RBI's 25-bps hike: banks stagger car-loan rate pass-through

After the RBI lifted the repo rate to 5.50% on 7 October, lenders are passing on the increase at different speeds. Car-loan…

In this short

VEHICLE LOANS RBI Hike, Car-Loan Rates Diverge Banks are passing on the October policy-rate increase at different speeds.
WHAT CHANGED Repo Rate Reached 5.50% 5.50% The RBI's 25-basis-point hike took effect on 7 October 2026.
BORROWER IMPACT Reset Dates Now Matter More External-benchmark loans can reprice sooner, while MCLR-linked loans may move at a later reset.
CHECK YOUR LOAN EMI Or Tenure Could Change ₹122/MONTH Illustrative only: a full pass-through changes the EMI on a ₹10-lakh, 60-month loan.
READ THE FULL STORY Find Your Loan's Reset Point Check the benchmark, spread, reset date and lender notice before estimating the new total cost.
READ THE FULL STORY Get the full breakdown Sources, numbers and what to watch next.