In a move that brings some relief to borrowers, the Reserve Bank of India (RBI) has decided to keep the repo rate unchanged at 5.25%. This means home loan EMIs are unlikely to rise for now, giving buyers and existing borrowers a bit more stability.
announced that the Monetary Policy Committee (MPC) has unanimously voted to keep the key lending rate unchanged.
The decision comes at a time when global uncertainties remain high, especially due to tensions in West Asia. The central bank has chosen to take a careful approach while keeping a close watch on how the situation evolves.
Notably, the repo rate has not changed since December 2025, when it was last revised.
For those planning to buy a house—or already paying a home loan—this decision is clearly positive. With no change in the repo rate, banks are expected to keep lending rates steady, which means EMIs will remain unchanged for now.
This gives borrowers better clarity and makes financial planning easier, especially at a time when many households are already managing tight budgets.
According to Anuj Puri, Chairman of ANAROCK Group, the RBI’s decision reflects a balanced and cautious stance. He noted that while uncertainties still exist, recent signs like a ceasefire in West Asia offer some hope for stability going forward.
“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,” he says.
With rates unchanged and inflation largely under control, the housing sector could see improved momentum in the coming months. As economic clarity improves, buyer sentiment is also expected to pick up gradually.
For now, stability seems to be the key theme—something both borrowers and the property market will welcome.