Anushka Rathod Instagram – RBI NEW RULE:
Your home loan EMI could drop and no, the RBI didn’t cut rates again.
They just changed one rule that finally helps existing borrowers, not just new customers.
Earlier, banks could revise your loan’s “spread”, the part of the interest they control only once in 3 years.
Now, from October 1, they can reduce it anytime if your credit profile improves or if you’re getting better offers elsewhere.
So if you’ve been paying EMIs on time, your bank might owe you a lower rate. But you might have to ask for it.
And if they refuse? Get a quote from another bank and negotiate. You could even get the repricing fee waived off.
This tiny change could save you lakhs over your loan tenure, so don’t sleep on it.
Go talk to your bank this week.
[Anushka Rathod, Home Loan, Investment, RBI, Government, New Rule]
#anushkarathod #homeloan #investment #rbi #government #newrule | Posted on 14/Oct/2025 13:38:01
