RBI holds repo rate at 5.25%, home loan EMIs stable

The Reserve Bank of India's Monetary Policy Committee kept the repo rate unchanged at 5.25% on August 5, signaling stability for home loan borrowers. EMIs are expected to remain steady, with banks likely to hold lending rates. Borrowers have already benefited from cumulative 125 basis point cuts since early 2025, saving over Rs 9 lakh in interest on a Rs 50 lakh loan. Experts say the focus is now on transmission of past cuts.