The EMI secret banks will not tell you: Here's how to cut your EMI after RBI slashes rates

When the Reserve Bank of India (RBI) announced a 25-basis point repo rate cut in February 2025 — the first reduction in nearly five years — millions of Indian borrowers welcomed the news. Lower repo rates usually mean reduced loan interest rates and lighter EMI burdens. However, for many existing borrowers, the impact was not immediate. Despite rate cuts, their monthly EMIs in March and April remained unchanged. Now, the central bank has announced a second rate cut.

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