RBI Repo Rate: The Reserve Bank of India (RBI) has not made any changes to the repo rate, but this has had no impact on home loan EMIs and interest rates.

RBI did not make any change in the repo rate.

RBI Repo Rate: The Reserve Bank of India (RBI) provides short-term loans to commercial banks at a rate known as the repo rate. According to the latest Monetary Policy (MPC) for April 2026, the RBI has not made any changes to the repo rate. It has remained unchanged at 5.25 percent. This is benefiting home loan borrowers by lakhs of rupees. This was also the market's expectation, and the RBI has lived up to these expectations.

The RBI hasn't changed the repo rate, but why?
In this time of rising inflation, the RBI's decision to keep the repo rate unchanged is good news for borrowers. Amidst the US-Iran war, many problems are already being faced: gas cylinder shortages and transportation costs. In such a situation, the RBI has focused on providing relief rather than making changes. This will ensure that people don't face any problems, and the impact of the previous rate cuts is fully visible.

Home loan borrowers will benefit only.
The RBI's decision to keep the repo rate unchanged won't immediately impact home loan EMIs. However, borrowers have already benefited significantly due to the 2025 basis point cut. Home loan interest rates will remain unchanged. If you have long-term plans, budgeting for them will be easier. Experts believe that the biggest benefit of the repo rate remaining unchanged will be for those planning to buy a home for the first time.

Real estate will also be affected.
The real estate business relies heavily on loan interest rates. Therefore, a rise or fall in the repo rate has a significant impact on the market. When loan rates are known in advance, more people begin planning property purchases. Developers can also plan to improve their projects. Therefore, this is a good deal for real estate.