SBI Term Loan: RLLR: 8.15 | 7.25% - 8.45%
Canara Bank: RLLR: 8 | 7.15% - 10%
ICICI Bank: RLLR: -- | 8.5% - 9.65%
Punjab & Sind Bank: RLLR: 7.3 | 7.3% - 10.7%
Bank of Baroda: RLLR: 7.9 | 7.2% - 8.95%
Federal Bank: RLLR: -- | 8.75% - 10%
IndusInd Bank: RLLR: -- | 7.5% - 9.75%
Bank of Maharashtra: RLLR: 8.05 | 7.1% - 9.15%
Yes Bank: RLLR: -- | 7.4% - 10.54%
Karur Vysya Bank: RLLR: 8.8 | 8.5% - 10.65%

Experts Speak

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

08 Apr 2026

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The RBI's status quo reflects a strategic shift from stimulus-driven growth to stability-led consolidation, which is exactly what the real estate sector is seeking in the current cycle. With global volatility, currency pressures, and rising commodity risks in play, a predictable interest-rate environment enables better investment planning, disciplined pricing, and efficient capital allocation. For investors, this translates into more sustainable returns rather than speculative upside. Coupled with structural enablers like infrastructure push, REIT financing access, and steady demand recovery, the sector remains fundamentally strong where stability, not just rate cuts, is emerging as the key catalyst for long-term value creation.

Vishal Raheja, Founder & MD, InvestoXpert Advisors

08 Apr 2026

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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

08 Apr 2026

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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

08 Apr 2026

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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

08 Apr 2026

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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

08 Apr 2026

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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.

Ms. Shraddha Kedia-Agarwal, Director, Transcon Developers

08 Apr 2026

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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.

Mr. Dhruman Shah, Promoter, Ariha Group

08 Apr 2026

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The RBI's policy stance reflects a well-calibrated response to both domestic resilience and global volatility. Institutional and HNI investors are likely to remain bullish on real estate as an asset class, given its ability to hedge against inflation and deliver long-term value.

Mr. Nihar Jayesh Thakkar, Founder, The Mandate House Pvt. Ltd.

08 Apr 2026

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Given the current geopolitical uncertainties and surging input cost pressures, the RBI's unchanged repo rate stability provides a crucial foundation for the sustained growth impetus for the real estate sector. This decision is particularly significant for the luxury and mid-income housing, where borrowing costs and sentiments play a critical role. It will allow developers to stay focused on execution despite external volatility and support project completions, which would inturn boost consumer confidence. A future easing of rates could further accelerate demand and decision-making.

Mr. Vishal Ratanghayra, Founder & CEO- Platinum Corp.

08 Apr 2026

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