Unlocking savings: 3 smart strategies to lower your home loan EMI after RBI's rate pause
Last Update Date: 06-10-2026
Published by Hindustan Times
Abhishek Kumar's role: Quoted
Abhishek Kumar said even small additional principal payments can save a lot of interest over time. He suggested raising EMIs by 5-10% a year as income grows, if affordable, and moving the loan to a cheaper lender after counting all associated costs.
More of Abhishek's views on debt and loans
With the RBI holding its policy rate at 5.5% after three cuts, the article sets out ways home loan borrowers can lower their EMIs or interest cost. It covers asking the lender to match lower market rates, making extra principal payments or raising EMIs, and refinancing with another lender.
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Unlocking savings: 3 smart strategies to lower your home loan EMI after RBI's rate pause