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Repo Rate Change Calculator
Result
Chart
Show formula & working
Loan rate = Repo rate + Spread (external benchmark lending rate)
New rate = Current rate + Repo change
Option A recomputes the EMI on the outstanding loan for the remaining months. Option B keeps the EMI and finds the new number of months.Details
RBI policy repo rate: rates and rules as of 07-Oct-2026 · Source: RBI Governor's Statement, 7 October 2026 (MPC raised the repo rate by 25 bps to 5.50%). Every figure based on it stays editable.
RBI rules on floating-rate resets: rates and rules as of 01-Oct-2026 · Source: RBI (Commercial Banks – Interest Rates on Advances) Directions, 2025, para 38; RBI (Commercial Banks – Responsible Business Conduct) Directions, 2025 (RBI/DOR/2025-26/170, updated as on 1 Oct 2026), para 349. Every figure based on it stays editable.
How this works
Most bank home loans for individuals are linked to an external benchmark, usually the RBI repo rate. When repo moves, your rate moves by the same amount at the next reset date, while your spread stays the same.
Lenders usually extend the tenure first and keep the EMI. On a long loan, a small rise can add years — compare both options.
Frequently asked questions
When does a repo change reach my loan?
On the reset date in your loan agreement. RBI requires external-benchmark loans to be reset at least once every three months.
Can I ask for a higher EMI instead of a longer tenure?
Yes. At a reset, lenders must give borrowers the choice of a higher EMI, a longer tenure or both. Paying a higher EMI keeps the total interest down.
Talk to Rytvae
Compare lenders, structure the loan and plan prepayments with someone who reads sanction letters for a living.