RBI Repo Rate EMI Reduction : Home, Car & Personal Loan EMIs Likely to Reduce Soon | आरबीआयचे आदेश: लवकरच कमी होणार EMI

RBI Repo Rate EMI Reduction

कर्ज घेणाऱ्यांसाठी मोठी आनंदाची बातमी आहे. भारतीय रिझर्व्ह बँकेने (RBI) रेपो रेटमध्ये 25 बेसिस पॉइंट्सने कपात केल्यानंतर लवकरच ग्राहकांची EMI कमी होण्याची शक्यता निर्माण झाली आहे.

रेपो रेट कमी झाल्यानंतरही अनेक बँकांनी अद्याप ग्राहकांना फायदा दिला नाही, यावर RBI गव्हर्नर संजय मल्होत्रा यांनी नाराजी व्यक्त करून सर्व बँकांच्या प्रमुखांची तातडीची बैठक बोलावली.

बैठकीत त्यांनी स्पष्ट आदेश दिले: (RBI Repo Rate EMI Reduction)
“Repo Rate कपातीचा पूर्ण लाभ तात्काळ ग्राहकांना द्या. उशीर करू नका. हे पैसे जनतेचे आहेत.

बँकांनी उशीर केल्यास कठोर कारवाई होणार

RBI ने बँकांना स्पष्ट शब्दांत सांगितले की,

रेपो रेट कमी झाला तरी अनेक बँका अजूनही जुने, जास्त व्याजदर आकारत आहेत

ग्राहकांना वेळेत फायदा न दिल्यास कठोर उपाययोजना करण्याची तयारी आहे

जानेवारी 2025 पर्यंत EMI कमी न केल्यास RBI थेट हस्तक्षेप करू शकते

“We are monitoring banks closely. If interest rates don’t reduce soon, stricter steps will follow,” असे गव्हर्नर मल्होत्रा यांनी सांगितले.

तंत्रज्ञानाचा वापर वाढला – बँकिंग आणखी स्वस्त झाले पाहिजे

गव्हर्नर यांनी बँकांना सांगितले: (RBI Repo Rate EMI Reduction )

डिजिटल बँकिंगमुळे खर्च कमी झाला आहे

त्यामुळे लहान व्यवसाय, सामान्य नागरिकांना कमी व्याजदरांचा थेट फायदा मिळाला पाहिजे

डिजिटल फ्रॉड नियंत्रणावरील जबाबदारीही वाढवण्याचे निर्देश दिले

MHDU News : Vishal Bhadane RBI Repo Rate EMI Reduction

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Mumbai | RBI Repo Rate Update:

There is a big relief coming soon for loan borrowers across the country. The Reserve Bank of India (RBI) has recently reduced the repo rate by 25 basis points, and EMI on home, car and personal loans is now expected to come down soon.

Despite the reduction in repo rate, several banks have not passed on the benefit to their existing customers. Taking serious note of this, RBI Governor Sanjay Malhotra held an urgent meeting with the heads of major public and private sector banks.

In the meeting, the RBI Governor issued strict instructions, saying:
“Pass on the full benefit of the repo rate cut to customers immediately. Do not delay. This is public money.”

Why EMIs Will Soon Reduce?

Since February 2025, RBI has reduced the repo rate by 1.25% (125 basis points) in total, bringing it down to 5.25%.
With borrowing becoming cheaper for banks, they are expected – and now ordered – to reduce lending rates for customers.

However, many banks continued to charge older, higher interest rates. As a result, RBI warned them of strict action if rates are not reduced soon.

RBI’s Warning to Banks

RBI made it clear that: (RBI Repo Rate EMI Reduction )

Lending rates must be revised at the earliest

Customers should receive the immediate benefit of lower repo rates

If banks delay the process, RBI will initiate stronger regulatory action

EMIs for home loans, car loans and personal loans are expected to reduce by January 2025

The Governor also stated,
“We are closely monitoring banks. If interest rates do not reduce soon, more severe measures will be taken.”

Impact on Borrowers

Loan customers can expect: (RBI Repo Rate EMI Reduction )

Lower home loan EMIs

Reduced car loan EMIs

Reduction in personal loan EMIs

Faster transmission of repo rate benefits

Focus on Technology & Customer Service

The RBI also reminded banks that with the increasing use of digital technology, the cost of banking operations has reduced significantly. Therefore,

Loans should become more affordable

Customer grievances must be resolved promptly

Banks must strengthen cybersecurity to curb digital fraud