1) Mr Amit Goyal, Managing Director, India Sotheby’s International Realty
This is the fourth consecutive RBI policy with the repo rate unchanged at 5.25%, and we welcome the decision. Despite higher crude prices and June retail inflation rising to an 18-month high, the RBI has prioritised stability. It reflects confidence in the resilience of the Indian economy, while remaining watchful of global risks.
For real estate, the timing is significant. This is the last policy review before the festive season, giving homebuyers and developers greater certainty to plan purchases and launches. Stable EMIs are particularly important as some overheated markets begin to see demand moderate. We expect this unchanged interest rates, together with easing crude prices, to support buyer sentiment and help sustain housing demand through the festive season.
2) Mr Vimal Nadar, National Director & Head of Research, Colliers India
“RBI has kept the repo rate unchanged at 5.25% along with continuation of neutral stance, reflecting a vigilant approach amid the resurgence of West Asia crisis, volatile crude prices, fluctuating rupee and persistent inflationary risks. Although trade uncertainty, tariff rate recalibrations & renewed supply chain disruptions could weigh on growth prospects and affect multiple economic sectors, Indian real estate holds potential to navigate the downside risks successfully.
Additionally, stability in interest rates continue to provide comfort to homebuyers, especially in the affordable and middle-income segments. With the upcoming festive season, stability in EMIs could boost housing demand in the next few quarters. However, affordability pressures stemming from rising construction and labour costs may moderate sales as compared to the previous year. Developers, meanwhile, are likely to remain focused on cost management and timely project deliveries. Moreover, the recent RERA advisory to grant a four-month extension to eligible projects impacted by the West Asia conflict, provides a much-needed regulatory relief to affected developers.”
3) Mr Shrinivas Rao, FRICS, CEO, Vestian
“The RBI’s decision to keep the repo rate unchanged at 5.25% depicts its balanced approach amid prevailing geopolitical uncertainty, an uneven monsoon, and rising domestic inflation. The stable monetary policy is expected to support capital inflows into the real estate sector at a time when developers continue to grapple with elevated construction costs and softer foreign investment sentiment due to the West Asia conflict. The current mortgage rates may offer a limited window for prospective homebuyers before any potential policy tightening. If crude oil prices and inflationary pressures intensify in the coming months, the RBI may consider a 25-basis point rate hike in its next MPC meeting.”
4) Mr Akhil Saraf, Founder & CEO, Reloy (A proptech Firm)
“The RBI’s decision to keep the repo rate unchanged at 5.25% brings much-needed stability to the real estate sector. In today’s market, predictability is just as valuable as lower interest rates. For homebuyers, it means greater confidence in planning their finances and making purchase decisions, while for developers, it provides the certainty needed to plan investments and execute projects efficiently. Although a rate cut would have provided an additional boost to housing demand, maintaining the current rate strikes the right balance between supporting economic growth and keeping inflation in check. Overall, this policy continuity is expected to sustain positive sentiment across the residential real estate market.”
5) Anupam Rastogi, Co-Founder & CBO, Square Yards
“The residential real estate industry benefits from the RBI’s decision to keep the repo rate at 5.25% since it promotes a steady and predictable borrowing environment. For creditworthy homeowners, financing conditions remain appealing because some lenders offer home loans at rates as low as about 7.25%. Stable borrowing prices, developer incentives, flexible payment plans, and competitive pricing could boost buyer sentiment and promote purchasing decisions as the holiday season draws near. Because ready-to-move-in and near-completion properties offer more assurance regarding delivery and the possibility of long-term value appreciation, the atmosphere is especially favorable for individuals contemplating such properties”
6) Amit Prakash Singh, Co-Founder and CBO, Urban Money
“The RBI’s decision to maintain the repo rate at 5.25% reinforces a stable and predictable borrowing environment, which is positive for the residential real estate sector. With select lenders offering home loans at rates starting at approximately 7.25%, financing conditions remain attractive for creditworthy homebuyers. As the festive season approaches, stable borrowing costs, combined with developer incentives, flexible payment plans and competitive pricing, could strengthen buyer sentiment and encourage purchase decisions. The environment is particularly favourable for those considering ready-to-move-in and near-completion properties, which offer greater certainty around delivery and the potential for long-term value appreciation.”