by Mr. Kishore Lodha, Chief Financial Officer, UGRO Capital.

“The much-awaited rate cut has finally arrived, easing interest rate pressure on the industry as a whole and providing relief to home loan borrowers. However, liquidity has turned negative, which remains a cause for concern. The RBI is closely monitoring the situation and implementing measures to mitigate the risk. Inflation has moderated, and the RBI expects it to average 4.2% next year, creating further room for additional rate cuts. Key factors to watch include geopolitical developments, Rabi and Kharif crop yields, GDP growth, and inflation trends.”

New Delhi February 7th, 2025- India’s leading Holistic Health Guru Dr Mickey Mehta signed a Grow Tall pact with IndoScot Group of Schools with a vision to create Ramas Krishnas, Christs, Arjuns, Mohammeds, Mahadevs, Zarathustras, Lakshmis, Durgas, and Saraswati. The Vishwa gurus of Tomorrow from the students of Today. Grow Tall is a program that focuses on developing Sanskaras, Bhavas, and Gunas for children. Dr Mehta says, “Every child is born with a predetermined genetic disposition, which when altered with conscious intervention, can change the genetic expression of the child too.”

With the science of epigenetics, neuroplasticity, mind-gut axis, and many other sciences and ancient wisdom traditions, we execute this program.” Dr Mickey Mehta and his team have successfully done this for the last 45 years with many high-net-worth and individual schools. However, this is the very first time that it has been integrated into the CAS curriculum. Dr Mehta continues “Everyone is born with a genetic code which determines your growth. But, we humans being the marvel of creation can alter the pre-set patterns with our conscious responsible behavior and alter the predetermined genetic disposition. It is important to not only guide a child how to grow taller just in height but one should also teach them to grow taller with a good positive attitude which results in good thoughts, good words, and good deeds.”

Specifically for children Dr. Mickey Mehta – a global leading holistic health guru and a corporate life coach has created a holistic wellness module titled Dr. Mickey Mehta’s ‘Grow Tall’ is specially designed, researched, and developed with scientific inputs by Dr. Mickey Mehta.

We are all born with predetermined genetic dispositions. Genes hold the gun, and the environment pulls the trigger, but life can still get larger and bigger with your conscious intervention. We can change the program of the source code of the body and we can change the expression of our genes with good means.

Dr. Mickey Mehta says, ‘Make wellness the religion no. 1’. He says ” Wellness is the biggest integrating force.” Grow Tall is aimed at children up to 18 years of age, and will help facilitate children’s height growth with the support of specific exercises, nutritional advice, sensible and effective supplementation, lifestyle changes like – appropriate rest, deep breathing, meditation, and time-to-time positive affirmations. “Sleep and relaxation are just as important as exercise and food. They complement one another and we should ensure we provide our bodies with adequate rest to regenerate, revitalize, and to have an overall healthy disposition,” he says.

Dr . Mehta proclaims, “It is important to not only guide a child how to grow taller just in height but one should also teach them to grow taller with a good positive attitude which results in good thoughts, good words, and good deeds. This program will help children to explore their human potential, which according to Dr. Mehta “can rise above Gods” and blossom into “fragrant flowers” and nurture into “sweet fruits with strong roots” when nourished correctly.

By: Mr Ashok Mittal, Director, FynX Capital

As expected, the RBI has reduced the repo rate by 25 BPS to 6.25%, a neutral yet growth-focused move aligning with expectations. This decision balances inflation control with economic expansion, ensuring greater liquidity in the financial system and making credit more accessible for MSMEs and key industries.

With GDP growth projected at 6.7% for FY26, as anticipated by us, we foresee 2-3 more rate cuts, further strengthening economic momentum. Additionally, the RBI’s flexible inflation targeting is a strategic step toward long-term financial stability.

by Sudhir Pai, CEO, of Magicbricks,

“For the first time in nearly five years, the RBI has cut the repo rate, which lowers borrowing costs for homebuyers and developers, enhancing affordability and stimulating housing demand. It also aligns with government initiatives like the SWAMIH Fund, which aids stalled projects, and ongoing efforts to boost affordable housing. Easier capital access for developers is expected to drive supply growth, fostering a favorable real estate market.”

By Girish Kousgi, MD & CEO, PNB Housing Finance –

“The RBI’s decision to cut the repo rate by 25 basis points the first rate cut since 2020 is a significant move that will provide much-needed relief to home loan borrowers and give a strong boost to the housing sector. Lower interest rates directly enhance affordability, making home loans more accessible for aspiring homeowners and first-time buyers.

This decision aligns with the Finance Ministry’s recent budget announcement, which emphasized the need for fiscal and monetary policy to work in tandem to support economic growth. The rate cut is expected to drive renewed demand in the housing market, boosting overall sentiment and encouraging investments in the real estate sector.

We remain committed to supporting homebuyers with competitive loan offerings and seamless financing solutions, both in-person and digital, ensuring they can achieve their dream of homeownership. This rate cut, combined with the recent income tax relief, will further strengthen consumer confidence and contribute to sustained growth in the housing finance sector.”

Sahil Lakshmanan, Chief Business Officer, CarePal Money

The RBI’s decision to cut the repo rate to 6.25% is a strategic move to stimulate economic growth while inflation remains under control. With the MPC noting that inflation is expected to moderate in FY26, this rate cut signals confidence in price stability, giving room for policy easing. For borrowers, lower EMIs on loans could improve affordability and boost consumption. However, the market response has been measured so far, with the Indian rupee remaining largely unchanged against the U.S. dollar. This suggests that global factors and liquidity conditions will play a crucial role in determining the long-term impact of this decision.

