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In the calculation of the Marginal Cost of Funds based Lending Rate (MCLR), the Marginal Cost of Borrowings is given a weightage of 92%, while the Return on Net Worth is given a weightage of 8%. This means that the cost of borrowing funds to the bank has a significantly larger influence on the overall MCLR than the return generated by the bank's capital. The MCLR is composed of four main components: the Marginal Cost of Funds (MCOF), Negative Carry on Cash Reserve Ratio (CRR), Operating Costs, and Tenor Premium. The MCOF is the average rate at which a bank raises deposits with similar maturities, and it's a key component of the MCLR. To calculate the MCOF, the bank considers weighted average borrowed capital ( cost of borrowings ) and owned capital (return on networ th )
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