Your EMI stays put — here's what to do with your FD now
Know moreRBI didn't change interest rates again — that's four meetings in a row. Your home loan EMI stays exactly where it is. And FD rates are still sitting around 7–7.5% at most major banks — probably as good as they're going to get.
Good news if you have a home loan: your EMI isn't changing anytime soon. RBI held its benchmark interest rate (called the repo rate) steady at 5.25% for the fourth meeting in a row — so banks have no reason to move your loan rate up or down right now. With prices cooling and slowing global growth, a rate cut could come in the next few months — which would actually bring your EMI down slightly.
You don't need to do anything dramatic — just don't let a good FD rate window quietly close on you.
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