Home-loan borrowers often hear “insurance is mandatory” right before disbursal. Here’s what was said publicly in Feb 2026, what RBI’s draft rules target, and the exact questions borrowers should ask before signing add-ons.
If you have a home loan (or plan to take one), the RBI repo rate is one of the most important numbers to understand—because it influences how lenders price floating interest rates and, over time, your EMI. This explainer breaks down what repo rate is, how banks and HFCs transmit rate changes, and why repo cycles shape real-estate sentiment, affordability, and demand in Thane–MMR.
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