RBI holds the repo rate at 5.25% — fourth straight pause
The 62nd Monetary Policy Committee (3–5 August 2026) kept the policy repo rate unchanged at 5.25% and retained a neutral stance.
- The Reserve Bank of India's 62nd Monetary Policy Committee met from 3 to 5 August 2026 and voted to keep the policy repo rate at 5.25 per cent.
- Governor Sanjay Malhotra said a change in stance would depend on growth–inflation dynamics.
- For a Hyderabad home-loan borrower this is a pause in the policy rate, not a freeze on your EMI.
What the committee decided
The Reserve Bank of India's 62nd Monetary Policy Committee met from 3 to 5 August 2026 and voted to keep the policy repo rate at 5.25 per cent. That is the fourth consecutive pause of 2026, after 125 basis points of cuts through 2025. The standing deposit facility stays at 5.00 per cent and the marginal standing facility / Bank Rate at 5.50 per cent. The stance remains neutral.
Growth and inflation
Governor Sanjay Malhotra said a change in stance would depend on growth–inflation dynamics. For FY27 the committee pegged real GDP at 6.7 per cent (6.6 per cent in the June review) and CPI inflation at 5.0 per cent (5.1 per cent in June).
What it means for a Hyderabad EMI
For a Hyderabad home-loan borrower this is a pause in the policy rate, not a freeze on your EMI. Floating-rate loans reset off each bank's external benchmark plus a spread. Confirm the card with your lender before you budget the next instalment.
What this briefing is not
This is a PropYaar briefing of the published MPC outcome. It is not the RBI circular and not financial advice.
For a Hyderabad home-loan borrower this is a pause in the *policy* rate, not a freeze on your EMI.
Ask Yaar — it has this article and the underlying data as context.
Collates official publications and published trackers for Hyderabad and Telangana buyers. Every figure is cited. We do not appraise individual units.