Rishi Anand, MD & CEO, Aadhar Housing Finance limited
“The additional 25-basis points rate cut to 6% by the Reserve Bank of India is a significant step in supporting growth and completely in line with the industry’s expectations. As I had mentioned earlier, since nearly 80% of Aadhar Housing Finance’s existing borrowers are on floating rates this reduction will benefit them. At some stage soon this will lead to reduction in Aadhar RPLR thereby reducing EMI burden. The only wait now is for the banks to pass on this benefit to us.
Furthermore, many first-time buyers in the Economically Weaker Section (EWS) and Lower Income Group (LIG) segments will now find it easier to take that crucial step towards home ownership as this move directly translates into lower EMIs and improved affordability. This proactive liquidity support from the central bank clubbed with government initiatives like PMAY 2.0, (SWAMIH) 2.0 fund, income tax exemptions, the introduction of a mortgage guarantee fund will positively accelerate housing demand and aid to government’s vision of housing for all.”
Samir Bhandari, Co-founder & CFO, hBits
“The RBI’s decision to reduce the repo rate to 6.0% is both timely and forward-looking. In the backdrop of global trade frictions and tariff uncertainties, the central bank’s proactive stance underscores its commitment to supporting growth while maintaining inflation within target. The move to an accommodative stance signals confidence in India’s macroeconomic resilience and a willingness to act decisively in bolstering domestic demand. We expect further calibrated rate cuts ahead as global volatility continues to cloud the outlook, especially for interest rate-sensitive sectors like real estate. This policy direction could significantly lower borrowing costs, improve liquidity flows, and catalyze investments across commercial and retail real estate segments.”