<div id="readability-page-1"><div id="parent_top_div">The Reserve Bank of India’s Monetary Policy Committee (MPC) on April 8 held the repo rate at 5.25 per cent, continuing its pause after a series of rate cuts over the past year. For home loan borrowers, the decision signals stability. Since most home loans are linked to benchmarks such as the repo rate, an unchanged policy rate means EMIs will remain steady in the near term. Banks are also expected to hold lending rates unless there is a shift in liquidity conditions or policy stance. “Keeping rates steady means stability for current and future home loan borrowers. EMIs will remain unchanged, which makes planning for the future easier. This is especially good news for people buying homes, who can now move forward with more confidence,” said Anuj Puri, Chairman, ANAROCK Group. How do home loan borrowers gain from RBI’s decision? Though the decision does not bring fresh relief, borrowers have already gained from the cumulative 125 basis points reduction in the repo rate since early 2025. These cuts have translated into lower borrowing costs, reduced EMIs, and interest savings over the life of home loans, particularly for those whose loans have fully adjusted to the rate cycle. So, how does this translate into actual benefit? According to Adhil Shetty, CEO of BankBazaar.com, “On a ₹50 lakh, 20-year loan, that translates to an EMI saving of around ₹3,050 per month and a lifetime interest saving of approximately ₹7.34 lakh. On a ₹75 lakh loan, the monthly saving is approximately ₹5,800, with total interest savings of around ₹13.94 lakh. A rate hold keeps these gains intact.” He added that borrowers still on MCLR-linked products are not seeing this benefit automatically and should switch to a repo-linked loan without delay. “Those paying 50 basis points or more above current market rates should explore refinancing now,” Shetty said. What are banks charging for home loans? According to data shared by Policy Bazaar: Public sector banks State Bank of India: Up to ₹30 lakh: 7.25–8.70% ₹30–75 lakh: 7.25–8.70% Above ₹75 lakh: 7.25–8.70% Bank of Baroda: Up to ₹30 lakh: 7.20–9.00% ₹30–75 lakh: 7.20–9.00% Above ₹75 lakh: 7.20–9.25% Union Bank of India: Up to ₹30 lakh: 7.15–9.50% ₹30–75 lakh: 7.15–9.50% Above ₹75 lakh: 7.15–9.50% Punjab National Bank: Up to ₹30 lakh: 7.25–9.10% ₹30–75 lakh: 7.20–9.00% Above ₹75 lakh: 7.20–9.00% Bank of India: Up to ₹30 lakh: 7.10–10.00% ₹30–75 lakh: 7.10–10.00% Above ₹75 lakh: 7.10–10.25% UCO Bank: Up to ₹30 lakh: 7.15–9.25% ₹30–75 lakh: 7.15–9.25% Above ₹75 lakh: 7.15–9.25% Bank of Maharashtra: Up to ₹30 lakh: 7.10–9.90% ₹30–75 lakh: 7.10–9.90% Above ₹75 lakh: 7.10–9.90% Indian Overseas Bank: All slabs: 7.10% onwards Indian Bank: Up to ₹30 lakh: 7.15–9.55% ₹30–75 lakh: 7.15–9.55% Above ₹75 lakh: 7.15–9.55% Central Bank of India: Up to ₹30 lakh: 7.10–9.15% ₹30–75 lakh: 7.10–9.15% Above ₹75 lakh: 7.10–9.15% Private sector banks Kotak Mahindra Bank: All slabs: 7.70% onwards ICICI Bank: All slabs: 7.45% onwards Axis Bank: Up to ₹30 lakh: 8.00–11.90% ₹30–75 lakh: 8.00–11.90% Above ₹75 lakh: 8.00–9.10% HSBC Bank: All slabs: 7.45% onwards South Indian Bank: All slabs: 7.20% onwards Karur Vysya Bank: All slabs: 8.50–10.65% Karnataka Bank: All slabs: 7.31–11.69% Federal Bank: Up to ₹30 lakh: 8.30–10.75% ₹30–75 lakh: 7.30–10.75% Above ₹75 lakh: 7.30–9.75% Tamilnad Mercantile Bank: All slabs: 7.90–9.30% Bandhan Bank: All slabs: 8.41–12.58% RBL Bank: All slabs: 8.20% onwards CSB Bank: All slabs: 8.30% onwards HDFC Bank: All slabs: 7.75% onwards City Union Bank: Up to ₹30 lakh: 8.25–9.50% ₹30–75 lakh: 8.50–10.00% Above ₹75 lakh: 8.75–10.50% Housing finance companies (HFCs) LIC Housing Finance: All slabs: 7.15% onwards Bajaj Housing Finance: All slabs: 7.15% onwards Tata Capital: All slabs: 7.50% onwards PNB Housing Finance: All slabs: 7.50% onwards GIC Housing Finance: All slabs: 8.20% onwards SMFG India Home Finance: All slabs: 10.00% onwards Sammaan Capital (formerly Indiabulls Housing Finance): All slabs: 8.75% onwards Aditya Birla Capital: All slabs: 7.75% onwards ICICI Home Finance: All slabs: 7.50% onwards Godrej Housing Finance: All slabs: 7.60% onwards</div></div>

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印度儲備銀行（RBI）將回購利率維持在 5.25%，這表明對住房貸款借款人的穩定性。這一決定意味着每月還款額（EMI）將保持不變，使借款人能夠自信地規劃未來。自 2025 年初以來，回購利率累計降低了 125 個基點，已經導致借款成本降低和住房貸款顯著的利息節省。鼓勵借款人轉向與回購利率掛鈎的貸款以獲得更好的收益。各銀行當前的貸款利率也有詳細説明，顯示不同貸款金額的利率範圍

RBI repo rate at 5.25%: Save up to Rs 14 lakh on Rs 75 lakh home loan EMI

- 印度儲備銀行在 4 月 8 日將回購利率維持在 5.25% 不變。  
- 此決定為房貸借款人帶來穩定，EMI 預計保持不變。  
- 貸款成本因去年累計降息 125 個基點而降低，借款人將受益。

印度儲備銀行的回購利率為 5.25%：在 750 萬盧比的房貸等額本息貸款上最多可節省 140 萬盧比