By Admin 
RBI Repo Rate Unchanged: After the three-day meeting of the Monetary Policy Committee of RBI on Friday, it was decided not to make any change in the repo rate in the last meeting of the financial year 2026. The six-member committee unanimously kept the repo rate constant at 5.25 percent. This has a direct impact on home loans, because with no change in interest rates, EMIs will also remain the same. This has brought special relief to those who are planning to buy a house or are about to take the final decision, as they will get a chance to take their financial decisions with more confidence.
This decision of the Reserve Bank of India is being considered positive for both homebuyers and the real estate sector. Stability in interest rates will not only not put additional burden on existing customers, but will also strengthen the confidence of potential buyers. Industry experts believe that when interest rates remain stable, the decision-making process of buyers becomes faster and developers get clarity in project planning, construction schedule and cash flow management, thereby promoting timely project delivery.
Relief to home buyers from RBI’s decision
E. Lakshminarayana Reddy, Founder and CEO, EARA Group, said that maintaining the repo rate at 5.25 percent is a balanced and prudent decision. This maintains stability in borrowing costs, allowing developers to better plan long-term projects and giving investors and home buyers the confidence to make informed decisions.
At the same time, VP – Sales and Marketing of VVIP Group Umesh Rathore says that keeping the repo rate unchanged is a positive sign for the real estate sector. This keeps the EMIs of homebuyers stable and helps developers implement their plans better, thereby supporting residential demand. Chairman of Sikka Group, Harvinder Singh Sikka also called it a decision that will create a balanced environment for real estate after the budget and said that due to home loans remaining cheap, the number of first-time home buyers may increase.
What do market experts say?
According to Mohit Mittal, CEO of MORES, stable interest rates strengthen buyer confidence and help developers plan cash flow and project execution better. Pawan Gupta, founder of FarmlandBazaar, said that the decision to maintain the repo rate at 5.25 percent is a balanced step towards accelerating growth and keeping inflation in check, which brings policy clarity and predictability in borrowing costs in the real estate sector.
Saransh Trehan, Managing Director of Trehan Group, believes that a stable repo rate will help maintain confidence and stability in the housing market. This keeps the home loan EMI predictable, which is especially important for genuine buyers. Similarly, Neeraj K, Executive Director of Ganga Realty. Mishra said that even though the repo rate cut could have further increased affordability, the current stable rates environment is also a relief and positive for the real estate sector, especially for the mid-income and premium housing segments.
Overall, this decision of RBI to keep the repo rate steady strengthens the confidence of homebuyers and creates a conducive environment for stable, balanced and sustainable growth in the real estate market.
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