The Reserve Bank of India (RBI) has kept the repo rate unchanged at 5.5% in its latest Monetary Policy Committee (MPC) meeting on October 1, 2025, marking the second consecutive pause after a total of 100 basis points in cuts earlier this year.

If you're a home loan borrower—or planning to become one—this pause matters. Advertisement

Most floating home loans today are linked to the repo rate through the External Benchmark Lending Rate (EBLR). When the RBI cuts the repo rate, your EMI drops or your loan tenure shortens. But with no cut this time, don’t expect relief—yet.

So, is this the end of the rate-cut cycle? Not necessarily.

Inflation is still low by historical standards—2.07% in August, up slightly from July’s 1.61%, but well within the RBI’s 2–4% comfort zone. That gives the cen

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