Good economy news, bad EMI news
India's economy grew faster than expected at 7.8% last quarter — genuinely good news. But here's the catch: when the economy runs this hot, the RBI (the central bank that sets interest rates) has less reason to bring rates down. That means your home loan and other floating-rate EMIs could stay expensive for another 6–12 months.
India's economy grew 7.8% last quarter — that's genuinely great. But for anyone with a home loan or personal loan, there's a catch.
When the economy grows this fast, the RBI (India's central bank, which controls borrowing rates) has little reason to cut rates — and may even nudge them higher. On a ₹50 lakh home loan, even a 0.25% rate increase adds roughly ₹800–900 to your monthly EMI.
A strong economy is broadly good news — just make sure your EMI plan accounts for rates staying put a while longer.
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