For a long time, everything has changed and is very stable until now. This question has been debated. BPLR vary from bank to bank. In addition, the variation is quite wide, spanning more than 4% at times. Therefore, much debate has been going on for several years to replace the same with the new benchmark.Working Group established in the Price Benchmark Lending Rate (BPLR) in the report submitted in October 2009, also feels that "BPLR has tended out of sync with market conditions and not simply respond to changes in monetary policy. In addition, the tendency of banks to lend at rates sub-BPLR large scale raises concerns transparency ... .. On account of competitive pressures, the bank loans at a level that does not make sense commercially "Therefore, the Group is of the view that the lending rates that remain prime reference (BPLR) system has fell short of expectations in its original intention to increase transparency in lending rates charged by banks and need to be changed.