Calling the move “timely and impactful,” Gera said the lower interest rate environment would directly ease the financial burden on prospective homebuyers.

“Lower repo rates translate into lower borrowing costs, and that directly benefits homebuyers. This cut will improve EMI affordability and pull some fence-sitters back into the market,” Rohit Gera noted.

The rate cut comes at a time when housing demand across key metros has remained robust, even as overall affordability has been under pressure due to rising property prices. With EMIs set to fall as banks pass on the benefit of cheaper credit, the industry expects a fresh wave of enquiries and conversions in the upcoming quarters.

Gera added that the move would not only support buyers but also bring relief to developers, many of whom have been navigating tight liquidity conditions amid elevated construction costs.

“For developers, it supports both sales velocity and liquidity,” Rohit Gera said, highlighting that improved access to funding could help accelerate project execution timelines and overall industry stability.

“The timing is helpful because demand is strong, but affordability remains stretched in several metros,” Gera further emphasized.

The real estate sector, which has witnessed record sales over the past two years, is likely to view the rate cut as a catalyst for sustaining growth, especially in the mid-income and premium housing segments.

Economists expect banks and housing finance companies to announce revised lending rates in the coming weeks, paving the way for reduced EMIs and improved affordability for millions of potential homebuyers.

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