Urban Money Blogs

  • RBI Holds Repo Rate at 5.25%: Home Loan EMIs to Stay Stable

    June 05, 2026

    The Reserve Bank of India (RBI) has kept the repo rate unchanged at 5.25% following the Monetary Policy Committee (MPC) meeting held from 3-5 June 2026. The six-member committee also retained its neutral stance, signaling a cautious approach amid rising global uncertainty, elevated energy prices, and inflation concerns. For borrowers,…

  • RBI Holds Repo Rate at 5.25%: EMIs and FD Rates Stay Steady

    April 08, 2026

    The RBI has kept the repo rate unchanged at 5.25% in its latest policy review. This indicates stability in loan EMIs and deposit rates, as inflation risks and global uncertainty remain in focus. April 8, 2026: The Reserve Bank of India has kept the repo rate unchanged at 5.25% in…

  • RBI Repo Rate Unchanged at 5.25%: Impact on Loans, EMIs and Borrowers

    February 06, 2026

    The Reserve Bank of India on Friday 6, 2026 held the RBI repo rate at 5.25%, opting for policy continuity amid steady domestic growth. February 6, 2026: The Reserve Bank of India has decided to leave the repo rate unchanged at 5.25%, choosing not to alter borrowing costs in its…

  • Union Budget 2026-27: Key Highlights for Credit, Loans, and Banking

    February 01, 2026

    Union Budget 2026-2027 was presented on February 1, 2026, in the Lok Sabha. This year, Finance Minister Nirmala Sitharaman has outlined the government’s financial roadmap for the year ahead under the Viksit Bharat vision, with a strong focus on stability, growth, and long-term economic resilience. This year’s Budget placed a…

  • As Housing Gets Costlier, Homebuyers Look to Budget 2026 for Relief

    January 30, 2026

    Amid sales dipping owing to affordability pressure, India’s Middle Class requires more tax relief and higher incentives to invest in property. At a time when housing affordability in India is under a great deal of stress, homebuyers in India will watch with anticipation as Finance Minister Nirmala Sitharaman prepares to…

  • RBI May Cut Repo Rate by 25 BPS, says report

    January 28, 2026

    Any reduction at this stage will benefit India's affordable housing sector, which is currently reeling from skyrocketing property prices. New Delhi, January 28, 2026: The Reserve Bank of India (RBI) may reduce its benchmark lending rate by another 25 basis points in its monetary policy meeting scheduled for February 6,…

  • Distributed Growth in Home Loans Across Tier-2 and Tier-3 Cities

    January 22, 2026

    The Indian housing finance narrative in 2025 moved decisively beyond traditional metropolitan strongholds. A recent “UrbanMoney Homebuyers Credit Pulse” report highlights that Tier-2/3 cities fuelled the majority of home loan activity, contributing approximately 64 per cent of total volumes, underscoring a broadening of the mortgage market beyond Tier-1 clusters. This…

  • RBI Repo Cut 2025: Home Loan Rates Drop Across 6 Banks

    December 10, 2025

    Following the RBI’s 5 December repo rate cut to 5.25%, six major banks have begun trimming home loan benchmarks, so borrowers may soon see lower interest rates on floating-rate loans and lighter EMIs on existing home loans and for fresh applications. Home loan borrowers are set to get relief after…

  • RBI Repo Rate Cut December 2025 : What It Means for You?

    December 05, 2025

    RBI has rolled out another repo rate cut on 5th December with immediate effect. The rate has come down to 5.25% after a 25 basis point cut. This entails that home loan EMIs may come down for many borrowers. The RBI rate cut latest news has confirmed that the Monetary…

  • RBI's New Weekly Credit Score Rules

    November 28, 2025

    On 26 November, the Reserve Bank of India (RBI) issued draft guidelines under which Credit Information Companies (CICs) will be required to update credit scores every 7 days, starting 1 April 2026. This move is expected to make loan approvals smoother for borrowers who have to wait weeks for their…

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