Repo Rate vs MCLR linked Home Loans

Banks give money to individual seekers like us, as well as to businesses - as a loan.  From where do Banks get the money to give us such loans? They get it through various deposits that their clients (like us) make. And from where else? Major chunk of the money that the bank gets, comes from the federal bank i.e. RBI in our case. What is the rate of interest that RBI charges from the banks?