Repo Rate Up 0.25%? 6 Smart Moves for Your Home Loan
Shubhdhanam Loan Guide · Home Loan Repo Rate Up 0.25%? 6 Smart Moves for Your Home Loan 22 October 2026 · 6 min read · For families in Bhayandar, Mira Road and Mumbai The needle moved by just 0.25%. Your home-loan plan does not have to move at all, as long as you know the six calm moves that smart borrowers make in a week like this. On 7 October 2026, the Reserve Bank of India raised the repo rate from 5.25% to 5.50%. Headlines called it a "hike". WhatsApp groups called it worse. But for a family in Bhayandar, Mira Road or anywhere in Mumbai, the real question is simpler: what, exactly, should I do now? This guide answers that in plain words, with a checklist you can finish over one cup of chai. What actually happened on 7 October RBI's Monetary Policy Committee met from 5 to 7 October and decided to: raise the repo rate by 25 basis points to 5.50% (the Standing Deposit Facility moved to 5.25%, the Marginal Standing Facility and Bank Rate to 5.75%); change its stance fr...