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 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 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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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 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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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 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 has held the repo rate at 5.25% for the second consecutive meeting, but the context this time is meaningfully different. This is not a routine pause. The MPC has flagged a supply shock driven by the West Asia conflict, with crude oil surging well above its own planning assumptions. The unanimous decision to hold reflects a deliberate choice to wait and watch before acting in either direction.
Home loan borrowers on repo-linked products are already seeing the benefit of the 125 basis points delivered since early 2025. On a 50 lakh, 20-year loan, that translates to an EMI saving of around 3,050 per month and a lifetime interest saving of 7.34 lakh. On a 75 lakh loan, the monthly saving is approximately 5,800, with total interest savings of 13.94 lakh. A rate hold keeps these gains intact. Borrowers still on MCLR-linked products are not seeing this benefit automatically and should switch to a repo-linked loan without delay. Those paying 50 basis points or more above current market rates should explore refinancing now.
On fixed deposits, select private bank tenures are offering up to 7.4%, with several others in the 7-7.2% range. Senior citizens can add another 25-50 basis points on most products. The rate trajectory from here is genuinely uncertain the MPC has warned that a supply shock could evolve into a demand shock if energy prices stay elevated. Depositors would be well-advised to lock in at current levels rather than assume rates will stay where they are.
Laddering across multiple tenures manages reinvestment risk without sacrificing near-term returns. PPF at 7.1% and SCSS at 8.2% remain compelling sovereign-backed complements to bank FDs.
For equity investors, the picture is more nuanced than in a typical rate pause. Financial markets have turned volatile, and the MPC itself has flagged risks to consumption and investment from higher energy costs and supply chain disruptions. Sectors such as banking, real estate, auto and consumer durables remain structurally well-positioned as the cumulative easing works through the economy but near-term headwinds are real. For SIP investors, maintaining consistent monthly contributions through this period of uncertainty remains the most effective long-term strategy.

Adhil Shetty, CEO, BankBazaar

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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