How to Save ₹15 Lakhs on Your Home Loan: Smart RBI Rate Cut Hack by Anant Ladha

Financial expert Anant Ladha is deeply revealing a very powerful home loan secret that banks quietly the hope you ignore. 

With the recent RBI repo rate cuts, you could even save up to ₹15 lakhs on a ₹50 lakh loan, if you take just one simple step. Here's how to make this financial move really work for you.

What's Happening?

In 2025, the RBI cut the repo rate by 1%, including a 0.5% reduction in June. This greatly impacts your overall floating interest rate home loan. 

For example, if your loan was at 9.5%, it could now drop to a 8.5%, reducing your overall total interest outgo much significantly.

What Banks Don't Tell You-

Some banks don't reduce their rates automatically even for the floating loans.

They might ask you to pay around ₹2,500–₹3,500 along with a full written request.
Many customers unknowingly continue to paying higher EMIs.

What You Need To Do (Anant's Strategy)-

• Check your loan's overall floating rate status.
• Visit your bank and request a good rate adjustment.
• If they ask for a small fee, pay it—it's worth the lakhs saved.
• When given the option, reduce your tenure, not your EMI.
• This helps you pay off the loan much faster.
• You save much more in the long run.

Real Impact-

On a ₹50 lakh home loan, only this small change can save you up to ₹15 lakhs and help you to become debt-free many years earlier.

Always stay informed about the RBI rate cuts and don't assume that your bank will act in your favor. Take strict charge, ask the questions, reduce your tenure, and save very smartly.

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