The RBI repo rate impact on home loan EMIs remains limited after the rate was held at 5.25%. The policy pause supports stable borrowing costs, but the RBI policy impact on homebuyers depends on lenders, loan benchmarks and reset dates. The Reserve Bank of India has kept the policy repo rate unchanged at 5.25% in its August 2026 monetary policy review, extending the pause for a fourth consecutive meeting. The six-member Monetary Polic