Home Loans
RBI rate cut: Time to rethink your home loan strategy?
The latest RBI rate cuts will particularly benefit borrowers who took home loans in 2020-2022 at rates of 6-6.5%, but saw the rates rise to 9-9.5% within a year.
2 min read10 Dec 2025How would 125 bps repo rate cut by RBI in 2025 impact your monthly home loan EMI?
RBI monetary policy: As RBI has reduced repo rate by 125 bps in 2025, the monthly home loan EMI of a ₹50 lakh loan taken at 9% per annum for 15 years at the beginning of 2025 would now come down from ₹54,713 to ₹47,064
5 min read5 Dec 2025Home loan insurance: Why your cover may not match your loan
Most borrowers buy insurance linked to home loans, but many of these policies are inadequate, misaligned, or wrongly assigned—leaving families unprotected when they need it most.
5 min read3 Nov 2025EMIs could drop faster as the RBI cuts the long switch-over rule. Details here
The RBI has introduced a new rule allowing faster changes to EMIs, enabling borrowers to benefit sooner from interest rate cuts and improved credit scores.
3 min read28 Oct 20255 benefits of a 750+ credit score: Better loan approvals, lower interest rates, premium financial products and more
Maintaining a credit score above 750 ensures easier loan approvals, lower interest rates, higher credit limits, faster processing, better negotiating power and exclusive access to premium financial products.
3 min read30 Sep 2025Mint Explainer | SBI hikes home loan rates in a low-rate cycle—what does it mean?
State Bank of India’s decision to raise home loan rates in the middle of a neutral interest-rate cycle marks a shift in the housing loan market. The move could ease pressure on bank margins, reset pricing discipline among PSU and private lenders, and raise borrowing costs for new home buyers.
5 min read18 Aug 2025SBI raises home loan interest rates: Here's what HDFC Bank, PNB, ICICI Bank and others levy
SBI home loan: Interest rates for home loans in India vary by bank, with PNB starting at 7.45%, Canara Bank from 7.40% to 10.25%, and SBI revised rates to 8.70%. Other banks like HDFC and ICICI also offer competitive rates based on loan amount and customer profile.
2 min read17 Aug 2025SBI home loan: State Bank of India raises home loan interest rates by 25 basis points. Check new rates here
State Bank of India has increased its interest rates for home loans and home-related loans effective from 1 August 2025. Check the current home loan-related interest rates here.
2 min read16 Aug 2025Bank of India Q1 Results: Net profit soars 32% to ₹2,252 crore, boosted by non-interest income; asset quality improves
Bank of India reported a net profit of ₹2,252 crore for the June quarter, marking a 32% increase from ₹1,703 crore a year earlier, driven by a 66.4% rise in non-interest income to ₹2,166 crore.
1 min read29 Jul 2025When should you refinance your home loan?
Smart switching isn’t about following the trend; it’s about knowing when the numbers work in your favour.
2 min read25 Jun 2025Wait for it…
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