EMI Stability Continues: RBI Holds Repo Rate At 5.5 Percent

The Reserve Bank of India has maintained the repo rate at 5.5 percent for the second consecutive meeting, offering relief to home loan borrowers amid inflationary concerns.

Impact On Borrowers:
  
- No immediate change in EMIs for existing floating-rate home loans  
- Banks may delay passing on earlier rate cuts, keeping interest rates stable  
- Borrowers under EBLR regime benefit from quicker rate adjustments  
- Fixed-rate loans remain unaffected unless refinanced  
- GST reductions on housing services may further ease overall homeownership costs

Market Context:  

- RBI paused after cumulative 100 bps cut earlier this year  
- Residential sales dipped 9 percent in Q3 2025, but value rose 14 percent, indicating premium demand

Sources: News18 Banking Desk, Economic Times Wealth Bureau, NDTV Profit Personal Finance Tracker