Mumbai, Sept. 10 -- If you are planning to take a loan, get ready for a frequent change in your loan rates. The Reserve Bank of India (RBI) last week issued a circular making it mandatory for banks to link all new floating rate personal or retail loans and floating rate loans to MSMEs to an external benchmark effective October 1. "It has been observed that due to various reasons, the transmission of policy rate changes to the lending rate of banks under the current MCLR (marginal cost of funds based lending rate ) framework has not been satisfactory," said the central bank....