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Live · Auto-updated · India's #1 rate tracker

Free Loan EMI Calculator
Live Bank Rates from RBI

Free EMI calculator with instant results. Live RBI repo rate with auto-calculated home loan, personal loan and FD rates across all major Indian banks.

RBI Repo Rate
5.25
% per annum
Last changed: Dec 5, 2025
Change: ▼ 25 bps cut
Next MPC: Aug 5–7, 2026
⏸ Rate on Hold — June 2026

🏠 Home Loan Rates — June 2026

Auto-calculated

All EBLR-linked rates auto-update when RBI changes repo rate. Rates shown for 750+ CIBIL score.

Bank Rate (p.a.) Type Formula Action
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💳 Personal Loan Rates — June 2026

Updated Jun 4, 2026
Bank Rate (p.a.) Max Tenure Action

🏦 FD Interest Rates — June 2026

Updated Jun 4, 2026
Bank 1 Year FD 3 Year FD Senior Citizen Action
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🧮 Free EMI Calculator

Instant
₹
₹30,00,000
% p.a.
8.50% p.a.
Years
20 Years
₹
Annual prepayment to reduce tenure

🔮 Rate Change Impact Predictor

Unique Tool

See how your home loan EMI changes if RBI cuts or hikes the repo rate.

📊 If RBI Changes Repo Rate from 5.25%...

* Based on EBLR-linked loans. Impact reflects in EMI within 1 quarterly reset cycle (up to 3 months). Enter your loan details in the EMI calculator above first for personalised prediction.

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📅 RBI Repo Rate History

View on RBI.org.in ↗
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❓ Frequently Asked Questions

The current RBI repo rate is 5.25% as of February 2026. The RBI kept rates unchanged at its June 2026 MPC meeting. The last change was a 25 basis point cut on December 5, 2025, bringing the rate down from 5.50%.
Most home loans in India are linked to EBLR (External Benchmark Lending Rate), which is directly tied to the RBI repo rate. When RBI cuts repo rate by 25 bps, your home loan rate automatically falls by 25 bps within the next quarterly reset, reducing your EMI.
EBLR stands for External Benchmark Lending Rate. For most banks, EBLR = RBI Repo Rate + Bank's Spread. For example, SBI's EBLR = Repo Rate (5.25%) + 2.65% = 7.90%. Your actual home loan rate = EBLR + Credit Risk Premium based on your CIBIL score.
The next RBI Monetary Policy Committee (MPC) meeting is scheduled for August 5–7, 2026. The rate decision will be announced on August 7, 2026 at 10:00 AM IST by RBI Governor Sanjay Malhotra.
As of June 2026, home loan rates start from around 7.50% p.a. from SBI for borrowers with 750+ CIBIL score. Bank of Baroda and Union Bank also offer competitive rates. The exact rate depends on your credit score, loan amount and employment type.
EMI = [P × R × (1+R)^N] / [(1+R)^N − 1]. Where P = Principal loan amount, R = Monthly interest rate (Annual rate ÷ 12 ÷ 100), N = Tenure in months. Use our free EMI calculator above for instant accurate results with full amortisation schedule.

India Bank Interest Rates 2026 — Complete Guide

LoanRateCal.in is India's most accurate bank rate tracker, auto-calculating home loan, personal loan and FD rates based on the current RBI repo rate. All EBLR-linked rates update automatically when RBI changes the repo rate.

How LoanRateCal.in Auto-Calculates Bank Rates

Since October 2019, RBI mandated all banks to link floating rate loans to an external benchmark — primarily the repo rate. This means every time RBI changes the repo rate, home loan rates change automatically. LoanRateCal.in uses each bank's published EBLR spread to calculate the exact current rate for each bank in real time.

RBI Repo Rate History and Impact on Home Loans

The RBI has cut the repo rate by a cumulative 125 basis points since February 2025, bringing it from 6.50% to 5.25%. For a ₹50 lakh home loan over 20 years, this translates to approximately ₹3,800 lower monthly EMI compared to peak rates in 2023.

Best Home Loan Rates in India June 2026

Home loan rates in June 2026 start from 7.50% for top-rated borrowers at SBI. HDFC Bank, ICICI Bank, Bank of Baroda and Kotak Mahindra Bank all offer competitive rates in the 7.75%–8.50% range for salaried borrowers with CIBIL score above 750.

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