RBI keeps repo rate at 5.25, holding EMIs steady after earlier cuts. Repo linked borrowers gain more than MCLR ones, and stable rates support housing demand and refinancing.
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Data shared by BankBazaar highlights the benefit of the earlier rate cuts, which continue under the current pause.
However, this opportunity may be time-bound.
With the next RBI Monetary Policy Committee (MPC) meeting scheduled for June 3–5, 2026, borrowers effectively have a window until the next policy review to reassess and optimise their loan structures before any potential shift in the rate cycle.
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