Archive · 7 Aug 2025
RBI Holds Repo Rate Steady, Maintaining Home Loan EMIs
The Reserve Bank of India (RBI) decided to keep interest rates steady, meaning the cost of home loans won't change for now.
This follows previous rate cuts earlier this year.
Experts at Morgan Stanley think there might be a rate cut later in the year.
The RBI is also optimistic about the country's economic growth, maintaining its forecast for this year.
RBI kept the repo rate unchanged at 5.50% after its bi-monthly meeting.
Home loan EMIs and interest burdens will remain the same.
RBI had previously cut the repo rate by 100 BPS between February and June this year.
Morgan Stanley anticipates a rate cut by RBI in Q4 (likely in October policy).
RBI maintained its GDP forecast at 6.5% YoY for FY26.
- Who
- Reserve Bank of India (RBI), Morgan Stanley
- What
- RBI held the repo rate at 5.50%
- When
- The RBI made the decision after its bi-monthly meeting on Wednesday
- Where
- India
- Why
- RBI's decision reflects a cautious approach to manage global headwinds and domestic stability.
Market vs. Analyst Expectations
Analyst Outlook
Interest Rate Policy
Market vs. Analyst Expectations
Some analysts expected a rate cut.
Analyst Outlook
RBI held the policy rate steady.
- Repo Rate
- 5.50%
- GDP forecast FY26
- 6.5%
- Home Loan Rates
- Start at 7.3–8%
Sources
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