RBI ne 7 October ko repo rate 5.25% se badhakar 5.50% kar diya — 25 basis points ka hike, lagbhag 4 saal baad pehli baar.
Aur banks ne der nahi lagayi. Agle hi din — 8 October tak — 7 banks ne apne loan rates badha diye. Matlab jiska floating-rate home loan, car loan ya personal loan chal raha hai, uski EMI badhne wali hai. Ya tenure lamba hoga. Dono me se ek to pakka.
Chalo dekhte hain kis bank ne kitna badhaya, tumhari EMI par iska exact asar kya hoga, aur ghabrane ke bajaye karna kya chahiye.
Kis Bank ne Kitna Rate Badhaya? (Verified List)
Ye sab repo-linked lending rates hain — RBI ke hike ke turant baad revise hue:
| Bank | Pehle | Ab | Badhnotari | Lagoo |
|---|---|---|---|---|
| Punjab National Bank (PNB) | 8.10% | 8.35% | +0.25% | 8 Oct |
| Bank of Baroda | 7.90% | 8.15% | +0.25% | 8 Oct |
| Indian Bank | 7.95% | 8.20% | +0.25% | 8 Oct |
| Bank of India | — | 8.35% | +0.25% | 7 Oct |
| Indian Overseas Bank | 8.10% | 8.35% | +0.25% | 8 Oct |
| Karur Vysya Bank | 8.55% | 8.80% | +0.25% | 8 Oct |
| Tamilnad Mercantile Bank | 8.25% | 8.50% | +0.25% | 8 Oct |
Ek important detail: PNB ne sirf repo-linked rate (RLLR) badhaya hai — uska MCLR aur Base Rate abhi unchanged hai. Matlab jiska loan MCLR se linked hai, us par abhi asar nahi hoga. Ye farak samajhna zaroori hai, aage batata hu.
Aur ye sirf shuruaat hai — baaki banks bhi agle kuch dino me apne rates revise kar sakte hain (ye ummeed hai, confirmed nahi).
Tumhari EMI Kitni Badhegi? (Verified Calculation)
Seedhi baat, seedha hisaab. 25 bps = 0.25% ka hike.
Example 1: ₹50 lakh home loan, 20 saal
- Pehle (8.50% par): EMI ₹43,391/month
- Ab (8.75% par): EMI ₹44,186/month
- Farak: +₹795 har mahine, saal me +₹9,540
Example 2: ₹40 lakh home loan, 20 saal
- Pehle (8.50% par): EMI ₹34,713/month
- Ab (8.75% par): EMI ₹35,348/month
- Farak: +₹635 har mahine
Upar ke saare numbers standard EMI formula se calculate kiye gaye hain — tum khud EMI calculator par verify kar sakte ho.
₹795 mahina sunne me chhota lagta hai, lekin 20 saal ke loan par ye lagbhag ₹1.9 lakh extra nikalta hai. Isliye "chhota hike" ko halke me mat lo.
Kya Tumhara Loan Bhi Mehenga Hoga? (2-Minute Check)
Sab loans par asar nahi hoga. Apna loan in 3 categories me check karo:
1. Floating rate + repo/EBLR linked (October 2019 ke baad liye gaye zyadatar home loans)
→ Haan, asar hoga. Tumhara rate almost turant 0.25% badhega. Bank ya to EMI badhayega, ya tenure extend karega. Apne bank se pucho — kaunsa option apply hua hai.
2. MCLR-linked loan
→ Abhi nahi, baad me. MCLR reset dates (6 ya 12 mahine) par revise hota hai. PNB ne to MCLR chhua bhi nahi hai abhi. Lekin agli reset par hike aa sakta hai.
3. Fixed-rate loan
→ Koi asar nahi, jab tak loan renew na ho. Fixed ka matlab fixed.
Apne loan statement ya bank app me "benchmark" dekho — wahan likha hoga EBLR, RLLR ya MCLR. Wahi tumhari kismat decide karega.
Ghabrana Nahi, Ye 3 Kaam Karo
1. Prepayment par seriously socho.
₹795/month extra dene ke bajaye agar tum saal me ek baar ₹1 lakh prepay kar do, to interest ki bachat EMI hike se kai guna zyada hogi. Prepayment ka poora hisaab maine yahan samjhaya hai — ₹40 lakh ke example me ₹10.25 lakh tak bachat ho sakti hai.
2. Tenure extend vs EMI hike — khud choose karo.
Bahut se banks chupchaap tenure badha dete hain (EMI same rehti hai, tumhe pata bhi nahi chalta). Lamba tenure = zyada total interest. Agar afford kar sakte ho, to EMI badhana tenure badhane se behtar hai.
3. FD walon ke liye khushkhabri bhi hai.
Jahan loan mehenga hua hai, wahin FD rates bhi badh rahe hain. Bajaj Finance ne 7 October se FD rates 15–40 bps badha diye — regular depositors ko 7.75% tak, senior citizens ko 8.15% tak (31–60 mahine wali FD par). Bade banks (SBI, HDFC, ICICI) ne 8 October tak apne FD rates nahi badle the, lekin ummeed hai wo bhi jald karenge. FD rates ka poora update yahan padho.
Ek aur baat — RBI ne apna stance "calibrated tightening" kar diya hai, matlab aane wale mahino me aur hike ho sakta hai, cut ki ummeed mat rakho. December ki policy par nazar rakhna.
Ek Line Me Samjho
RBI ne rate badhaya → 7 banks ne 24 ghante me loan mehenga kar diya → ₹50 lakh ke home loan par ~₹795/month zyada. Floating-rate loan hai to prepayment socho, fixed hai to chain ki neend so jao.
Sources & References
- RBI Monetary Policy Statement — rbi.org.in (7 October 2026: repo rate 5.25% → 5.50%, stance "calibrated tightening")
- Bank lending-rate revision announcements (7–8 October 2026) — bank regulatory filings aur press releases
- Bajaj Finance FD rate revision (7 October 2026)
EMI calculations article mein diye gaye assumptions par based hain (standard reducing-balance EMI formula). Actual EMI aapke bank ke specific terms par depend karegi.