🧮 Calculate EMI Now →
Loan Calculators
🏠 Home Loan EMIRates from 7.50% · 30yr tenure 💳 Personal Loan EMIFrom 10.85% · No collateral 🚗 Car Loan EMIFrom 8.50% · New & used cars 🏍 Bike Loan EMIFrom 9.00% · 2-wheelers 🎓 Education Loan EMIFrom 7.00% · India & abroad 🏢 Business Loan EMIFrom 10.00% · MSME loans
Loan Tools
✅ Loan EligibilityHow much can you borrow? 📊 EMI vs TenureFind the right balance ⚡ Prepayment SavingsSave lakhs in interest 📋 Rate Guide IndiaAll bank rates explained
SIP & Wealth Planning
💰 SIP for ₹1 Crore₹10,000/mo for 20 years 💸 SIP for ₹2 Crore₹18,500/mo for 20 years 💎 SIP for ₹5 Crore₹46,500/mo for 20 years 🚀 SIP for ₹10 CroreThe ultimate wealth goal 🏖 Retirement: ₹1 CroreIs it enough? Find out
Live Rates
🏦 Bank Loan RatesHome, personal, car loans 📅 RBI Rate HistoryAll MPC decisions since 2024
Live · Auto-updated · India's #1 Rate Tracker

Free EMI, SIP, FD & Investment
Calculators for India

Instant EMI calculator for any loan. Live RBI repo rate with auto-calculated rates from all major Indian banks.

RBI Repo Rate
5.25
% per annum
Last changed: Dec 5, 2025
Change: ▼ 25 bps cut
Next MPC: Aug 5–7, 2026
⏸ Rate on Hold — June 2026
⚡
June 5, 2026 MPC Update: RBI kept repo rate unchanged at 5.25%. Next review August 5–7, 2026. RBI Official Statement ↗

🧮 Free EMI Calculator

Instant Results
₹
₹5,00,000
% p.a.
12.00% p.a.
Years
5 Years
₹
Reduces tenure & saves interest

🏠 Home Loan Rates — June 2026

Auto-calculated

All EBLR-linked. Rates auto-update when RBI changes repo rate. Shown for 750+ CIBIL score.

BankRate (p.a.)TypeFormulaAction
Calculate Home Loan EMI in detail →

💳 Personal Loan Rates — June 2026

Updated Jun 4, 2026
BankRate (p.a.)Max TenureAction
Calculate Personal Loan EMI in detail →

🏦 FD Interest Rates — June 2026

Updated Jun 4, 2026
Bank1 Year FD3 Year FDSenior CitizenAction

🏦 Loan Calculators & Tools

🏠
Home Loan EMI
From 7.50% · 30yr tenure
💳
Personal Loan EMI
From 10.85% · No collateral
🚗
Car Loan EMI
From 8.50% · New & used
🏍
Bike Loan EMI
From 9.00% · 2-wheelers
🎓
Education Loan EMI
From 7.00% · India & abroad
🏢
Business Loan EMI
From 10.00% · MSME loans
✅
Loan Eligibility
How much can you borrow?
📊
EMI vs Tenure
Find the right balance
⚡
Prepayment Savings
Save lakhs in interest
📋
Rate Guide India
All bank rates explained

📈 SIP & Investment Calculators

Wealth Planning
💰
SIP for ₹1 Crore
₹10,000/mo · 20 years
💸
SIP for ₹2 Crore
₹18,500/mo · 20 years
💎
SIP for ₹5 Crore
₹46,500/mo · 20 years
🚀
SIP for ₹10 Crore
₹93,000/mo · 20 years
🏖
Retirement: ₹1 Crore
Is it enough? Find out

🔮 Rate Change Impact Predictor

Unique Tool

See how your home loan EMI changes if RBI cuts or hikes the repo rate at the August 2026 MPC.

📊 If RBI Changes Repo Rate from 5.25%...

* Based on ₹50L home loan / 20yr tenure / EBLR-linked. Impact reflects within 1 quarterly reset (up to 3 months).

📅 RBI Repo Rate History

View on RBI.org.in ↗

❓ Frequently Asked Questions

The current RBI repo rate is 5.25% as of February 2026. The RBI kept rates unchanged at its June 2026 MPC meeting. The last change was a 25 basis point cut on December 5, 2025.
Most home loans in India are EBLR-linked. When RBI cuts repo rate by 25 bps, your home loan rate falls by 25 bps within the next quarterly reset, reducing your monthly EMI automatically.
EBLR = RBI Repo Rate + Bank's Spread. SBI's EBLR = 5.25% + 2.65% = 7.90%. Your home loan rate = EBLR + Credit Risk Premium based on your CIBIL score.
The next RBI Monetary Policy Committee meeting is scheduled for August 5–7, 2026. The rate decision will be announced on August 7, 2026 at 10:00 AM IST.
As of June 2026, home loan rates start from 7.45% from Bank of Baroda and 7.50% from SBI for borrowers with 750+ CIBIL score. Use our home loan EMI calculator to compare.
EMI = [P × R × (1+R)^N] / [(1+R)^N − 1]. P = Principal, R = Monthly rate (Annual ÷ 12 ÷ 100), N = Tenure in months. Use our free EMI calculator above for instant results.

India Bank Interest Rates 2026 — Complete Guide

LoanRateCal.in is India's most accurate bank rate tracker, auto-calculating home loan, personal loan and FD rates based on the current RBI repo rate. All EBLR-linked rates update automatically when RBI changes the repo rate.

How LoanRateCal.in Auto-Calculates Bank Rates

Since October 2019, RBI mandated all banks to link floating rate loans to an external benchmark — primarily the repo rate. LoanRateCal.in uses each bank's published EBLR spread to calculate the exact current rate in real time.

RBI Repo Rate History and Impact on Home Loans

The RBI has cut the repo rate by a cumulative 125 basis points since February 2025, bringing it from 6.50% to 5.25%. For a ₹50 lakh home loan over 20 years, this translates to approximately ₹3,800 lower monthly EMI compared to peak 2023 rates.