The RBI's Monetary Policy Committee has decided to keep the repo rate unchanged at 5.5%. "Today’s rate pause...may be the last chance for depositors to lock in high FD rates...Locking in FDs...can help protect your returns before rates start to soften," Business Today reported, citing Bankbazaar.com's CEO Adhil Shetty. If rate cuts resume later, new FD offers could start falling.