Welcome to Prop Personalities by Prop News Time - a podcast ...
RBI's decision to hold the repo rate at 5.25% is much welcome as it provides much-needed stability at a time of heightened geopolitical uncertainty and volatile oil prices. It allows homebuyers to ensure better planning and decide with greater confidence, supported by stable EMIs. For developers and the real estate at large, this pause in repo rates will help the sector sustain project momentum as it helps in mitigating the impact of potential rupee depreciation on construction costs.
Mr. Vivek Mohanani, CEO and managing director of Ekta World
Following the recent RBI policy announcement, where the repo rate has been retained at 5.25%, market sentiment is expected to remain stable, particularly across the affordable and mid-income segments. With some uncertainty around, this move to keep interest rates unchanged is a positive step. While this may not immediately lower borrowing costs, it continues to support existing demand dynamics by maintaining steady home loan rates and EMIs for buyers. This stability is likely to sustain affordability levels and keep buyer interest intact. Additionally, it offers developers some predictability in construction financing costs. Overall, the unchanged stance is expected to uphold positive buyer sentiment.
Mr. Prashant Khandelwal, Joint Secretary, CREDAI MCHI and Director & CEO, Agami Realty
The central bank's measured approach is encouraging for the real estate industry. While inflationary pressures remain a watchpoint, the strong GDP growth outlook signals continued economic stability. This will have a positive ripple effect on real estate demand, particularly in urban and redevelopment-driven markets. Developers will continue to align offerings with evolving buyer preferences and affordability considerations.
The RBI's outlook highlights India's strong growth fundamentals despite global headwinds. For the housing sector, a stable interest rate environment is critical in sustaining buyer sentiment. With inflation expected to remain within a manageable range, we believe homebuyers, especially in the luxury and aspirational segments, will continue to make investment decisions with confidence. This policy reinforces the sector's positive momentum.
The policy underscores the RBI's commitment to maintaining macroeconomic stability during uncertain global conditions. The real estate sector, particularly commercial and mixed-use developments, will benefit from continued economic momentum and business confidence. As corporate expansion and leasing activity remain robust, we foresee sustained demand for quality commercial assets, especially in key urban hubs.
Mr. Shilpin Tater, Managing Director, Superb Realty
Welcome to Prop Personalities by Prop News Time - a podcast ...
The RBI's decision reflects a fine balance between inflation management and sustaining growth momentum amid global uncertainties. While rising crude prices and currency pressures remain concerns, India's economic resilience continues to stand out. For the real estate sector, stability in rates coupled with a strong GDP outlook of 6.9% will support buyer confidence, especially in the mid-income and premium housing segments. We expect end-user demand to remain steady, with homebuyers continuing to take a long-term view on investments.
Mr. Kaushal Agarwal, Chairman, The Guardians Real Estate Advisory
With infrastructure and construction activity closely tied to economic growth, the RBI's positive GDP outlook is a strong signal for the sector. While cost pressures due to global factors like rising crude prices remain, the steady policy environment will help maintain project viability and execution momentum. We expect continued focus on timely delivery and cost optimization across the industry.
Mr. Rohan Shukla, Director and Chief Civil Officer, DGS Group
The RBI's cautious stance, in light of global geopolitical tensions and inflationary risks, is a prudent move. The real estate sector benefits greatly from policy stability, and the current outlook provides that reassurance. With inflation projected at manageable levels and growth holding firm, we anticipate sustained traction in housing demand, particularly in emerging micro-markets and affordable housing segments, where affordability remains key.
Mr. Kamlesh Thakur, Co-Founder & Managing Director, Srishti Group
The RBI's decision to hold the repo rate at 5.25% underscores the importance of stability in today's uncertain global environment. For the real estate sector, consistency in borrowing costs is more valuable than short-term rate cuts, as it keeps EMIs predictable and sustains homebuyer confidence. This steady stance will continue to support demand, particularly in the mid-income and affordable segments, while reinforcing long-term market resilience.
Ashish Narain Agarwal, Founder & MD of PropertyPistol
The RBI has held the repo rate at 5.25% for the second consecutive meeting, but the context this time is meaningfully different. This is not a routine pause. The MPC has flagged a supply shock driven by the West Asia conflict, with crude oil surging well above its own planning assumptions. The unanimous decision to hold reflects a deliberate choice to wait and watch before acting in either direction.
