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The move came within hours of Reserve Bank Governor Raghuram Rajan blaming banks for not passing the benefits of two repo rate cuts to borrowers and termed as "nonsense" the lenders claim that cost of fund was still high.

"The banks marginal cost of funding (has) fallen, the notion that it hasn't fallen, is nonsense; it has fallen!" Rajan told reporters during the post policy meeting here today.

The Reserve Bank of India in its monetary policy review earlier in the day left repo rate unchanged at 7.5 per cent.

An HDFC Bank official said the decision to cut lending rate was taking in the Asset Liability Committee meeting held today after the monetary policy announcement.

The bank has also lowered fixed deposit rate by 0.25 per cent across various maturities.