RBI has kept the repo rate unchanged at 5.25% after cutting it by 125 bps in 2025. Home loan EMIs are likely to stay stable, with borrowers already enjoying sizeable savings.

The full benefit of RBI’s 125 basis points rate cut last year is yet to flow evenly to non-bank borrowers or those with older benchmark-linked loans. Changing lenders or part prepayment may ease their woes.

A recent survey by Moneycontrol and Deloitte reveals that most Indian industry executives anticipate a repo rate cut by the Reserve Bank of India (RBI) in the next six months.

RBI’s Monetary Policy Committee meets for the last time in FY26 amid Budget FY27, higher government borrowing and the India-US trade deal.

Over the last year, the Reserve Bank of India has supported the government bond market through purchases. The market is concerned that similar support may be absent next year. Our currency has been weakening for quite some time,

As banks reduce their lending rate, following the RBI’s rate cuts, the principal component of EMI increases month-on-month, thereby affecting the overall loan tenure.

RBI Governor Sanjay Malhotra keeps repo rate unchanged at 5.25%, pegs FY26 GDP growth at 7.4%, projects FY26 inflation at 2.1%, sees FY27 Q1 inflation at 4%, forex reserves at $723.8 billion

The RBI is likely to keep the repo rate steady at 5.25% in February, emphasizing liquidity management over rate cuts. Analysts note that government borrowing and trade improvements create a cautious backdrop for monetary policy,

The Reserve Bank of India has maintained the repo rate at 5.25%, impacting home loan borrowers, especially those tied to this rate. This decision follows a series of cuts in late 2025 aimed at easing borrowing costs.