Home loan research reports and trend reports

Home loan rates, repo-rate transmission and lending benchmarks over time.

Statistical report Home Loan Interest Rate History in India: Trend Report RBI changed the repo rate 23 times between January 2016 and 7 October 2026, and it now stands at 5.50%. Tracking every published benchmark rate of 5 public sector banks since October 2019, BankCreds Research found that 46 of the 62 revisions it could date took effect within 7 days of RBI’s decision. Read the report →

Data sources

RBI policy repo rate — every change since January 2016 — Reserve Bank of India — Monetary Policy Statements and Monetary Policy Committee resolutions
Repo-linked lending benchmarks of public sector banks — published history and current home-loan rate cards — Banks’ own benchmark-history pages and rate cards; Internet Archive captures of the same official pages where a bank publishes no history

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