This is what industry experts have to say about the recent rate cut by the RBI 

Manish Jain , President, Credai Pune

The recent repo rate reduction of 25 bps and a cumulative 125 bps rate cut this year is very encouraging. For homebuyers, it has a very meaningful impact. On a 75-lakh home loan over 20 years, this reduction can lower EMIs by INR  6000 per month, saving borrowers over INR 15 lakh over the loan tenure compared to last year. This will significantly boost home-buying sentiment and drive housing demand. 

K Jena, Chief Financial & Risk Officer, Bombay Dyeing (Bombay Realty)

The rate cut delivers relief across both demand and supply sides of the housing eco-system. It is conducive especially in the backdrop of GST rationalization. From an industry standpoint, lower rates ease developers’ borrowing costs, improve liquidity cycles and support more efficient capital deployment. Together, these measures are likely to accelerate momentum in mid-income and premium housing, reinforcing a healthier and more sustained growth trajectory in the real estate sector.

Nitin Bavisi, CFO, Ajmera Realty

With a total cumulative rate cut of 125 bps in 2025, demand for upcoming housing launches is likely to gain further momentum. Supported by this combination of rate cuts, low inflation and strong economic growth, , the economy is well positioned for a virtuous cycle of consumption, investment and sectoral expansion.

Jash Panchamia, ED, Jaypee Infratech Limited 

The rate cut comes at an opportune time with inflation under control and the economy on a stable footing. The housing sector, especially affordable and mid-segment stands to benefit as lower home loan rates are likely to encourage cautious buyers to make the purchase decision. Consequently, this could create a positive ripple effect driving demand for quality homes and further strengthening market activity, while supporting investment sentiment and fostering long-term confidence in the real estate ecosystem.

Mohit Malhotra, Founder & CEO, Neoliv

RBI’s decision to reduce the repo rate by 0.25% is a strategic approach as lower interest rates would make financing more affordable for mid-segment projects, encouraging more people to own their dream home and fuelling growth. For developers, this presents an exciting opportunity to accelerate project timelines, expand portfolios and create more value for both investors and mid-segment customers, driving the real estate industry forward with renewed momentum. 

Piyush Bothra, Co-Founder & CFO, Square Yards  

The 25-bps rate cut to reinforce affordability is a bold move in the current global macro environment, offering a meaningful boost to the real estate sector. It builds positively on the earlier rate easing undertaken this year. Lowering of interest rates in the festive quarter is expected to accelerate demand across mid-income and first-time buyer segments. 

Nitesh Kumar, MD & CEO, Emami Realty

Combined with 150 bps cumulative reduction since February 2025, the latest rate cut restores genuine housing affordability for the salaried middle class after 3 long years of higher EMIs. Loan eligibility has jumped 8-10% from the same income. Since the October cut, bookings in the affordable segment are already up sharply. Home loan rates are at the lowest since mid-2022, inventory is fresh and developers are holding base prices firm to pass on maximum benefits to buyers.

 Vikas Bhasin, MD, Saya Group

The RBI’s 25 bps rate cut is a timely boost for the sector. For borrowers, this translates into lower EMIs and improved liquidity while for homebuyers, it significantly enhances affordability and purchasing power. With borrowing costs easing, renewed momentum is expected in housing demand, particularly in the mid- income and first-time buyer segments.

Piyush Lohia, Director Lohia World Space

The latest 25 bps rate cut together with projected 7.3% GDP growth, benefits both buyers and developers. It is particularly positive for Tier 1-2 markets where rising aspirations meet the need for affordable, quality housing. Lower costs in these cities create opportunities for first-time buyers while giving developers confidence to plan and execute long-term sustainable projects.

Ashish Agarwal, Director, AU Real Estate

The rate cut is timely that will immediately improve home loan affordability and give confidence to buyers who have been waiting for a signal to enter the market. The strong fundamentals shown by the real estate sector together with rate cut , will reinforce the momentum especially in the mid and premium housing categories.

Parvinder Singh, CEO, Trident Realty

With this rate cut, we expect to see a healthy surge in site visitors, enquiries and conversions in the coming months as the RBI’s action strengthens the sentiment of both buyers and developers and lifts overall market confidence. RBI has created a positive runway for sustained demand and long-term growth across the real estate eco system.