EMI reduction
SBI Reduces Lending Rates by 25 Basis Points Following RBI Policy Cut: What Borrowers Need to Know
Dec 13, 2025 12:05 pm CST
State Bank of India has announced a 25 basis point reduction in its lending rates effective December 15, 2025, following the Reserve Bank of India's policy rate cut. This change will lower the EBLR to 7.90% and MCLR by 5 basis points across all tenures, making loans more affordable for both existing and new borrowers. Indian Overseas Bank has also implemented similar rate cuts, benefiting retail, MSME, and corporate customers.
RBI Cuts Repo Rate to 5.25% as Inflation Hits Historic Low: Impact on Loans and Savings
Dec 05, 2025 01:44 pm CST
The Reserve Bank of India has reduced the repo rate by 25 basis points to 5.25% amid record-low inflation of 0.25% and a weakening rupee. This article examines how this policy change affects borrowers and savers, the mechanics of repo rate adjustments, and their impact on various loan types including home, auto, and MSME loans.