The RBI is widely expected to keep the repo rate unchanged at 5.25% in its next policy review, delaying any meaningful fall in home-loan EMIs. With retail inflation projected to hover around the 4.9% range, the central bank appears focused on stability rather than quick rate cuts, even as borrowers wait for cheaper repayments.
RBI has reduced the repo rate by 25 basis points, offering fresh relief to home loan borrowers by potentially lowering floating-rate interest rates. On a 20-year loan, EMIs are expected to fall notably, though the extent depends on how lenders recalibrate pricing. Further cuts hinge on inflation staying subdued and growth risks, with timing unclear.
Your news, in seconds
Get the Beige app — every story in 60 words, updated hourly. Free on iOS & Android.
Swipe through stories, personalise your feed, and save articles for later — all on the app.
