Since February 2025, the Reserve Bank of India (RBI) has reduced repo rates for three consecutive times. First, it brought down the repo rate from 6.5% to 6.25% in February 2025. Then, to 6% in April, 2025. In June, 2025, it made a drastic reduction of 50bps, and brought the rate down to 5.5%. However, October, 2025 saw no change. These rate cuts have significantly impacted different sectors in the economy, especially the home loans segment. It is insightful for homebuyers and real estate investors to understand the repercussions of RBI’s rate cuts on home loans.