Reactions of Ashish Kukreja, CEO and Founder of Homesfy.in and mymagnet.io on RBI Holds Repo Rate at 5.5% – Implications for Real Estate

New Delhi, October 03, 2025: The Reserve Bank of India’s (RBI) decision to maintain its repo rate at 5.5% points to a measured approach providing stability. The RBI is seeking some stability during its observations of the consequences of its previous monetary policy measures. With borrowing and mortgage terms stabilized, homebuyers achieve an outcome that guarantees their expected EMIs and, at a minimum, visibility on what is likely to happen in the future. Even though a rate cut could help stimulate demand in housing, maintaining stable rates prevents sharp increases in borrowing costs over the longer term from external pressures. Overall, analysts expect consumer sentiment to be stable and, essentially, somewhat supported by earlier announcements, rate cuts, and projected liquidity. From what I observe in the market, the stability in interest rates and easier credit availability is truly helpful. It boosts homebuyers’ confidence to make that important step and encourages developers to introduce new launches at the same time. This is the balance that helps supply housing and keeps the market moving.

Stable interest rates in the housing sector are beneficial and support sustained buyer confidence, providing certainty for developers who rely on timelines and cash flow planning for future projects. The cuts made in the past year have alleviated the initial financial pressure, and stable interest rates give the economy time to fully absorb the effects of the interest rate cuts. For future expectations, if inflation slows down and growth remains stagnant, there are still actions available to the RBI. However, from a housing and real estate perspective, the takeaway on what constitutes a prudent decision is that the central bank is being much more judicious in balancing growth and stability and is more confident in the buyers.

Corporate Comm India (CCI Newswire)