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- Mr. Amitabh Chaturvedi, Founder & Executive Chairman, Purple Finance
The Reserve Bank of India has held the repo rate steady at 5.50% with a neutral stance, balancing growth and inflation. Core inflation remains contained, with food prices easing and GST rationalisation further supporting a lower inflation outlook. This provides room for the financial system to sustain its strong momentum, with MSME and retail lending demand continuing to remain robust.
At Purple Finance, we see a strong case for continued healthy credit flows under these conditions, while noting that there could be scope for rate cuts later this year if macroeconomic conditions continue to improve.
- Parvinder Singh, CEO, Trident Realty :“The decision to keep the repo rate steady at 5.5% comes at the right time for the second time consecutively, with inflation easing and growth prospects looking stronger for FY26. A stable interest rate environment gives homebuyers the confidence to take firm decisions, especially when many are looking to upgrade to bigger homes during the festive season. For developers, it creates the right backdrop to push deliveries and launches without the overhang of rate volatility. This stability gives both buyers and developers the confidence to move ahead without added financial pressure.”
- Ashish Agarwal, Director, AU Real Estate : “The decision to keep the repo rate unchanged at 5.5% comes at a critical juncture for the housing market. Homebuyers are already recalibrating budgets to move into more spacious living, and keeping rates steady ensures affordability doesn’t slip out of reach. Even a 25-basis-point hike could have meant thousands more in EMI outgo, which often makes buyers defer decisions. For developers too, with project finance costs elevated and delivery timelines tightening, rate stability allows focus on execution rather than firefighting financial volatility. This will help the festive buying momentum convert into concrete sales, rather than remaining at the level of enquiries or intent.”
- Ashish Sharma, AVP Operations, Brahma Group :“We welcome the RBI’s decision to keep the repo rate steady at 5.5% with a neutral stance, as it provides the much-needed stability for the real estate sector. Consistent borrowing costs help keep EMIs affordable for homebuyers while enabling developers to allocate capital efficiently across ongoing and large-scale projects. This monetary consistency will reinforce buyer confidence, drive activity in price-sensitive markets, and ensure healthy liquidity. We expect sustained demand across residential and commercial segments, supporting long-term sectoral growth and strengthening overall market stability.”
- Mr. Santosh Agarwal, Executive Director & CFO, Alpha Corp Development Limited : “The RBI’s decision to maintain the repo rate at 5.5% for the second consecutive time reflects a balanced approach to sustain economic stability while to keep inflation in check. For the real estate sector, stability in lending rates ensures predictability for both developers and homebuyers. Developers can continue managing capital efficiently without sudden disruptions in financing costs, while homebuyers benefit from steady EMIs, supporting confidence in long-term investments. This consistency is particularly important for ongoing and large-scale projects, as it sustains demand across residential and commercial segments, improves cash flow stability, and strengthens overall market sentiment.”
- Abhishek Trehan, Executive Director, Trehan Iris : “Welcome the RBI’s decision to keep the repo rate unchanged at 5.5% for the second consecutive time. This move reinforces economic stability, boosts investor confidence, and provides much-needed predictability for both homebuyers and developers. Stable lending rates ensure affordability for buyers through consistent EMIs, while enabling developers to manage capital and financing for ongoing and large-scale projects more efficiently. We remain optimistic that the real estate sector will witness sustained demand, accelerated growth, and long-term value creation across residential and commercial markets.”
- Mr. Rajan Luthra, CFO, Action Construction Equipment (ACE) Ltd.“The RBI’s decision to maintain the repo rate provides a stable and predictable environment for capital-intensive sectors like construction equipment. Stability in financing costs is essential for contractors and infrastructure developers to plan and execute projects efficiently, ensuring momentum in the sector is maintained. Coupled with recent GST reforms, which ease input costs and improve project economics, the overall environment is supportive of sustained investment and long-term growth. At ACE, we see this as an opportunity to deepen engagement with our customers, enhance the solutions we offer, and play an active role in enabling infrastructure projects across the country. Such policy continuity allows us to focus on innovation, operational excellence, and delivering value to all stakeholders.”
- Mr Piyush Bothra, Co-Founder & CFO, Square Yards
The decision to keep the repo rate unchanged at 5.5% came as no surprise, given the crosscurrents in the economy. On the domestic front, the growth outlook remains firm with the international agencies such as the IMF revising forecasts upward, inflation largely contained, and GST 2.0 reforms adding further impetus. The 100 basis points of easing delivered earlier in the year are still working their way through the system. At the same time, global risks persist with US tariffs, tighter immigration policies, and a weaker rupee creating pressure. In housing, lower home loan rates alongside the festive season are driving a visible pickup in demand. While another cut would have added momentum, the case for further easing toward year-end remains strong.
- Mr Vimal Nadar, National Director and Head of Research, Colliers India
Banks are yet to fully transmit the earlier 100 basis points repo rate reduction and is expected to be completed soon in the ongoing festive season. This is expected to benefit the real estate sector, especially homebuyers in the affordable and mid-income segments. Additionally, the recent GST rationalization in key construction materials such as cement can allow room for developers to lower prices and offer lucrative deals to push housing sales. Overall, timely GST rationalization, stable financing costs and festive discounts augur well for real estate, especially housing, warehousing, retail and hospitality demand.
- Amit Prakash, Co-founder & CBO, Urban Money
Keeping the repo rate unchanged at 5.5% reflects a wait-and-watch approach. Domestic indicators are holding up well with steady growth, moderate inflation, and the gains of earlier easing still unfolding. At the same time, global uncertainty and currency weakness argue against pushing policy too far. For borrowers, the environment is already improving with banks gradually reducing lending rates, helping sustain household consumption and credit demand. The pause allows space for the impact of past actions to play out, while leaving scope for the central bank to step in with fresh easing if needed in ensuing months.
- Mr Amit Goyal, Managing Director, India Sotheby’s International Realty
