# RBI Rate Hike Raises Home Loan EMIs

> RBI rate hike increases home loan EMIs for borrowers.
- Title: RBI Rate Hike Raises Home Loan EMIs · The Economic Times
- Summary: RBI rate hike increases home loan EMIs for borrowers. RBI raised policy rates by 25 basis points to 5.50%, increasing home loan EMIs for borrowers.
- Keywords: rbi, home loan, emi, policy rate, reserves bank of india, interest rate, Rate, Hike, Raises, Home, Loan, EMIs
- Source: The Economic Times — https://economictimes.indiatimes.com/industry/banking/finance/rbi-rate-hike-your-home-loan-emi-just-went-up/articleshow/134773182.cms
- Author: ET Bureau
- Published: 2026-10-07T18:34:00+00:00
- Read time: 1 min
- Topics: rbi, home loan, emi, policy rate, reserves bank of india, interest rate
## RBI rate hike
RBI raised policy rate by 25 basis points to 5.50%.
## Home loan EMIs rise
Existing home loan borrowers may see higher monthly instalments or longer repayment periods.
## Affordability concerns
Mid-segment home affordability remains under scrutiny due to higher construction costs.
## Lata Pillai's view
Lata Pillai, senior MD at JLL, expects floating home rates to repriced with higher construction costs.
## Further rate hikes
Further rate hikes could impact market more than a single 25 bps increase.
## RBI's stance
RBI Governor Sanjay Malhotra stated rate cuts are off the table for now.
## Key takeaway

RBI raised policy rates by 25 basis points to 5.50%, increasing home loan EMIs for borrowers.