RBI Kept Rates Unchanged Yesterday… But Is the Real Impact Still Coming?

General
1

After yesterday’s RBI decision to keep the repo rate unchanged, many people see it as a relief, especially borrowers hoping their EMIs won’t increase.

But honestly, my bigger concern is something else.

When rates stay high for a long time, it slowly impacts home buying decisions, business borrowing, and even personal financial planning. Many people end up postponing big decisions because they’re unsure where interest rates will go next.

So while nothing changed immediately, the uncertainty around future rate moves is what really matters.

What do you think?
Do you think interest rates will come down later this year, stay high for longer, or even increase again?

Curious to hear how others in the community are thinking about this.

2

Seems like waiting for ‘perfect’ rates might be a long game now. If a deal looks good today, it might be better to just take it rather than waiting for a cut that might not come for another year

3

For people with home loans, even “no change” matters a lot. Banks usually take time to adjust rates anyway. I feel the real effect on EMIs will be clearer in the next few months.