RBI Repo Rate Unchanged at 5.25% in August 2026 MPC Meeting: What It Means for Your Home Loan EMI: The Reserve Bank of India (RBI) has once again opted for a status-quo approach on interest rates. The repo rate is the interest rate at which the RBI lends short-term funds to commercial banks. When the RBI raises the repo rate, banks typically pass on the higher cost to consumers through increased interest rates on loans. Current RBI Policy Rates: A Complete SnapshotAlongside the repo rate, the RBI also maintains a set of other key policy rates that together shape the liquidity and lending landscape in the banking system. Borrowers on floating-rate loans linked to the repo rate will continue paying the same EMI amount as before this announcement.