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

In a time marked by geopolitical disruptions and cautious buyer sentiment, the RBI's decision to maintain the status quo at 5.25% provides a much-needed steadiness to the real estate market. This will enable developers to strategically plan for financial clarity while maintaining the robust demand we are observing, particularly in the premium housing segment. In this market, the buyer sentiment is closely related to confidence and long-term financial perceptibility, both of which are strengthened by a steady rate environment. This reliability further reinforces investor and buyer confidence, which is crucial as we move into the key buying periods. That said, a standardized rate reduction would act as a catalyst, enhancing affordability at the top end and unlocking the next phase of growth for the real estate sector

Mr. Chintan Sheth, Chairman & Managing Director of Sheth Realty

08 Apr 2026

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The RBI's decision to maintain the repo rate reflects a calibrated and confidence-driven approach in the current economic environment. With inflation relatively stable and growth momentum intact, this policy stance provides clarity and reassurance to both homebuyers and developers. For the real estate sector, a steady interest rate regime plays a critical role in sustaining affordability and supporting end-user demand. More importantly, it reinforces a sense of predictability, which is essential for long-term investment decisions. Going ahead, this stability, coupled with ongoing infrastructure momentum, is likely to keep residential demand resilient and well-supported.

Mr. Bhavesh Shah, Joint Managing Director, Today Group

08 Apr 2026

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Today's announcement to maintain the repo rate at 5.25% helps the RBI provide stability at a time of global uncertainty. In important real estate markets like Mumbai, we have previously seen record property registrations driven by homebuyers taking advantage of stable interest rates and improved project visibility. The MPC meet outcome today underlines how predictable rate environments support steady absorption. For both homebuyers and developers, this will add to continuity brining stability, confidence and empowering long-term planning. It will help sustain momentum across key segments of the housing market.

Mr. Anuj Goradia, Director, Dosti Realty

08 Apr 2026

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RBI's decision to hold the repo rate at 5.25% is much welcome as it provides much-needed stability at a time of heightened geopolitical uncertainty and volatile oil prices. It allows homebuyers to ensure better planning and decide with greater confidence, supported by stable EMIs. For developers and the real estate at large, this pause in repo rates will help the sector sustain project momentum as it helps in mitigating the impact of potential rupee depreciation on construction costs.

Mr. Vivek Mohanani, CEO and managing director of Ekta World

08 Apr 2026

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The RBI-MPC decision reinforces market confidence amid ongoing geopolitical uncertainty. Holding the repo rate at 5.25% along with the reopening of the Strait of Hormuz will help avert added pressures arising from the increasing fuel and material costs. With the repo rate unchanged, homebuyers will benefit from sustained affordability, while the sector will be in a position to prioritise execution and developers capitalise on the sector's continued momentum.

Mr. Aditya N. Shah, Joint Managing Director, Mayfair Housing

08 Apr 2026

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Following the recent RBI policy announcement, where the repo rate has been retained at 5.25%, market sentiment is expected to remain stable, particularly across the affordable and mid-income segments. With some uncertainty around, this move to keep interest rates unchanged is a positive step. While this may not immediately lower borrowing costs, it continues to support existing demand dynamics by maintaining steady home loan rates and EMIs for buyers. This stability is likely to sustain affordability levels and keep buyer interest intact. Additionally, it offers developers some predictability in construction financing costs. Overall, the unchanged stance is expected to uphold positive buyer sentiment.

Mr. Prashant Khandelwal, Joint Secretary, CREDAI MCHI and Director & CEO, Agami Realty

08 Apr 2026

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The RBI holding the repo rate at 5.25% is reassuring for both homebuyers and the real estate sector. Stable rates support affordability, keep EMIs predictable and help sustain buying sentiment. At a time of rising costs and global uncertainty, this policy continuity is constructive for demand across residential and commercial real estate.

Mayur R. Shah, Vice-Chairman, Marathon Nextgen Realty Ltd. and former president of CREDAI-MCHI

08 Apr 2026

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The RBI's decision to hold the repo rate at 5.25% reflects a calibrated pause amid rising global uncertainty, particularly the West Asia crisis and its inflationary spillovers through energy prices. For Indian real estate, this stability is significant. After cumulative rate cuts in 2025, residential demand, especially in mid and premium segments, has already absorbed higher price levels, with key markets seeing 8-12% YoY appreciation. A pause now sustains buyer sentiment without triggering fresh affordability shocks.
However, elevated input and financing costs will continue to pressure developer margins, even as bank credit growth remains strong. On the capital side, 20% growth in FDI signals continued investor confidence. Yet, prolonged geopolitical volatility could delay institutional inflows and impact construction timelines, particularly in cost-sensitive segments.

Mr. Avneesh Sood, Director, Eros Group

08 Apr 2026

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The Maharashtra Government's decision to keep Ready Reckoner rates unchanged has been welcomed by stakeholders in Thane's real estate sector. The state government's decision to maintain stable Ready Reckoner rates will help boost confidence among homebuyers and investors, especially during uncertain global economic times. The decision is expected to maintain the momentum in Thane's real estate market, providing a boost to homebuyers and investors alike.

Sachin Mirani, President, CREDAI MCHI Thane.

02 Apr 2026

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The decision will positively impact the 23rd Thane Property Expo scheduled later this month. "An upward revision could have impacted home buying sentiment, so this move is welcome."

Faiyaz Virani, Hon. Secretary, CREDAI MCHI Thane.

02 Apr 2026

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