RBI holds rates: your home-loan EMI stays steady for now

In its February 2026 meeting, the RBI's Monetary Policy Committee kept the repo rate unchanged at 5.25%, after a rate cut in December 2025. Because most floating home loans are linked to the repo rate, existing EMIs are unlikely to change right away. The central bank cited factors like manageable inflation and slower deposit growth for choosing stability over another cut.

What it means for you: If you already have a floating-rate loan, this is breathing room — your EMI shouldn't jump in the near term. If you're a new buyer, it's a good moment to compare loan offers across lenders rather than assuming rates will keep falling. Steady rates keep buyers active but don't automatically make homes more affordable, so run the full monthly cost — EMI plus maintenance, taxes and other charges — before committing. This is information, not financial advice.