The Reserve Bank of India has decided to maintain the repo rate at 5.50%, keeping policy rates unchanged amid ongoing global uncertainties. The move is expected to provide stability to the financial ecosystem and support sectors such as real estate, while allowing homebuyers and investors to plan with greater confidence.
Mr. Pradeep Aggarwal, Founder & Chairman, Signature Global (India) Ltd., said, “We welcome the RBI’s decision to maintain the repo rate at 5.50%, as it brings stability and continuity to India’s financial ecosystem amid global uncertainties. The move is expected to sustain positive momentum across sectors, including real estate, by supporting liquidity, boosting consumer confidence, and encouraging investment activity.”
Mr. Jash Panchamia, Executive Director, Jaypee Infratech Limited, said, “The RBI’s decision to keep the repo rate unchanged reflects a steady and supportive approach to maintaining economic stability, with inflation under control. Following earlier reductions, the current stance provides stability to the housing market, allowing homebuyers and long-term investors to plan confidently.”
“For developers, consistent interest rates allow for careful planning and execution of projects. Coupled with attractive offerings and well-designed homes, demand remains robust across segments,” he added.
Mr. Ashok Kapur, Chairman, Krishna Group and Krisumi Corporation, said, “The RBI’s decision to maintain the repo rate at 5.50% reflects a cautious and prudent approach to balancing the twin objectives of economic growth and inflation management. While a rate cut at this juncture would have provided an additional boost to housing demand and overall market activity, the real estate sector continues to benefit from earlier reductions and existing lending rate adjustments by commercial banks.”
Mr. Vikas Bhasin, Managing Director, Saya Group, said, “The RBI’s decision to maintain status quo on policy rates is a welcome and expected move. This year, we have already witnessed significant support from the government—starting with consecutive policy rate cuts, followed by tax-saving measures in Budget 2025, and most recently, the rationalization of GST. Collectively, these initiatives have strengthened household savings and boosted the confidence of homebuyers.”
Mr. Raoul Kapoor, Co CEO, Andromeda Sales and Distribution, said, “The RBI’s decision to maintain status quo on policy rates comes in line with market expectations. As the RBI Governor highlighted, prevailing uncertainties around global trade tariffs and geo-political issues leave little room for further rate cuts at this stage.”
“To put this into perspective, a 100-bps cut reduces the EMI on a ₹1 lakh loan with a 20-year tenure by approximately ₹65 per lakh—translating into savings of nearly ₹1625 and ₹3250 respectively for loans of ₹25 lakh and ₹50 lakh.
When combined with additional savings from the revised income tax slabs and lower GST on key goods and services, household purchasing power has improved considerably. This creates a strong environment for credit demand to rise. As we move into the festive season, we expect to see a significant boost in borrowing across categories—ranging from consumer loans to housing finance—driven by improved affordability, policy support, and stronger consumer sentiment,” he explained.
