Following today’s RBI Monetary Policy announcement, below are expert reaction quotes below on behalf of the real estate, personal finance and e-commerce sectors

Real Estate

Keshav Mangla - GM Business Development, Forteasia Realty

As the Reserve Bank of India has opted to keep the repo rate steady at 5.5%, home loan customers can expect to keep their monthly EMIs stable for the present. The unchanged rates are reassuring since there wouldn’t be any direct pressure on borrowing costs. At the same time, consumers would benefit from the GST rate reductions across a wide range of services and goods—from construction materials to allied housing services—adding another potential benefit for homebuyers. Customers will now have the benefit of having financing costs locked down, plus any reduction in GST would benefit homebuyers who may now see a reduction in related costs associated with the purchase or construction of a new home. Ultimately, this combination of factors will help reduce barriers to housing and demonstrate that moving from inaction to action is a lot easier.

Anurag Goel - Director at Goel Ganga Developments

The RBI decided to keep repo rates at 5.5 percent, taking a careful look at inflation and what the recent budget changes might do. This decision is good news for people paying off home loans. They'll keep paying the lower rates from earlier this year. Plus, with GST cuts making building supplies, upkeep, and property-related items cheaper, housing is becoming more affordable overall. Buyers and developers are in a good spot because of these rule changes. It's now simpler for people looking for a home to handle the money side of things. Developers can also more easily pass on lower costs. These steps together might really help more people buy homes in the next few months.

Jetaish Gupta -  Founder and Director, Adore Group

The RBI decided to keep the repo rate at 5.5 percent. This move points to a policy of neutral stability. It gives both home loan borrowers and people looking to buy a home some much needed clarity and peace of mind. We won't see EMIs drop right away. But, there's also no worry about loan interest rates going up, which can really impact family budgets. When you add in the GST rate cuts on things important for buying a home, housing is likely to become more affordable overall. Lower GST on construction and related services means developers and buyers will both notice costs dropping. This makes new projects more practical and homes more appealing. Because of all this, people's confidence in the real estate market will probably grow. 

E-commerce

Raghunandan Saraf - Founder & CEO, Saraf Furniture

Since the RBI is keeping the repo rate at 5.5 percent, it looks like the retail and ecommerce sectors will do well. Consumer spending should stay steady, and borrowing costs will be predictable. Businesses can get working capital at these stable rates. This can help them build up inventory and improve their logistics. One thing that helps too is the recent GST rate cuts on many services and goods. Retail businesses will see their input costs go down. This means they could have better profit margins, or maybe even lower prices for shoppers. Ecommerce companies, especially those that depend on supply chains, will probably benefit from both the predictable borrowing costs and the GST changes. This kind of regulatory move suggests a focus on growth. It should encourage new ideas and competitive pricing in the market. 

Personal Finance

Siddharth Maurya - Founder & Managing Director, Vibhavangal Anukulakara 

The RBI’s choice to keep the repo rate at 5.5 percent also brings some stability to how individuals and families manage their finances. Since loan interest rates aren't changing, people won't suddenly see their monthly payments for home, car, or personal loans go up. The recent GST rate cuts add to this stability. They're making everyday services, insurance, and certain financial products a bit cheaper. For people saving money, the current interest rate situation means their fixed deposit returns will stay consistent. Investors might find chances to grow their money as available funds support economic growth and how assets perform. All these things together create a good situation for careful budgeting, saving for goals, and borrowing responsibly. It helps consumers plan things out with more confidence because the financial world feels less unpredictable.