Complete Guide · Updated June 2026
Interest Rate Guide
India 2026
Everything you need to know about home loan, personal loan, car loan and FD interest rates from all major banks in India. Updated after every RBI MPC meeting.
✓ RBI Repo Rate: 5.25%✓ Updated June 2026✓ All major banks
📋 In this guide:
RBI Repo Rate & Monetary Policy
Home Loan Interest Rates 2026
Personal Loan Interest Rates 2026
Car Loan Interest Rates 2026
FD Interest Rates 2026
What is EBLR? Complete Explanation
How CIBIL Score Affects Your Rate
RBI Repo Rate — June 2026
The RBI repo rate is currently 5.25% per annum as of February 2026. The RBI kept rates unchanged at its June 3–5, 2026 MPC meeting. The next rate review is scheduled for August 5–7, 2026.
| Policy Rate | Current Rate | Last Changed |
|---|---|---|
| Repo Rate | 5.25% | Dec 5, 2025 (▼25 bps) |
| Standing Deposit Facility | 5.00% | Dec 5, 2025 |
| Marginal Standing Facility | 5.50% | Dec 5, 2025 |
| Reverse Repo Rate | 3.35% | Unchanged |
📌 Why it matters: The repo rate is the rate at which RBI lends money to banks. When it falls, banks can borrow cheaper and pass on lower rates to home and car loan borrowers. All EBLR-linked loans automatically adjust when the repo rate changes. Read RBI's official policy statement ↗