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Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Templates and checklists for your home loan.

Excel template and sample PDF. Month-by-month interest and principal.

A one-page PDF of what to compare, ask and collect before you switch.

A ready letter asking your lender to lower your rate. Word-friendly text and PDF.