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RBI MPC Meeting 2026: Reserve Bank of India has maintained the repo rate at 5.25% in the MPC Meeting 2026. This has happened for the third consecutive time. “Means no increase in EMI, no relief”.

What will be the impact on EMI?

The direct effect of this decision is that the EMI of home loan, car loan and personal loan will remain the same as at present. “Whatever you are giving, keep giving – no relaxation now”.

Inflation forecast – RBI keeps a close eye

RBI has estimated the inflation rate to be 4.6% for FY 2026-27. Governor Sanjay Malhotra said that the target has to be brought down to 4%, hence caution is necessary at the moment. “Inflation is under control, but not completely”.

What is the meaning of neutral stance?

RBI has adopted ‘Neutral’ policy. This means that in future the interest rate may increase or decrease depending on the circumstances. “Right now a game of wait and watch is going on”.

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What are the advantages and disadvantages for the common man?

Loan takers will have to wait for the EMI to reduce. At the same time, it is good for those who invest money in FD, because the interest rate will remain stable. “Stay for those who borrow, peace for those who save”