Rohit Garg, Co-Founder & CEO, Olyv:
“With the upcoming RBI MPC meeting, the focus will be on whether the central bank reverts to its calibrated stance or delivers a modest rate cut. While retail inflation has eased, supported by GST rationalisation and stable commodity prices, global volatility and the pace of domestic growth keep the outlook finely balanced. For NBFCs and fintech lenders alike, the policy outcome directly influences the cost of funds and ultimately the affordability of credit for retail and small business borrowers. A 25 bps cut, if announced, could accelerate credit transmission, lower lending rates, and sustain demand across consumption-driven sectors. On the other hand, a status quo on rates would still provide the policy stability needed to plan future funding, product innovation, and lending strategies.
Equally important will be the RBI’s forward guidance. Its commentary on growth and inflation will not only guide traditional lenders but also shape how fintechs leverage technology to design customer-first products, strengthen risk governance, and drive deeper financial inclusion, particularly at a time when festive and post-festive credit demand is at its peak.”
Pramod Kathuria, Founder & CEO, Easiloan:
“With inflation remaining below 2% and GST reform reducing retail prices, the RBI has an open opportunity to reinforce economic momentum. A 25 basis point rate reduction will be a cautious response that will continue to fuel demand while keeping borrowing affordable for consumers while keeping financial stability intact.”