RBI Floating Rate Loan Rules: New Changes Proposed for EMI, Interest Rates and Loan Benchmark

RBI Floating Rate Loan Rules 2026: Borrowers with home loans, personal loans or other floating-rate loans could see important changes in the way their interest rates are determined. The Reserve Bank of India (RBI) has proposed a new framework aimed at making loan benchmarks, interest-rate resets and lender spreads more transparent.

One of the key proposals is that existing loans should not be shifted to the new framework without the borrower’s consent