Mr. Rishi Anand, MD & CEO, Aadhar Housing Finance Ltd.
“By keeping rates unchanged and having a neutral stance, the RBI is giving the economy time to absorb and pass on the impact of earlier rate cuts. While near-term inflation expectations have moved up slightly, rate stability supports borrower confidence and growth momentum. For the housing segment, this brings predictability in interest costs and, when combined with prior easing, supports improved affordability. The RBI’s proactive liquidity management and steps such as easing branch norms for NBFCs will help ensure steady credit flow and strengthen access finance across Bharat.”
Kunal Shah, Co-founder, SURE
“The RBI’s decision to keep the repo rate unchanged at 5.25% as the MPC committee believes that outlook on growth and inflation are positive. Successful completion of trade deal with US augurs well for growth and outlook on inflation is closer to 4% target.
RBI has infused approximately Rs 13.70 lakh crores of liquidity in the banking system in current financial year (including dividend of Rs 2.70 lakh crores), apart from the this interest rates are reduced by 1.25%. Status quo will allow the economy to absorb the monetary changes introduced over the course of the last financial year. Neutral chance also ensure, RBI can deliver another rate cut if outlook on inflation turns favourable and global commodity prices normalise.
From a lending perspective, having maintained a neutral stance provides more certainty to both banks and borrowers on the earlier repo rate cuts. For borrowers, this stability means interest rates are less likely to see sudden movement. Existing borrowers will see more stable monthly outgo, while new buyers are better positioned to plan their home purchases with confidence, aided by predictable EMIs and stable rates improved affordability driven by prior easing.”