The RBI’s 25-basis-point repo rate hike could increase EMIs for borrowers with floating-rate home loans as banks transmit higher rates. For a ₹50-lakh, 20-year loan, even a 25-bps increase can add several hundred rupees to the monthly payment. The actual impact depends on the lender, outstanding principal, remaining tenure, and loan benchmark.
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How RBI’s Repo Hike Impacts Your EMI
