Repo Rate Is Paar: 2025 RBI Update, Interest Rate Impact & Latest News
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[image: Repo Rate Is Paar trending graph with RBI logo]
Repo Rate Kya Hai Aur Kyun Important?
Repo Rate Is Paar ka matlab samajhna zaroori hai pehle. Repo rate wo interest rate hai jo RBI banks ko short-term loans dene ke liye charge karta hai, jab banks securities ke against paise lete hain. Yeh RBI ka primary tool hai inflation control aur economic growth balance karne ke liye.
Jab repo rate cut hota hai, banks ka borrowing cost kam hota hai, jo ultimately customers ke loans saste bana deta hai. 2025 mein Repo Rate Is Paar ki baat chal rahi hai kyunki inflation low hai aur growth boost chahiye. India mein yeh rate directly affect karta hai home loans, FD rates, stock market aur overall economy ko.
Yeh mechanism RBI Monetary Policy Committee (MPC) decide karta hai, Governor Sanjay Malhotra ke leadership mein. Simple words mein, repo rate gire to paise saste, economy chalti hai fast.
2025 Mein Repo Rate Ka History
2025 shuru hua tha repo rate 6.5% se, February mein pehla cut 25 bps to 6.25%. Phir gradually cuts aaye kyunki CPI inflation 4% target se neeche raha, around 3.2-3.7%.
June 2025 mein bada cut tha 50 bps to 5.5%, third consecutive cut banake total 100 bps reduction. CRR bhi cut hua 100 bps, Rs 2.5 lakh crore liquidity inject karne ke liye. Yeh sab growth stimulate karne ke liye tha, post global uncertainties ke baad.
September-October mein stable raha 5.5%, lekin December tak expectations thi aur cut ki. Poora saal mein repo rate 6.5% se gire to 5.25%, borrowers ke liye badi relief.
Repo Rate Changes 2025 Table
| Date | Previous Rate | New Rate | Cut (bps) | Reason |
|---|---|---|---|---|
| Feb 2025 | 6.5% | 6.25% | 25 | Growth boost |
| April/May | 6.25% | 6.0% | 25 | Low inflation |
| June 2025 | 6.0% | 5.5% | 50 | Liquidity infuse |
| Dec 2025 | 5.5% | 5.25% | 25 | Neutral stance |
External link: RBI Official Policy Page (DoFollow)
Latest December 2025 RBI Decision
Aaj 5 December 2025 ko RBI MPC ne announce kiya repo rate 25 bps cut karke 5.25% par, unanimous decision mein. Governor Sanjay Malhotra ne kaha yeh resilient growth aur low inflation ke backdrop mein hai. Stance neutral rakha gaya.
Expectations thi unchanged 5.5% ki, lekin cut aaya kyunki inflation projections downward revise hue. Yeh decision close call tha, analysts bol rahe hain easing cycle shuru ho gaya. MPC meeting 3-5 Dec thi, 10 AM announcement.
Repo Rate Is Paar ka yeh latest update borrowers ko cheer de raha hai, especially home aur auto loans walon ko. Banks ko ab lending rates adjust karne honge gradually.
[image: RBI Governor Sanjay Malhotra announcing repo rate cut December 2025]
Internal link: Pichle saal ke cuts padhein
Repo Rate Cut Ka Interest Rates Par Impact
Repo Rate Is Paar hone se benchmark lending rates girte hain. Home loan rates ab 7.5-8% ke around aa sakte hain from 8.5-9%. Banks transmission slow hota hai, 1-2 cycles lagta hai reflect hone mein.
Reverse repo rate bhi adjust hota hai, usually 100 bps neeche. Yeh liquidity badhata hai banking system mein. Overall, interest rates cycle down ja raha hai 2025 end tak.
Investors ke liye, bond yields girenge, stock market rally kar sakta hai jaise June cut ke baad hua. FD rates bhi thode kam honge, lekin abhi attractive 6-7%.
Home Loan, EMI Aur Personal Loan Par Asar
Sabse bada impact home loans par! Example: Rs 75 lakh loan, 20 years, 8.5% pe EMI Rs 65,087 tha. 100 bps cut ke baad 7.5% pe Rs 60,419, saving Rs 11 lakh interest!
Repo Rate Is Paar se EMI ya tenure kam kar sakte ho. Floating rate loans auto-adjust hote hain. Personal loans, car loans bhi saste, EMIs 5-10% gir sakte hain.
Calculate karne ke liye: EMI formula use karo – P * r * (1+r)^n / ((1+r)^n -1). Yahan r monthly rate hai. Banks jaise SBI, HDFC jaldi pass-on karte hain cuts.
EMI Savings Example Table (Rs 50 Lakh Home Loan, 20 Yrs)
| Interest Rate | Monthly EMI | Total Interest | Savings |
|---|---|---|---|
| 9% (Pre-2025) | Rs 44,986 | Rs 58 lakh | – |
| 8.5% | Rs 43,391 | Rs 54 lakh | Rs 4L |
| 7.5% (Post-Cut) | Rs 39,937 | Rs 46 lakh | Rs 12L |
External DoFollow: BankBazaar EMI Calculator
Economy Aur Investors Ke Liye Kya Matlab?
Repo Rate Is Paar economy ko boost dega – consumption badhega, real estate active hoga, GDP growth 7%+ target hit karne mein madad. Inflation low rehne se RBI confident hai.
Stock market mein auto, realty stocks surge, jaise June mein Ashok Leyland upar gaya. Gold, bonds safe bets, equity mein rate-sensitive sectors best.
Savers ke liye FD yields kam, lekin debt funds better return denge. Long-term, yeh growth story strong banayega India ki.
Future Outlook: Agla Cut Kab?
Analysts bol rahe hain February 2026 mein aur 25 bps cut possible, repo 5% tak. Global factors jaise US rates, tariffs monitor karenge RBI.
Repo Rate Is Paar trend jaari rahega agar inflation 4% se neeche. Investors ko ab borrow karne ka time, wait mat karo!
Watch next MPC for updates. Yeh 2025 ka end perfect borrower-friendly note par.
FAQ
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Repo Rate Is Paar kab hoga next? Feb 2026 likely.
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Mera home loan EMI kitna kam hoga? 100 bps cut se 8-10% EMI down.
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FD rates girenge? Haan, gradually 6-7% tak.
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