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EMI

RBI’s 2nd rate cut could bring down your home loan EMI, but benefits depend on your loan’s benchmark

RBI’s 2nd rate cut could bring down your home loan EMI, but benef...

Wed, Apr 09, 2025

RBI’s 25 bps repo rate cut may lower your home loan EMI — but only if your loan is repo-linked. Older MCLR or Base Rate loans may need refinancing.

RBI MPC Review April 2025 HIGHLIGHTS: 25-bp repo rate cut, stance...

Wed, Apr 09, 2025

RBI MPC Monetary Policy Review April 2025: RBI Governor Sanjay Malhotra announced a widely-expected 25-basis-point cut in the repo rate on Wednesday, April 9. This is the second policy review under the new RBI chief, who took the helm as the 26th Governor of the banking regulator in December, succeeding Shaktikanta Das.

Home Loan Calculations: How 5.45% increase in EMI can save your Rs 16 lakh in interest and 4 years in duration on Rs 51 lakh, 25-year loan

Home Loan Calculations: How 5.45% increase in EMI can save your R...

Mon, Mar 03, 2025

Home Loan Calculations: By increasing your EMI by just 5.45 per cent, you can reduce your loan tenure by 4 years and save Rs 16.72 lakh in interest payments.

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Will RBI's first rate cut in 5 years impact homebuyers, their loan EMIs?

Will RBI's first rate cut in 5 years impact homebuyers, thei...

Fri, Feb 07, 2025

Most retail floating-rate loans sanctioned after October 1, 2019, are linked to an external benchmark, primarily the repo rate. With this cut, home loan borrowers will see a reduction in their EMIs and interest burden.

RBI Rate Cut, Other February 2025 Monetary Policy HIGHLIGHTS: San...

Fri, Feb 07, 2025

RBI MPC Feb 2025 Monetary HIGHLIGHTS: RBI Governor Sanjay Malhotra on Friday, February 7, announced a reduction of 25 basis points in the repo rate. This is the first policy review under the new RBI chief, who took the helm as the 26th Governor of the banking regulator in December, succeeding Shaktikanta Das. Catch latest updates on the February 2025 RBI Monetary Policy—the first under the central bank's 26th Governor, Sanjay Malhotra.

Reduce Home Loan EMI vs Reduce Tenure: Which prepayment option can help save Rs 27 lakh, & 6 years and 3 months on Rs 50 lakh, 25-year loan

Reduce Home Loan EMI vs Reduce Tenure: Which prepayment option ca...

Mon, Jan 13, 2025

Reducing your home loan EMI means lowering the monthly installment amount you pay towards your loan repayment. On the other hand, reducing the loan tenure means maintaining the same EMI and cutting the interest cost. Plus reducing your tenure leads to quicker loan closure, allowing you to be debt-free soon. But the question that often confuses people who opt for home loan prepayment is whether they should go for a reduced home loan EMI or a reduced tenure.

If you increase your EMI by just 3.90%, you can save Rs 28 lakh on Rs 70 lakh loan; see calculations

If you increase your EMI by just 3.90%, you can save Rs 28 lakh o...

Wed, Jan 01, 2025

If you increase your monthly EMI by just 6.69 per cent on a Rs 70 lakh home loan, you could save nearly Rs 28 lakh in interest payments. Wondering how it works? Let’s understand how small changes in your EMI can help you save big in the long run.

Home Loan Calculations: How you can save nearly Rs 22 lakh and 4 years on Rs 70 lakh loan for 25-year tenure

Home Loan Calculations: How you can save nearly Rs 22 lakh and 4...

Wed, Dec 25, 2024

In most cases, individuals look for a minimum EMI option considering their comfort and pocket. But sometimes pushing your limits a bit can benefit you in the long run. Choosing a shorter loan tenure can impact your finances. While it may result in slightly higher monthly payments, it will ultimately save you money and time.

PSU Bank Lowest Car Loan Interest: Looking to purchase a new car? Know what will be EMI of Rs 7 lakh car

PSU Bank Lowest Car Loan Interest: Looking to purchase a new car?...

Fri, Nov 15, 2024

Here's a list of the banks that can help make your dream come true:

Home Loan Calculator: How boosting EMI by 6.69% can help one save Rs 20 lakh in interest and 5 years in tenure on Rs 50 lakh loan

Home Loan Calculator: How boosting EMI by 6.69% can help one save...

Mon, Nov 11, 2024

If you increase your EMI by 6.69 per cent on a Rs 50 lakh home loan, you can save nearly Rs 20 lakh in interest payments. Want to understand how? Explore how small adjustments reduce long-term costs effectively.

Home Loan EMI vs SIP Investment: Which is Better for Rs 60 Lakh Over 25 Years?

Home Loan EMI vs SIP Investment: Which is Better for Rs 60 Lakh O...

Tue, Oct 29, 2024

When a borrower repays a home loan, they pay higher interest than the principal amount because such loans are of high amounts and have long durations. But if they go for a higher EMI, the interest amount can be reduced considerably. The other option to recover the interest paid is to have a mutual fund SIP investment.

Personal Loans Vs EMI: Which is better for buying a new phone? Find out

Personal Loans Vs EMI: Which is better for buying a new phone? Fi...

