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India Finance

RBI Rate Cut March 2026: Exact EMI Reduction on Your Home Loan

· 9 min read

The Reserve Bank of India's Monetary Policy Committee cut the repo rate by 25 basis points to 6.25% in its March 2026 meeting — the second consecutive cut in the current easing cycle. For a ₹50 lakh home loan borrower on a floating rate, this translates to an EMI reduction of approximately ₹826/month or an interest saving of ₹1.98 lakh over the remaining loan tenure. Here's the exact math and what borrowers should do now.

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Reserve Bank of India neoclassical stone colonnade at dawn with a brass balance scale in the foreground and a downward-trending interest rate graph projected on the facade — representing the April 2026 repo rate cut to 6.00%
India Finance · 9 min read

RBI Rate Cut April 2026: Repo Rate at 6.00% — Exact EMI Savings for Every Loan Size

The RBI Monetary Policy Committee cut the repo rate by 25 basis points on April 9, 2026, bringing it to 6.00% — the second cut in 2026 after the February cut to 6.25%. For borrowers with floating-rate home loans, this means meaningful EMI relief: a ₹50 lakh, 20-year loan saves approximately ₹770–₹900 per month compared to the pre-cut rate. We model the exact EMI savings for ₹30L, ₹50L, and ₹75L loans and explain the difference between EBLR and MCLR transmission.