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A bank’s MCLR-linked loan and an EBLR-linked loan differ mainly in which respect?

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1. A bank’s MCLR-linked loan and an EBLR-linked loan differ mainly in which respect?

MCLR loans reset at least every three months, EBLR loans reset yearly

MCLR is set with reference to an external benchmark, EBLR is an internal calculation

MCLR applies only to MSME loans, EBLR applies only to large corporate loans

MCLR is an internal benchmark banks calculate themselves, EBLR tracks an external benchmark like the repo rate

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