FM_RT_001_S3 Interest Rates in Financial Market

Service Manager Financial Institution Team

Frequency

From

( JUL 2024 - JAN 2026 )

Last Updated : 10 Feb 2026 10:00(Percent per annum)

		JAN 2026 p	DEC 2025	NOV 2025	OCT 2025	SEP 2025	AUG 2025
1	Policy Rate 1/	1.25	1.25	1.50	1.50	1.50	1.50
2	Money market interest rates :
3	Interbank overnight lending rates 2/	1.20	1.33	1.45	1.45	1.45	1.53
4	Interbank overnight lending rates : Min	1.15	1.15	1.40	1.40	1.40	1.40
5	Interbank overnight lending rates : Max	1.26	1.51	1.51	1.51	1.51	1.76
6	Private Repurchase Rate 2/
7	O/N	1.24	1.36	1.49	1.49	1.49	1.57
8	1 week	1.25	1.33	1.50	1.48	1.50	1.48
9	Bilateral repurchase rate 3/
10	1 day	1.25	1.38	1.50	1.50	1.50	1.58
11	7 days	1.25	1.38	1.50	1.50	1.50	1.58
12	14 days	1.25	1.40	1.50	1.50	1.50	1.58
13	1 month	1.25	1.38	1.50	1.50	1.50	1.58
14	2 months	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.
15	3 months	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.
16	6 months	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.
17	Bangkok Interbank Offered Rate (BIBOR) 2/
18	1 week	1.27	1.41	1.52	1.52	1.52	1.61
19	1 month	1.30	1.43	1.54	1.54	1.55	1.64
20	2 months	1.34	1.48	1.59	1.59	1.59	1.68
21	3 months	1.39	1.52	1.64	1.63	1.64	1.73
22	6 months	1.43	1.56	1.67	1.67	1.68	1.77
23	9 months 4/	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.
24	1 Year	1.52	1.65	1.76	1.76	1.77	1.86
25	End of Day Liquidity Adjustment Window 5/
26	Lending Facility	1.75	1.75	2.00	2.00	2.00	2.00
27	Borrowing Facility	0.75	0.75	1.00	1.00	1.00	1.00
28	T-Bill & Government Bond Yield 6/
29	1 month	1.10	1.17	1.26	1.25	1.33	1.35
30	3 months	1.10	1.17	1.25	1.25	1.32	1.35
31	6 months	1.11	1.17	1.26	1.24	1.30	1.34
32	1 year	1.12	1.18	1.27	1.23	1.28	1.32
33	2 years	1.19	1.20	1.34	1.21	1.13	1.18
34	3 years	1.24	1.23	1.37	1.24	1.14	1.18
35	4 years	1.31	1.28	1.41	1.26	1.15	1.19
36	5 years	1.34	1.33	1.46	1.31	1.17	1.21
37	6 years	1.46	1.41	1.53	1.39	1.20	1.24
38	7 years	1.59	1.52	1.62	1.48	1.26	1.31
39	8 years	1.70	1.60	1.66	1.52	1.30	1.33
40	9 years	1.78	1.67	1.70	1.56	1.33	1.37
41	10 years	1.85	1.70	1.74	1.58	1.35	1.39
42	11 years	1.95	1.77	1.80	1.64	1.40	1.43
43	12 years	2.06	1.86	1.88	1.71	1.46	1.50
44	13 years	2.13	1.94	1.95	1.78	1.53	1.58
45	14 years	2.18	1.96	1.98	1.80	1.54	1.58
46	15 years	2.25	2.03	2.04	1.85	1.57	1.60
47	16 years	2.34	2.13	2.14	1.94	1.67	1.68
48	17 years	2.47	2.22	2.22	2.02	1.77	1.76
49	18 years	2.55	2.27	2.26	2.08	1.84	1.84
50	19 years	2.58	2.29	2.28	2.11	1.88	1.86
51	20 years	2.60	2.32	2.31	2.16	1.92	1.88
52	State Enterprise Bonds Reference Yield Spreads : (basis point) 7/
53	0-1 year : Min	9.30	9.47	9.10	9.17	9.25	9.22
54	0-1 year : Max	10.25	11.00	10.65	10.29	12.35	10.13
55	>1-3 years : Min	10.92	11.17	10.42	11.28	11.44	11.58
56	>1-3 years : Max	18.05	16.91	14.19	14.69	16.75	13.85
57	>3-6 years : Min	15.36	16.22	14.13	15.12	15.96	15.17
58	>3-6 years : Max	23.75	23.63	21.21	21.75	23.46	18.06
59	>6-10 years : Min	19.69	19.69	18.54	19.58	19.58	19.38
60	>6-10 years : Max	30.44	30.75	28.96	28.44	32.08	23.13
61	>10-14 years : Min	29.00	29.67	28.35	28.77	30.63	28.44
62	>10-14 years : Max	41.31	42.04	34.92	37.23	41.81	33.02
63	>14 years : Min	37.38	37.48	36.13	37.19	38.65	36.54
64	>14 years : Max	44.25	45.63	43.56	43.77	48.23	39.46
65	Financial institutions Interest Rate : 8/
66	Commercial banks 9/
67	Loan rates
68	Ceiling rates : Min	16.95	16.95	17.05	17.05	17.05	17.05
69	Ceiling rates : Max	28.00	28.00	28.00	28.00	28.00	28.00
70	MOR (Minimum Overdraft Rate) : Min	6.37	6.37	6.62	6.62	6.62	6.62
71	MOR (Minimum Overdraft Rate) : Max	6.70	6.70	6.95	6.95	6.95	6.95
72	MLR (Minimum Lending Rate) : Min	6.40	6.40	6.50	6.50	6.50	6.50
73	MLR (Minimum Lending Rate) : Max	7.05	7.05	7.15	7.15	7.15	7.15
74	MLR (Minimum Lending Rate) : Weighted Average	n.a.	3.25	3.37	3.71	3.87	3.68
75	For contract amount Less than or equal 100 million baht	n.a.	3.85	3.94	4.26	4.44	4.33
76	For contract amount over 100 million baht but under 500 million baht	n.a.	3.40	3.52	3.80	3.98	3.82
77	For contract amount from 500 million baht and over	n.a.	3.01	3.17	3.50	3.58	3.33
78	New Loan Rates for businesses 10/	n.a.	3.32	3.67	3.56	3.63	3.62
79	For contract amount Less than or equal 100 million baht	n.a.	6.68	6.71	6.65	6.54	6.59
80	For contract amount over 100 million baht but under 500 million baht	n.a.	4.76	4.82	4.98	4.90	4.87
81	For contract amount from 500 million baht and over	n.a.	3.04	3.41	3.24	3.33	3.37
82	MRR (Minimum Retail Rate) Min	6.60	6.60	6.65	6.65	6.65	6.65
83	MRR (Minimum Retail Rate) Max	7.21	7.21	7.31	7.31	7.31	7.31
84	Deposit rates
85	Savings deposits : Min	0.13	0.13	0.13	0.13	0.13	0.13
86	Savings deposits : Max	0.25	0.25	0.25	0.25	0.25	0.25
87	Time deposits 3 months : Min	0.60	0.65	0.70	0.75	0.75	0.75
88	Time deposits 3 months : Max	0.70	0.75	0.80	0.80	0.90	0.90
89	Time deposits 6 months : Min	0.70	0.75	0.80	0.80	0.80	0.80
90	Time deposits 6 months : Max	0.80	0.90	0.90	0.90	1.00	1.00
91	Time deposits 12 months : Min	0.80	0.85	0.90	0.95	1.05	1.05
92	Time deposits 12 months : Max	0.90	0.95	1.00	1.10	1.15	1.20
93	Time deposits 2 years : Min	0.90	0.90	1.00	1.00	1.10	1.15
94	Time deposits 2 years : Max	0.90	1.00	1.00	1.10	1.15	1.20
95	Time deposits More than 2 years : Min	0.90	0.90	1.00	1.00	1.10	1.20
96	Time deposits More than 2 years : Max	0.90	1.00	1.00	1.10	1.20	1.25
97	Time deposits : Weighted Average	n.a.	0.82	0.92	0.95	1.02	1.05

