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In this video, we clearly explain MCLR (Marginal Cost of Fund Based Lending Rate)—one of the most important terms in modern banking and loan pricing. If you have ever taken a home loan, auto loan, business loan, or plan to take one in the future, understanding MCLR is essential.

We break down what MCLR means, how banks calculate it, why interest rates change, and how MCLR affects borrowers in Nepal. This video gives you a simple, easy-to-understand explanation suitable for students, banking aspirants, and anyone dealing with loans.

💡 What You Will Learn in This Video

✔ MCLR भनेको के हो?
✔ Why banks use MCLR to set loan interest rates
✔ Components of MCLR (CRR, operating cost, marginal cost of funds, tenure premium)
✔ How MCLR affects loan interest rates
✔ Fixed vs Floating Rate – Which is better?
✔ Impact of MCLR on borrowers and EMI
✔ Why MCLR changes frequently
✔ MCLR in the Nepali context and NRB regulations

We (Ednep Abhiyan) are now running Online NRB Preparation Classes, taught in a simple, clear Nepali + English mix, designed specifically for students who want:
✔ Clear explanation of NRB exam topics
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✔ Complete notes on Monetary Economics, Banking, Finance & Accounting
✔ Daily MCQs + Model Sets
✔ Flexible online classes
✔ Step-by-step guidance until the exam

If you want structured preparation and full support, join our NRB General Group below to get updates, schedules, demo classes, and admission details.

📚 About Ednep Abhiyan:
Ednep Abhiyan is a research and training center working to promote quality education, research, and professional development through interactive online learning programs on different faculty and different subjects.

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