RBI Cut Rates 4 Times. Why Hasn't Your EMI Fallen?(MCLR vs EBLR Explained)

Описание: The RBI cut rates 125 bps in 2025. If your EMI hasn't changed, here's exactly why — and the one thing you should do this week.
In 2025, the Reserve Bank of India (RBI) cut the repo rate four times, dropping it from 6.50% to a multi-year low of 5.25%
. A 125 basis point rate cut should save you roughly ₹3,000 to ₹5,000 every single month on your home loan EMI
. Yet, millions of Indian borrowers haven't seen a single rupee in savings
.
Why? It all comes down to the hidden system your loan is linked to: Base Rate, MCLR, or EBLR
. In this video, we decode the actual economic mechanisms behind how banks calculate your home loan interest rate and explain why they delay passing on RBI rate cuts to protect their profit margins
. More importantly, you'll learn the exact 4-step process to check your loan type, calculate your potential savings, and switch to an External Benchmark Lending Rate (EBLR) to stop overpaying your bank and save lakhs over your tenure
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