Proposed Base Rate will include all elements of those costs can be clearly identified and common across borrowers. Constituents from ground level will include (i) the level of retail deposit interest card (deposits below Rs 15 lakh.) With the maturity of one year (adjusted for deposit CASA), (ii) negative adjustments to bring in connection with the CRR and SLR, ( iii) unallocatable overhead costs for banks which will consist of a set of minimum elements of overhead costs, and (iv) return on average net