PNB Lowers Home Loan Rate to 8.10% After RBI Repo Cut; EMI Impact

• PNB reduced its Repo Linked Lending Rate (RLLR) to 8.10% from 8.35%, effective December 6, 2025.
• This reduction follows the RBI's 25 bps repo rate cut to 5.25% on December 5, 2025.
• EMIs for RLLR-linked home loans may decrease at the next reset date, while MCLR/Base Rate loans remain unchanged.
• New PNB home loan borrowers will benefit from the revised 8.10% interest rate.
• Indian Bank also cut its repo-linked benchmark lending rate to 7.95%.

Why It Matters: This could lower your RLLR-linked home loan EMI or make new loans cheaper.