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RBI expected to hold repo rate at 5.25 as EMI relief waits longer for borrowers

RBI expected to hold repo rate at 5.25 as EMI relief waits longer for borrowers

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.

Summarised by Beize from a story on Republic on 13 May 2026
RBI signals more rate pause as inflation stays near 6% and crude prices loom

RBI signals more rate pause as inflation stays near 6% and crude prices loom

A report by Elara Capital estimates India’s FY27E CPI inflation could average 4.8% to 4.9%, pointing to the RBI extending its current repo rate pause until inflation reaches the 6% mark. However, the outlook remains sensitive to crude oil, with prices above $100 flagged as a key upside risk for inflation and future rate decisions.

Summarised by Beize from a story on Republic on 13 May 2026

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RBI cuts in FY26 only partly reached borrowers lending rates drop but not fully

RBI cuts in FY26 only partly reached borrowers lending rates drop but not fully

RBI’s repo rate cuts in FY26 were transmitted to borrowers only partially. Weighted average lending rates fell by 93 basis points, but the benefit varied across bank types and loan categories, preventing lending rates from fully matching the policy reduction. Estimates suggest borrowers gained savings of about Rs 19,000 crore, indicating room for faster pass-through.

Summarised by Beize from a story on The Economic Times on 5 May 2026
Car sales surge in April as FY27 starts with record runs for Maruti Hyundai and Kia

Car sales surge in April as FY27 starts with record runs for Maruti Hyundai and Kia

Indian carmakers kicked off FY27 with a strong jump in passenger vehicle sales in April. Maruti Suzuki, Hyundai, and Kia posted standout performances, pulling domestic sales higher. Analysts attribute the uptick to policy and financial tailwinds including GST 2.0, repo rate cuts, and income tax relief, signaling a promising beginning for the auto sector.

Summarised by Beize from a story on The Economic Times on 1 May 2026
MPC external member Ram Singh says repo hike not likely yet

MPC external member Ram Singh says repo hike not likely yet

MPC external member Ram Singh signaled that a repo rate hike is not on the cards for now, tying the decision to whether inflation triggers second-round effects. He expects the West Asia conflict to ease, which could moderate price pressures, while saying forex reserves remain adequate and open market operations will support liquidity. Growth, he adds, stays resilient despite supply risks.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026
RBI cuts repo rate by 25 bps and home EMIs may drop fast for borrowers

RBI cuts repo rate by 25 bps and home EMIs may drop fast for borrowers

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.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026

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RBI pauses repo rate again keeping home loan borrowers waiting for relief

RBI pauses repo rate again keeping home loan borrowers waiting for relief

The RBI kept the repo rate unchanged at 5.5% on October 1, 2025 for the second straight meeting, after cuts earlier this year. With inflation slightly higher and small savings rates steady, banks may struggle to push floating home loan rates down further. Loans linked to EBLR may still reset faster, but the overall window for immediate relief looks narrower.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026
RBI holds repo rate at 5 25% but warns West Asia supply shocks

RBI holds repo rate at 5 25% but warns West Asia supply shocks

The RBI kept the repo rate unchanged at 5.25%, citing persistent West Asia tensions. While its GDP and inflation forecasts stay within targets, the central bank warned that potential supply chain disruptions could still pressure inflation and weigh on growth. Despite geopolitical uncertainty, markets responded positively to the policy decision, reflecting confidence in the current stance.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026
FD investors have a last chance as RBI cuts repo rate after five years — can rates go lower

FD investors have a last chance as RBI cuts repo rate after five years — can rates go lower

The RBI has cut the repo rate by 25 basis points for the first time in nearly five years, reshaping expectations for fixed deposit returns. Despite the move, inflation concerns, slower GDP, and a weaker rupee limit room to celebrate. Any next reductions—potentially 50 to 75 bps—may hinge on inflation staying in check and global monetary conditions improving.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026
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