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00:01 - 🔔 Introduction
00:38 - 📘 What the New RBI Rule Is About
01:10 - 🏦 Who This Rule Applies To (Home, Car, Personal Loans)
01:48 - 📍 Issue With Previous Rule Implementation
02:37 - 💡 Loan Basics: Benchmark Rate & Spread Explained
03:30 - 🧮 How Banks Calculate Your Loan Interest Rate
03:55 - 📉 How Loans Worked Before Oct 1, 2025 (3-Year Spread Lock-In)
04:18 - 🔄 What Changed After the New Rule (Spread No Longer Locked)
05:40 - ⚖️ Difference Between Old Rules & New Rules
06:09 - 🔓 End of 3-Year Lock-In & Impact on EMI
06:57 - ⭐ How Good Credit Score Helps Reduce EMI
07:21 - 🏠 Loan Tenure & Interest Advantage With New Rule
08:16 - 🧍‍♂️ Ramesh’s Example – EMI Reduced by Negotiation
09:16 - 🏦 What You Should Do: Check Loan Type & Visit Bank
09:41 - 📑 Calculate Balance Transfer & Negotiate Better Rates
10:10 - 📉 Importance of Credit Score & Final Advice
10:38 - 🙋‍♂️ Closing Notes & Call to Action

ലോൺ എടുത്തിട്ടുള്ളവർക്ക് ഒരു സന്തോഷവാർത്ത!🚨✨| New RBI Rules Explained

🚨 Loan എടുത്തിട്ടുള്ളവർക്ക് ഒരുപാട് സന്തോഷവാർത്ത!
Today’s video covers the latest Loan Updates, RBI announcements, EMI relief schemes, and new borrower benefits that every loan holder must know. Whether you have a personal loan, home loan, education loan, vehicle loan, or any type of bank loan, this update is extremely important.

In this video, we explain:
✔️ Latest RBI guidelines for loan borrowers
✔️ EMI reduction possibilities
✔️ Eligibility for new loan relaxation
✔️ How to get loan benefits easily
✔️ Bank rules that changed recently
✔️ Finance tips to manage loan safely
✔️ Who will receive the new loan benefits
✔️ How borrowers can reduce financial pressure

This video is specially created for those in Kerala who follow Malayalam Finance content and want accurate finance news in simple language. If you are planning to take a new loan or already paying EMI, make sure you watch till the end.

👉 Subscribe to Malayalam Finance for Daily Loan Updates, RBI News, Banking Tips, Savings Tricks, and Finance Guidance in Malayalam!

📌 Don’t forget to LIKE 👍 , SHARE 🔁 , and COMMENT your doubts below.
We reply to every financial question! 💬

#loannews #loanupdate #rbiupdate #emirelief #bankloan #financeupdate #personalloan #homeloan #vehicleloan #educationloan #loanbenefits #loanholders #keralafinance #malayalamfinance #loantricks #loanapproval #bankingnews #loanpolicy #emicut #financekerala #bosswallahmedia


DISCLAIMER
This video is for informational and awareness purposes only and should not be considered financial, legal, or professional advice. The details discussed regarding the Reserve Bank of India (RBI) guidelines, loan spreads, and EMI adjustments, including any examples provided, are simplified for explanation.

Loan policies, interest rates, eligibility, and savings can vary significantly based on individual circumstances, credit score, specific bank policies, and current RBI regulations. Before making any financial decisions related to loans, EMIs, or balance transfers, always consult with your bank or a qualified financial advisor. This video is not a substitute for professional advice.