With the policy stance remaining ‘neutral,’ the RBI is maintaining flexibility, indicating that future rate actions will depend on economic data. The key focus now will be on how effectively banks transmit this cut and whether it translates into stronger credit demand and sustained economic momentum.

Ankur Maheshwari, CFO, Freo

The RBI’s decision to reduce the repo rate to 6.25% is a welcome move, especially as it’s the first cut post-pandemic. This decision has far-reaching benefits—lower borrowing costs will encourage more individuals to invest in homes, particularly those who were previously on the fence due to rising construction costs. Additionally, with tax relief measures announced in Budget 2025, people will have more disposable income, making access to credit easier. While borrowing becomes more affordable, attractive fixed deposit rates will continue to ensure that savers have secure and rewarding investment options. As a fintech, we see this as a balanced move that supports both borrowers and savers, fostering overall financial growth.

Samir Jasuja, Founder and CEO of PropEquity

The RBI’s focus on maintaining stable inflation while promoting growth is a welcome move and in line with the efforts of the government. The 25bps cut in repo rate, along with the announcements in the Budget towards boosting consumption, will help increase economic activity and direct investments towards the real estate sector, especially in affordable and mid-income housing. Making borrowing cheaper will not only help homebuyers, both new and old but also provide liquidity to the developers.

According to PropEquity, the supply of homes in the affordable and mid-income category (priced Rs 1 crore and below) across the top 9 cities has dipped by 36% in the last two years and 30% in the last year in 2024 with Hyderabad and NCR witnessing drastic fall in supply in this category.

Mr. Garvit Tiwari, Director & Co-Founder, InfraMantra

The 25bps cut in repo rate will help reduce the EMI of home loan borrowers and make new loans cheaper. This is a welcome move because real estate has come under some pressure in the last few quarters. While the luxury real estate segment may not be impacted much, this move will immensely benefit affordable and mid-income housing. Declining urban consumption is a cause for concern and with this cut, some reversal is likely in the coming quarters.

1. Amit Goyal, Managing Direct, India Sotheby’s International Realty

The RBI’s 0.25% rate cut after five long years—is the much-needed oxygen for the Indian economy, more particularly for the real estate sector.
It lightens EMIs, boosts investments, and signals a pro-growth stance. Coupled with income tax breaks for incomes up to ₹12 lakh in the Union Budget, it widens the path to homeownership for many aspiring buyers.

2. Vimal Nadar, Head of Research at Colliers India

In line with expectations, RBI in its first MPC meeting after the Budget, has decided to reduce the repo rate by 25 basis points to 6.25%, the first rate cut in nearly five years, following a prolonged cycle of rate hikes and stability triggered by global uncertainties. This comes against the backdrop of easing inflation and moderation in growth prospects. The Central Bank, however, maintains confidence in the robustness of the domestic economy and projects the GDP growth rate at 6.7% in FY 2025-26. As housing demand has begun to stabilize after witnessing record sales in the last 2-3 years, this rate cut comes at an opportune time and will have a significant bearing on boosting homebuyer sentiments. The rate cut along with the recent budgetary announcements related to the creation of the Urban Challenge Fund and tax reliefs under the new regime, are likely to stimulate urban growth and enhance domestic consumption. Higher disposable income and lowering of financing costs stand to benefit homebuyers and developers alike. Furthermore, the recent allocation of INR 15,000 Crores for the SWAMIH II fund is likely to expedite the completion of stressed projects, boosting liquidity and spurring home-buying sentiments. Overall, evident tailwinds should boost real estate demand across asset classes in upcoming quarters.

3) Shrinivas Rao, FRICS, CEO of Vestian,

“The RBI’s 25 bps reduction in the repo rate was anticipated, given the slowdown in GDP growth to 5.4% in the second quarter of FY’25, marking the slowest expansion over seven consecutive quarters. This rate cut, the first in nearly five years, aims to bolster market liquidity. It’s likely to buoy the real estate sector with expectations of major banks trimming mortgage rates. However, it is also expected to exert downward pressure on rupee value in international markets, barring foreign investments.”

4) Mr Piyush Bothra, Co-Founder and CFO, Square Yards

“The Reserve Bank of India’s decision to cut the repo rate by 25 basis points to 6.25% is a welcome move for the real estate market. This will lower borrowing costs for home buyers, making home loans more accessible and improving buyer sentiment. Additionally, it could enhance liquidity in the banking system, easing access to financing for developers. Combined with recent tax reforms, stable inflation projections, and sustained economic growth, it will act as a strong tailwind for the residential real estate sector. Needless to say “achche din” for real estate will continue for a long time”

Mr. Aman Sarin, Director & Chief Executive Officer, Anant Raj Limited

We welcome the RBI’s decision to cut policy rates, a crucial step toward stimulating consumption and strengthening purchasing power.

This rate reduction is set to bring down lending rates, making borrowing more accessible and affordable for consumers. In particular, it serves as a strong catalyst for the real estate sector, encouraging fence-sitting homebuyers to move forward with their purchase decisions. Given the RBI Governor’s assurance that all economic factors will be carefully considered to maintain balanced growth and stability, this cut could be helpful in sustaining economic momentum.

Madan Sabnavis, Chief Economist of Bank of Baroda’s comment on Monetory policy

“ The cut in repo rate and the commentary does indicate that the MPC could be looking more at the inflation-growth dynamics instead of only inflation which was the earlier perception, going forward. Therefore, we could expect more rate cuts based on economic data. We do think the GDP forecast made for next year at 6.7% is very much doable. Inflation at 4.2% will be contingent on both a good monsoon and limited impact of imported inflation. There could be an upside here given global uncertainty, and needs to be watched. The RBI has also clearly stated to the market that it is not targeting an exchange rate and will also ensure orderly liquidity in the market.”