Whenever the Reserve Bank of India (RBI) reduces the repo rate, it’s a matter of relief for borrowers whose home loan s are linked with the repo rate. After the central bank cut the repo rate by 25 bps today (Friday, December 5, 2025), such borrowers can soon expect a home loan interest rate cut. Borrowers with loans linked to External Benchmark Lending Rate (EBLR) will get the fastest rate cut relief, while loans linked to Marginal Cost of Funds based Lending Rate (MCLR) and Repo Linked Lending Rate (RLLR) will get it later.

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But if you are a borrower with their home loan linked with either of the loan regimes- EBLR, MCLR, RRLR- in how many days can your home loan interest rate come d

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