RBI’s New Rule = Lower EMI! What’s the change? – From 1st October 2025, RBI has allowed banks to reduce the spread on your floating-rate loans before the earlier 3-year lock-in period. – Borrowers can also now choose to switch to a fixed rate when their loan interest is reset (though this is optional, not mandatory). 🔹 Which loans are affected? All floating-rate retail loans — including home loans, car loans, personal loans, and any loan linked to an external benchmark like the repo rate. Why t
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