# RBI rate hike to raise home loan EMIs by up to ₹867 2026-10-13T23:51:16+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 2 independent outlets The Reserve Bank of India raised the repo rate by 25 basis points to 5.50% on 13 October, its first hike since February 2023. Home loan EMIs could rise by ₹759 to ₹867 per month on a ₹50 lakh loan, depending on lender and tenure, executives told Mint. Over 30 years, additional interest may total about ₹3 lakh. Hindustan Times reports that transmission may not be immediate for repo-linked loans, with resets every three months. Borrowers on older benchmarks may face different cycles. Both outlets advise checking reset dates and considering prepayment options. ## Indian Opinion Analysis The RBI raised the repo rate by 25 basis points to 5.50% on 13 October, its first hike since February 2023. On a ₹50 lakh home loan, monthly EMIs could rise by ₹759 to ₹867, depending on the lender and tenure, according to calculations by BASIC Home Loan CEO Atul Monga and Andromeda co-CEO Raoul Kapoor, cited by Mint. The additional interest over 30 years could total roughly ₹3.07 to ₹3.12 lakh. Hindustan Times adds a borrower story: one couple’s rate jumped from 6.9% to 9.25% after past hikes, and notes that transmission may take up to three months on repo-linked loans. Both outlets warn that lenders set the final reset terms, but neither reports any change in housing demand so far. ## Coverage Coverage: 2 sources, 2 neutral - livemint.com (neutral report) Reports borrower impact and industry executives, neutral tone - hindustantimes.com (neutral report) Includes a borrower story, focuses on managing debt This brief was synthesised by AI from the 2 sources linked above, so one read covers every framing they carry. Tags: Adhil Shetty, Atul Monga, Home loan, RBI, repo rate Canonical: https://indianopinion.org/rbi-rate-hike-to-raise-home-loan-emis-by-up-to-rs867/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/rbi-rate-hike-to-raise-home-loan-emis-by-up-to-rs867/#story-in-brief How this brief was made: an AI model read the reports linked above and wrote this summary and analysis, which were published automatically. Published briefs are sampled every hour by an automated quality check; the editor verifies its findings and approves corrections, and corrected briefs carry a dated correction line. Stance labels are editorial classifications of how each outlet framed this story, assigned by the same model, not ratings of the outlets. We do no original reporting. Methodology: https://indianopinion.org/ai-use-policy/