RBI keeps repo rate at 5.25% in August, home loan EMIs stay steady
By Naveen Kumar, Director at Triverse Homes
The Reserve Bank of India's Monetary Policy Committee left the repo rate unchanged at 5.25% at its August 2026 meeting. For home loan borrowers, that means no immediate change to what they pay each month.
Floating-rate loans tied to an external benchmark such as the repo rate are unlikely to see EMIs move, and fixed-rate loans stay locked for their fixed period. Angel One gives the example of a Rs 50 lakh floating loan at 9% with 20 years left, where the EMI of Rs 44,986 simply stays the same.
For buyers planning a purchase, a stable rate makes budgeting easier. It is still worth comparing lenders' spreads over the repo rate, since that margin is where the real savings are.
Source: Business Standard ↗
Naveen Kumar
Naveen Kumar is a Director at Triverse Homes with more than 16 years in real estate. He has an in-depth understanding of the market, from how projects are priced and launched to what drives their value on resale.
He is especially strong on HUDA (now HSVP) regulations and RERA: licences, approvals, allotment and transfer rules, and the rights buyers have when timelines slip. In his updates he explains what each change in the market or the law means in practice for anyone buying, selling or investing in Gurgaon.
