Borrowers are keenly awaiting the outcome of the Reserve Bank of India’s Monetary Policy Committee (MPC) meeting, scheduled from June 3 to June 5, for cues on the future direction of interest rates and home loan EMIs.

While inflation has largely remained within the RBI’s comfort zone, policymakers continue to tread cautiously amid several emerging risks. Rising global energy prices could push up transportation and manufacturing costs, while concerns over weather-related disruptions and a possible El Niño impact may lead to higher food inflation in the coming months.

At the same time, signs of slowing economic growth have complicated the policy outlook, forcing the central bank to strike a delicate balance between supporting growth and keeping inflation under control. As a result, borrowers and markets alike will be closely tracking the MPC’s commentary for any indication of the RBI’s next move on interest rates.

Kunal Rishi, Chief Operating Officer, Krisumi Corporation, said, “The RBI is currently navigating a complex macroeconomic environment, where it must carefully balance inflation management with the need to sustain growth momentum. While inflationary pressures warrant close monitoring, global uncertainties and evolving geopolitical developments continue to create challenges for economic activity. In such a scenario, maintaining confidence across industries and supporting the broader growth trajectory remain equally important policy considerations. Given the prevailing volatility in the global environment, any further rate hike at this stage could weigh on industry sentiment, particularly across interest-sensitive sectors.

In this context, we believe the RBI should maintain its growth-supportive stance. The ideal approach would be to keep rates unchanged to support economic activity. For the housing sector, lower borrowing costs are critical to sustaining homebuyer demand and enhancing affordability. A supportive rate environment would encourage home purchases, strengthen consumer confidence, and provide a positive impetus to the real estate sector, which has strong linkages with the broader economy.”

The June MPC meeting comes at a critical time, with the RBI balancing growth concerns against potential inflation risks. While a status quo on rates is widely expected, markets will closely watch the central bank’s guidance on the future policy trajectory.

For homebuyers and borrowers, the outcome could provide important signals on the direction of lending rates in the coming months. A continued growth-supportive stance would be positive for housing demand, affordability and overall market sentiment.

While an immediate impact on EMIs may be unlikely, the RBI’s commentary could shape expectations around borrowing costs for the rest of the year.

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Hyderabad: January 30^th, 2026: CREDAI Hyderabad welcomes the Economic Survey 2025–26, which reaffirms Hyderabad’s role as a key driver of India’s urban and economic growth. The Survey projects 7.4% GDP growth for FY26, supported by strong Gross Fixed Capital Formation nearing 30% of GDP, a resilient services sector growing at 9.1%, and credible fiscal consolidation with the fiscal deficit at around 4.8% of GDP.

Hyderabad’s growth stands out for its simultaneous urban densification and rapid peripheral expansion, reflecting sustained demand for high-density residential and commercial development. This pattern highlights the need for possibility-oriented urbanism, where infrastructure, mobility, and utilities keep pace with city expansion.

The Survey highlights strong sectoral performance, with the Financial, Real Estate and Professional Services sector growing by 9.9% in H1 FY26, while construction recorded 7.4% growth, underscoring the multiplier impact of public capital expenditure on housing, jobs, and infrastructure.

Commenting on the Economic Survey, Mr. Jagannath Rao Bandari, President-elect, CREDAI Hyderabad, said:

“The Economic Survey captures Hyderabad’s unique growth trajectory, with both core densification and peripheral expansion progressing together. To sustain this momentum, it is critical to address constraints in land, mobility, and infrastructure through predictable regulations, contextual compliance, and trust-based governance.”

CREDAI Hyderabad aligns with the Survey’s assessment that the high cost of capital remains a key constraint and calls for risk-mitigation tools, partial credit guarantees, and improved access to long-term finance to support housing supply across segments.

Looking ahead to the Union Budget 2026, CREDAI Hyderabad expects continued emphasis on infrastructure funding and public capex to sustain 7–8% construction growth, along with expanded support for PMAY 2.0, single-window clearances, and viability gap funding for affordable housing.

On taxation for homebuyers, CREDAI Hyderabad urges further reforms including higher income-tax deductions on home loans, NPS-like tax benefits linked to housing finance, and rationalisation of stamp duties, which will enhance affordability and boost middle-class homeownership.

CREDAI Hyderabad reiterates its commitment to reform-led growth, affordable housing, and sustainable urban development, and looks forward to policies that strengthen Hyderabad’s contribution to India’s $5 trillion economy.

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