Source:
Bank of Thailand
Remark:
1/ The series is end of period : See Monetary Policy Committee's decision on the policy rate at https://www.bot.or.th/th/our-roles/monetary-policy/mpc-publication/policy-interest-rate.html
2/ The series is Average.
3/ The series is average. Before March 2008, data is the average rate of BOT Repurchase Transaction.
4/ As interbank transactions in the 9-month tenor records very thin volume and there is no financial contracts referencing such benchmark, the BOT has decided to discontinue the calculation and publication of the 9-month BIBOR since 1 April 2015.
5/ The series is end of period. From Jan 17, 2007 onwards, End-of-day Liquidity Rate was separated into Lending Facility and Borrowing Facility.
6/ The series is Average.T-bill, Government Bond and BOT Bond Yield are displayed in the same category.
7/ The series is Average.State Enterprise Bonds Yield are displayed in basis point of spread over Government Bond Yield.
8/ The series is end of period.
9/ Interest rates used for retail customers. The figures have been quoted by 6 commercial banks. (Bangkok Bank, KrungThai Bank, The Siam Commercial Bank, Kasikorn Bank, Bank of Ayudhya and TMBThanachart Bank)
10/ New Loan Rates (NLR) for business sector refer to the weighted average interest rates based on the outstanding balance of new loans granted by 14 Thai commercial banks. This rate encompasses all types of loans, regardless of purpose, maturity, or whether they are secured or unsecured. However, it excludes specific loan categories such as overdraft loans, consumer loans, credit card loans, repurchase agreements, bank guarantees, as well as loans extended to financial intermediaries and public sector. The Interest rates used in the calculation is the average rate over the entire duration of the loan contract.

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