Savings in several lakhs! How much money has RBI put in your pocket with repo rate cut? Loan EMIs to come down

Loan borrowers - whether home, car or personal, have been given an early New Year cheer by the Reserve Bank of India (RBI). The Monetary Policy Committee (MPC) has cut the repo rate by 25 basis points to 5.25% - taking the total rate cut this year to 125 basis points. RBI governor Sanjay Malhotra announced the MPC’s decision on Friday, in the last monetary policy meeting of calendar year 2025. Economists and experts had been sharply divided on whether the RBI could cut repo rate - even though CPI inflation is at a record low, the recent GDP growth data showing that the Indian economy grew at a six-quarter high number of 8.2% suggested that the central bank may not go for a growth impetus. “...inflation dipped further to a mere 0.3 per cent in October 2025. On the other hand, rea