New Delhi, July 24 -- In June 2025, the Reserve Bank of India (RBI) reduced the repo rate by 50 basis points, marking the beginning of a measured rate cut cycle. This move followed a sharp decline in retail inflation, which dropped to a six-year low of 2.10 per cent. Additionally, bond yields have remained steady, signalling the possibility of further policy interventions.

This shift in the interest rate environment has already begun to impact home loan rates, which are becoming increasingly lucrative to aspirational borrowers. Several prominent banks and lending institutions are now offering home loans starting at 7.45 per cent per annum, compared to around 8.20 per cent last year.

Note: Interest rates discussed above are illustrative ...