Mon, Jul 22, 2024

Personal Loans Vs EMI: While EMI plans are a popular choice, personal loans offer greater flexibility, potential cost savings, and long-term benefits.

RBI MPC Meeting HIGHLIGHTS: Shaktikanta Das announces status quo...

Thu, Apr 04, 2024

RBI monetary policy repo rate, RBI MPC meeting highlights: RBI Governor Shaktikanta Das announced the MPC's decision, based on a 5:1 vote, to keep the repo rate—or the key interest rate at which the central bank lends short-term funds to commercial banks—unchanged at 6.5 per cent. This is the first MPC meeting of the financial year 2024-25 (FY25).

Home Loan Prepayment: How to save Rs 10 lakh on Rs 50 lakh home loan? Here's how 1 extra EMI/year can help you save huge interest cost

Home Loan Prepayment: How to save Rs 10 lakh on Rs 50 lakh home l...

Wed, Apr 03, 2024

Home loan Prepayment: One of the most tested and effective strategies to reduce your interest on principal is prepayment. It may be in the form of paying one extra EMI every year or paying a 10 per cent higher EMI every year. Know how you can use these tactics to reduce your home loan repayment substantially.

RBI Monetary Policy HIGHLIGHTS: Shaktikanta Das maintains status...

Wed, Feb 07, 2024

RBI Monetary Policy HIGHLIGHTS, RBI MPC Meet Feb 2024, Repo Rate: The RBI Governor Shaktikanta Das-led Monetary Policy Committee left the repo rate, or the key interest rate at which the central bank lends money to commercial banks, unchanged at 6.5 per cent on February 8. The status quo on monetary policy comes days after Finance Minister Nirmala Sitharaman unveiled the Interim Budget 2024 in Parliament on February 1, 2024. Catch all the highlights of the February 2024 RBI monetary policy review, expert views, market reaction, and much more here.

How to calculate personal loan EMI instantly?

How to calculate personal loan EMI instantly?

Wed, Sep 13, 2023

Calculating a personal loan EMI has become easier as several online EMI calculators are available these days. You just need to be ready with details about the personal loan, including the loan amount and interest rates to calculate the EMI.

Home Loan: To pay higher EMI or extend the tenure of home loan, which is a better way?

Home Loan: To pay higher EMI or extend the tenure of home loan, w...

Thu, Sep 07, 2023

If borrowers opt for an increase in the loan instalment amount and keep the tenure unchanged, they will be able to repay the entire amount within the same time period, but interest charged may go up substantially.

Money Guru: How to manage expensive loan, pay EMI or do SIP?

Money Guru: How to manage expensive loan, pay EMI or do SIP?

Mon, Aug 28, 2023

SIP: Have you thought how to compensate for this? That is, how can we get back the interest that we will give for the next 20 years. So that the house price is recovered. An easy way of this is SIP strategy.

An RBI repo rate hike or a pause on April 6? What economists expect from Shaktikanta Das-led MPC after its 2nd meeting of 2023

An RBI repo rate hike or a pause on April 6? What economists expe...

Wed, Apr 05, 2023

RBI MPC rate decision: Is another repo rate hike on the cards? RBI Governor Shaktikanta Das-led Monetary Policy Committee — the central bank's panel that decides benchmark interest rates for the country — is all set to reveal its take on the repo rate at 10 am on Thursday, after the conclusion of three-day bi-monthly deliberations. Here's what economists expect from the RBI's all-powerful MPC on April 6.

India 360: Home Loan Tenure Stretching Beyond Retirement Age? Here’s How To Reduce It

India 360: Home Loan Tenure Stretching Beyond Retirement Age? Her...

Mon, Mar 27, 2023

As interest rates increased from a decade-low of 6.5 per cent to over 9.5 per cent, the loan repayment tenure for many borrowers has stretched beyond their retirement age. This has dealt a blow to those home loan buyers who have taken home loans on floating rates. Why has home loan become expensive? What is its impact on common man? Watch full analysis with Deepak Dobhal.

An E-Bike That Shuts Down If EMIs Are Unpaid, Watch Details Here

An E-Bike That Shuts Down If EMIs Are Unpaid, Watch Details Here

Wed, Mar 15, 2023

The mobility world has now reached a level where automobiles can be disabled remotely in case their owners failed to repay the loan taken to buy them.

India 360: RBI MPC Curbs Arbitrary Penal Interest On Loans For Consumer Protection, Watch This Special Report

India 360: RBI MPC Curbs Arbitrary Penal Interest On Loans For Co...

Wed, Feb 08, 2023

Today Reserve Bank of India increased the repo rate by 25 bps to 6.50 per cent. RBI has hiked the interest rates for the sixth time in a row this year. Announcing the monetary policy, RBI Governor Shaktikanta Das said that that it has now been decided that the penalty charge for delay or default in loan repayment will be limited and transparent. RBI said that the penalty imposed by banks or NBFCs cannot be a source of income. Watch this special report on India 360.

Money Guru: How To Lower The Burden Of Home Loan EMIs? Watch Here

Money Guru: How To Lower The Burden Of Home Loan EMIs? Watch Here

Wed, Feb 08, 2023

Home loan EMI is bound to increase after the repo rate hike. But is there any way by which you can reduce the rising interest burden? Know from Experts. Watch Money Guru.

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