RBI Holds Rates: What Your EMI Does Next?

RBI kept the repo rate unchanged in its latest meeting but GDP growth for FY27 is expected to slow to 6.9%. Here's what that means for your loans, savings, and investments right now.

Here's what happened: RBI's Monetary Policy Committee held the repo rate steady after cutting it by 0.25% earlier in 2025, signalling a cautious pause.. India's GDP growth for FY27 is projected to moderate to around 6.9%, down from earlier higher estimates, reflecting global uncertainty.. Inflation is easing but remains a watch factor — RBI is balancing growth support with price stability before cutting rates further..

What you should do: Call your bank or check your loan statement — ask if the earlier 0.25% repo cut has been passed on to your floating rate EMI yet.. If your home or personal loan is on a fixed rate, compare current floating rate offers — a switch could save thousands annually.. Avoid locking all savings into long-term FDs right now — if more rate cuts come, FD rates will fall, so ladder your deposits across 1, 2, and 3-year tenures..

Banks must reset floating rate loans linked to an external benchmark (like repo) within 3 months of an RBI rate change — if yours hasn't, file a complaint with your bank's grievance cell.