whereby smaller companies of top credit standing
may borrow at
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