Kunal Shah, Co-founder, SURE (India’s First Liability Management Platform)
“As expected, RBI MPC has delivered a dovish cut in interest rates, acknowledging that the inflation trend is much lower, if we take out the impact of gold prices, realised inflation this year is only 1.5-2.0%. Leaving the rooms for one more cut in future if growth slows down.
The cut is timely and will bring relief for homebuyers, lowering EMIs and reducing total interest outflow. For a home loan of ₹50 lakhs, borrowers could now save around *₹1.80 lakh over the 20y tenure, further improving affordability and boosting housing demand.
For banks, the rate cut may compress lending margins in the short term, but it is also expected to stimulate higher credit demand, particularly in home loans, supporting overall portfolio growth. With rates continuing to soften, 2026 is shaping up to be more favourable for both borrowers and lenders.”
Reeza Sebastian Karimpanal, Chief Revenue Officer – Residential, Embassy Developments Ltd.
“With inflation softening and the central bank reaffirming confidence in India’s economic trajectory, the current rate cut brings much-needed clarity and support to the broader real estate ecosystem.
For developers, improved financing conditions and stronger liquidity sentiment are encouraging. This stability is likely to accelerate project momentum and strengthen demand across key markets. While the luxury segment continues to remain resilient with strong end-user demand, a more accommodative policy backdrop helps unlock broader market participation and long-term planning for the industry. We are also seeing sustained interest from a new generation of homebuyers who are prioritising quality living, integrated amenities, and long-term value creation. Although mid-income and first-time buyers may benefit more directly from lower EMIs, the overall confidence boost supports sentiment across segments, including premium and luxury.”
Amit Prakash, Co-founder & CEO, Urban Money
“The 25-basis point reduction in the repo rate comes at a timely moment, strengthening monetary support as domestic fundamentals remain constructive. With growth projections revised upward by global agencies and inflation well-anchored, the move adds incremental support to overall financial conditions. Tax reforms continue to bolster demand, complementing the policy easing. The cut also builds on earlier reductions this year, reinforcing transmission as lending rates trend lower. Financial conditions are expected to improve further as banks align their lending rates with the policy adjustment.”
Ashish Goyal, Co-Founder and Whole Time Director, Fibe ( a series e funded digital lending platform)
“The 25 bps rate cut announced today, taking the total reduction to 125 bps in 2025, signals a strong shift toward supporting growth while keeping inflation in check. The cumulative easing brings down borrowing costs meaningfully, strengthens household purchasing power and gives customers more confidence to plan long-term. Lower rates also create a clear push for higher consumption as everyday credit becomes more accessible, and the cost of major purchases becomes easier to manage.”
Meanwhile, the liquidity actions through large government bond purchases and the three-year dollar rupee swap focus on strengthening the financial system itself. Injecting more than ₹1 lakh crore into the economy ensures lenders have the flexibility to extend credit smoothly and prevents any strain on financial conditions. Better liquidity also improves policy transmission, supports small enterprises and stabilises financial markets. Combined with the RBI’s renewed push on customer service and grievance resolution, these steps create a more resilient and customer-centric financial environment that supports broad-based economic momentum.”
