RBI Keeps Repo Rate Unchanged at 5.25%: What It Means for Your Loans

• The Reserve Bank of India (RBI) maintained the repo rate at 5.25% on February 06, after a 125 basis points cut last year.
• This decision marks the last monetary policy for the current fiscal year and offers stability but no immediate relief for borrowers or depositors.
• Existing and new borrowers will see no change in their EMIs for home, auto, and personal loans, as interest rates are expected to remain steady.
• For a Rs 50 lakh home loan over 30 years at 8.20%, the EMI remains Rs 37,346, with no monthly or annual savings.
• Adhil Shetty, CEO of BankBazaar, noted that the decision reinforces RBI's focus on inflation and liquidity, with competitive home loan rates and opportunities for borrowers to optimize savings.