All of the usual factors, notably your risk profile, will still be at play. But the enhanced transparency could conceivably lead to lower rates in some cases as the reform would mean that banks have ...

A home loan EMI comprises of two parts – principal and interest. The principal amount of an EMI remains constant, but the interest is variable. Ever wonder why a change in the external benchmark say ...

India's 10-year bond yields fell in the first half of 2025 but have been on the rise ever since.

Floating rates work well for borrowers who expect income growth or plan to prepay, since lower starting rates magnify long-term savings ...

As banks reduce their lending rate, following the RBI’s rate cuts, the principal component of EMI increases month-on-month, ...

Home loan EMIs are expected to remain steady as the RBI has held the repo rate at 5.25%. While this offers stability for the ...

Many borrowers are still paying loans linked to MCLR, Base Rate, or BPLR, where interest rates fall slowly. These borrowers may still be paying higher interest than repo-linked loans. Comparing ...

RBI has kept the repo rate unchanged at 5.25% after cutting it by 125 bps in 2025. Home loan EMIs are likely to stay stable, with borrowers already enjoying sizeable savings.