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Repo rate stays at 5.25%: Why your home loan EMI may still change in 2026 and what historical data shows

Even if the RBI keeps the repo rate unchanged at 5.25% in 2026, your home loan EMI may not stay the same. MCLR-linked loans can move independently, while even repo-linked loans may see changes. Historical data reveals an uneven link between the MCLR and policy rate.