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Home / Finance / Home Loan / Is RBI Reduced Home Loan Interest Rate?
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Is RBI Reduced Home Loan Interest Rate?

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Summary
Yes, the RBI has reduced rates over the past year, bringing the repo rate down from 6.5% to 5.25% through a series of cuts between February 2025 and December 2025, with a pause in February 2026. Since most home loans are linked to the repo rate, banks have correspondingly lowered their lending rates, resulting in reduced EMIs for existing floating-rate borrowers and cheaper new loans for homebuyers.
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