How will RBI keeping repo rate unchanged affect home loan EMIs?

With RBI keeping the repo rate unchanged at 5.25%, home loan EMIs and other loan interest rates are unlikely to change immediately, particularly for borrowers with floating-rate loans. Fixed-rate home loans will also remain unaffected. However, borrowers with loans linked to internal benchmarks such as the Marginal Cost of Funds-Based Lending Rate (MCLR) may still see banks revise interest rates.