RBI Cuts Repo Rate; BoB Lowers Loan Rates, EMIs Cheaper from Dec 6, 2025

• The Reserve Bank of India (RBI) reduced the repo rate by 0.25% to 5.25%.
• Bank of Baroda (BoB) cut its Baroda Repo Based Lending Rate (BRLLR) by 25 basis points (0.25%).
• BoB's new BRLLR, effective December 6, 2025, will be 7.90% (down from 8.15%).
• The rate cut is expected to make home, auto, and other retail loans cheaper, offering EMI relief to customers.
• The RBI's Monetary Policy Committee made the decision between December 3-5, announced by Governor Sanjay Malhotra.

Why It Matters: RBI's rate cut means cheaper loans and lower EMIs for customers.