Rate Watch

What moves your loan rate

Every RBI decision and bank rate change, explained in three lines: what happened, what it does to your EMI, and what to do now. See the current numbers on our loan rates page.

15 October 2026

RBI Raises Repo Rate to 5.50%: What It Means for Your EMI

The RBI raised the repo rate from 5.25% to 5.50% on 7 October 2026, and banks began raising loan rates from 8 October. What happens to your Home Loan, LAP and business loan EMI, and what to do now.