The Reserve Bank of India decided to keep the repo rate unchanged in its February 2026 policy review.
The central bank said the move was necessary to maintain balance between inflation control and economic growth.
RBI officials highlighted that inflation is currently under control but global risks remain uncertain.
Borrowers will not see any immediate reduction in home loan or personal loan EMIs.
Banks are expected to maintain existing lending and deposit rates in the near term.
The RBI retained its neutral policy stance, signaling flexibility for future action
.
Strong domestic demand and stable consumption supported the decision.
The central bank also noted improving rural demand and steady urban s
pending trends.
Financial markets reacted calmly, as the decision was largely expected.
The policy sets the tone for credit growth and investment sentiment in
2026