All of the usual factors, notably your risk profile, will still be at play. But the enhanced transparency could conceivably lead to lower rates in some cases as the reform would mean that banks have ...

A home loan EMI comprises of two parts – principal and interest. The principal amount of an EMI remains constant, but the interest is variable. Ever wonder why a change in the external benchmark say ...

Home loan EMIs are expected to remain steady as the RBI has held the repo rate at 5.25%. While this offers stability for the ...

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

Many borrowers are still paying loans linked to MCLR, Base Rate, or BPLR, where interest rates fall slowly. These borrowers may still be paying higher interest than repo-linked loans. Comparing ...

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.

Most home loans in India have floating interest rates. With no change in the repo rate, your EMIs are unlikely to rise for now.

Real estate and infrastructure players cite the positive impact of RBI repo rate pause at 5.25% in terms of EMI stability and borrowing-cost clarity.. Industry opinion divided on RBI repo rate pause.