Home loan borrowers on repo-linked products are already seeing the benefit of the 125 basis points delivered since early 2025. On a 50 lakh, 20-year loan, that translates to an EMI saving of around 3,050 per month and a lifetime interest saving of 7.34 lakh. On a 75 lakh loan, the monthly saving is approximately 5,800, with total interest savings of 13.94 lakh. A rate hold keeps these gains intact. Borrowers still on MCLR-linked products are not seeing this benefit automatically and should switch to a repo-linked loan without delay. Those paying 50 basis points or more above current market rates should explore refinancing now.
On fixed deposits, select private bank tenures are offering up to 7.4%, with several others in the 7-7.2% range. Senior citizens can add another 25-50 basis points on most products. The rate trajectory from here is genuinely uncertain the MPC has warned that a supply shock could evolve into a demand shock if energy prices stay elevated. Depositors would be well-advised to lock in at current levels rather than assume rates will stay where they are.
Laddering across multiple tenures manages reinvestment risk without sacrificing near-term returns. PPF at 7.1% and SCSS at 8.2% remain compelling sovereign-backed complements to bank FDs.
For equity investors, the picture is more nuanced than in a typical rate pause. Financial markets have turned volatile, and the MPC itself has flagged risks to consumption and investment from higher energy costs and supply chain disruptions. Sectors such as banking, real estate, auto and consumer durables remain structurally well-positioned as the cumulative easing works through the economy but near-term headwinds are real. For SIP investors, maintaining consistent monthly contributions through this period of uncertainty remains the most effective long-term strategy.
This disclaimer ("Disclaimer") is applicable to the entire Site. Upon entering the Site it is recommended that you immediately read the Terms and Conditions and Privacy Policy listed therein. Your continued usage of this Site will indicate your unconditional acceptance of the said Terms and Conditions and Privacy Policy. You hereby agree that Prop News Time reserves the right to modify at any time, the Terms and Conditions and Privacy Policy governing this Site without prior notification. Your usage of the Site implies that you will be bound by any such modification. You agree and acknowledge that it is your responsibility to periodically visit the Site and stay updated with the Terms and Conditions and Privacy Policy of the Website.
The information contained in this Site has been provided by Prop News Time for information purposes only. This information does not constitute legal, professional or commercial advice. Communication, content and material within the Site may include photographs and conceptual representations of projects under development. All computer-generated images shown on the Site are only indicative of actual designs and are sourced from third party sites.
The information on this Site may contain certain technical inaccuracies and typographical errors. Any errors or omissions brought to the attention of Prop News Time will be corrected as soon as possible. The content of this Site is being constantly modified to meet the terms, stipulations and recommendations of the Real Estate Regulation Act, 2016 (“RERA”) and rules made thereunder and may vary from the content available as of date. All content may be updated from time to time and may at times be out of date. Prop News Time accepts no responsibility for keeping the information on this website up to date or any liability whatsoever for any failure to do so.
While every care has been taken to ensure that the content is useful, reliable and accurate, all content and information on the Site is provided on an "as is" and "as available" basis. Prop News Time does not accept any responsibility or liability with regard to the content, accuracy, legality and reliability of the information provided herein, or, for any loss or damage caused arising directly or indirectly in connection with reliance on the use of such information. No information given under this Site creates a warranty or expands the scope of any warranty that cannot be disclaimed under applicable law.
This Site provides links to other websites owned by third parties. Any reference or mention of third-party websites, projects or services is for purely informational purposes only. This information does not constitute either an endorsement or a recommendation. Prop News Time accepts no responsibility for the content, reliability and information provided on these third-party websites. Prop News Time will not be held liable for any personal information or data collected by these third parties or for any virus or destructive properties that may be present on these third-party sites.
Your use of the Site is solely at your own risk. You agree and acknowledge that you are solely responsible for any action you take based upon this content and that Prop News Time is not liable for the same. All details in the form of news stories, photos and videos provided on this Site are updated on the basis of information available from the respective developers/owners/promoters. All such information will not be construed as an advertisement. This Site is for guidance only. Your use of this Site – including any suggestions set out in the Site and or any use of the resources available on this Site, do not create any professional–client relationship between you and Prop News Time. Prop News Time cannot accept you as a client until certain formalities and requirements are met.
Cookie Disclaimer
We use cookies to give you the best possible service while using our website, please accept it and continue browsing if you're happy with this. For more information see our Privacy Policy
