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Why is my loan provider not fully transferring the repo rate cut benefit to me?

While banks typically follow the RBI's guidelines closely and adjust their lending rates in line with changes in the repo rate, HFCs typically have more flexibility in setting their interest rates.
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Raoul Kapoor , Distribution Pvt Ltd , National Housing Bank , National Consumer Helpline , Andromeda Sales , Distribution Pvt , Marginal Cost , Funds Based Lending Rate , Linked Loan Rate , Repo Linked Lending Rate , Reserve Bank , Protection Forums ,