🚀 RBI just slashed the repo rate by 25 bps from 6.50% to 6.25%! What does this mean for YOU? ✅ Lower EMIs on home, auto, & personal loans 💰 Example: ₹1Cr home loan (30 years) 🔹 At 8.75% → EMI: ₹78,670 🔹 At 8.5% → EMI: ₹76,891 🔥 That’s ₹1,779 less per month = ₹21,345 saved per year! But here’s the flip side… 🏦❌ ⬇️ Lower repo rate also means falling FD rates! 🔹 Over the last 4 years, banks gave high FD returns to maintain liquidity. Now? FD rates will likely drop, hitting retirees & conservative savers. 💡 So, what’s the smart move? 👉 Don’t prepay your home loan—invest instead! 📈 Historically, mutual funds & stock markets deliver 12%+ annually, much higher than your 8.5% loan rate. Let your money compound! 👉 Swap FDs for debt mutual funds! 📊 In a falling rate scenario, debt funds outperform FDs—better returns, more flexibility! Call us at 98218 60804, 96533 87088, or 83694 18292, or visit us at 5th Floor, Bellona, The Walk, Hiranandani Estate, Thane (W) 400 607 for a complimentary portfolio and policy review. Disclaimer: Enrichwise is an AMFI registered MFD. This content is for informational purposes only and does not constitute financial or investment advice. #reporate #rbipolicy #interestrates #homeloan #loanemi #personalfinance #fd #debtfunds #stockmarket #investment #wealthbuilding #financetips #moneymatters #financialfreedom #smartinvesting #mutualfunds #budget2025 #savings #emicalculator #wealthcreation #enrichwise #fixeddeposits