Author: Rohit Verma

Rohit Verma, FinTech Analyst Experience: 6+ years in digital finance & fintech Rohit covers UPI, digital banking, and emerging fintech trends, helping readers understand modern financial systems.

Indian homebuyers in 2026 are navigating a very different interest-rate environment compared to just a few years ago. After a series of cuts through 2025, the Reserve Bank of India (RBI) lowered the repo rate to 5.25 percent in its December 2025 policy, and has held it steady since then. As a result, home loan rates have cooled from their recent peaks, but borrowers remain uncertain about what comes next. At the same time, regulatory changes over the last few years have fundamentally changed how home loans are priced. Most new floating-rate home loans are now linked to external benchmarks…

Read More