Mumbai, Maharashtra, 1st of August, 2026 : Quote from Amit Prakash Singh, Co-Founder & CBO at Urban Money
We expect the RBI to maintain the repo rate at 5.25% in the upcoming MPC meeting, as easing inflation and stable macroeconomic conditions support a wait-and-watch approach. A continued pause is unlikely to disrupt housing demand over the next 6–12 months, with end-user demand expected to remain resilient, particularly in the mid-income and premium segments. Homebuyers have largely adjusted to the current interest rate environment, and policy stability provides greater certainty around borrowing costs and purchase decisions.
Going forward, the market will closely watch the RBI’s guidance on inflation, liquidity and the future rate trajectory. Any indication of a calibrated easing cycle, supported by adequate banking system liquidity, would improve the transmission of lower lending rates, strengthen housing affordability and provide an additional boost to mortgage demand and residential sales.
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