macro

Why Macroeconomic Reforms Might Put a Home Within Your Reach Sooner

macro

Why Macroeconomic Reforms Might Put a Home Within Your Reach Sooner

By Arpit Jain, Director, Arkade Developers Limited

India’s economic outlook in 2025 is as much about resilience as it is about growth. The International Monetary Fund (IMF) projects GDP expansion of 6.4% for both 2025 and 2026, reaffirming India’s position as the fastest-growing major economy in the world. But beyond the headline figure lies a story of decisive government actions—monetary and infrastructural—that are reshaping the way people spend, invest, and aspire. For potential homeowners, these reforms are beginning to close the gap between aspiration and reality.

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Rate Cuts That Lighten the EMI Burden

With inflation easing to just 3.16% in April 2025, the Reserve Bank of India found the space to act decisively, cutting the repo rate by a cumulative 100 basis points to 5.5% by June. For ordinary households, this is more than a technical shift—it is a tangible easing of the financial load. A 50-basis point cut saves around ₹1,200 per month on a ₹40 lakh loan, according to PNB Housing Finance. Over a 20-year tenure, those savings add up to a meaningful difference.

Beyond the arithmetic, cheaper borrowing builds confidence. It encourages families to move ahead with decisions they might otherwise postpone. The results are already visible: Knight Frank data shows that Mumbai registered record property transactions in the first five months of 2025, despite headwinds from macroeconomic uncertainty, elections, and the monsoon months. Monetary policy is clearly working its way into household decisions.

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Infrastructure That Expands Possibility

If cheaper credit strengthens purchasing power, infrastructure is expanding the geography of opportunity—especially in the central suburbs of the Mumbai Metropolitan Region (MMR). The western suburbs are poised for a major overhaul. The Bandra-Versova Coastal Road, with its planned extension to Dahisar, is set to not only slash travel times but also significantly boost property values along the western corridor. Simultaneously, crucial east-west connectivity is being addressed by game-changing projects like the Goregaon-Mulund Link Road (GMLR) and the Thane-Borivali twin tunnel, which will drastically reduce the commute between the city’s two main arteries. These projects are unlocking new residential and commercial value across these micro-markets, a trend mirrored in other high-growth zones. Thane, for instance, continues to outperform the core city, recording a remarkable 46% price rise in just three years, fueled by its own metro expansion and a growing demand for larger homes. These developments aren’t just infrastructure upgrades; they are catalysts that open up new lifestyle corridors, create affordability options, and offer homebuyers genuine alternatives to the city’s saturated core.

Confidence That Defies Affordability Concerns

Affordability in Mumbai has long been a paradox. A Economic Times study suggested that even the top 5% of earners would take over a century to save for an average-sized home in the city. Yet consumer behavior tells a different story. According to an ANAROCK survey conducted in 2025, only 39% of Mumbai homebuyers cited affordability as their main concern, compared to a national average of 81%. This gap highlights the unique psychology of the city’s buyers—conditioned to high prices, but sustained by faith in long-term value creation driven by limited land, steady demand, and continuous infrastructure upgrades.

A Virtuous Cycle for Homebuyers

The combination of monetary easing, transformative infrastructure, and resilient buyer confidence has created a virtuous cycle. Lower EMIs put more money back into household budgets, mega projects unlock new neighborhoods, and consumer faith ensures demand stays strong even when prices rise. Together, these dynamics are making homeownership not only more accessible but also more rewarding.

Homeownership in 2025: Closer Than Before

For families visiting experience centers today, the conversation has shifted. It is no longer just about whether they can afford a home—it is about which home best fits their aspirations. That change in mindset is perhaps the clearest evidence that government reforms are working where they matter most: in the lives of people. India’s macroeconomic story in 2025 is not just about GDP growth or fiscal balances. It is about creating the conditions for aspiration to turn into ownership. And for many households, that milestone is now within reach sooner than expected.
arkade nest

The Art of the In-Between: Arkade Nest’s Vision for Architecture that Breathes

arkade nest

The Art of the In-Between: Arkade Nest’s Vision for Architecture that Breathes

By Conceived by Architect Bhushan Gharat and his visionary team at Kalakruti Architects & Planners. Arkade Nest offers thoughtfully designed 2 and 3 BHK homes.

In the ever-expanding metropolis of Mumbai, where the sky is a tapestry of rising towers, a new architectural narrative is taking root. Arkade Nest, rising in the heart of Mulund West, is more than a residential project; it is a profound statement on the future of urban dwelling. Conceived by Architect Bhushan Gharat and his visionary team at Kalakruti Architects & Planners, this two-acre development transcends the conventional in favour of a design philosophy that elegantly choreographs a dialogue between nature, community, and the individual. It is a built environment designed not just for living, but for thriving.

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Architecture as a Living Landscape

The journey into Arkade Nest begins not with a door, but with an experience. A magnificent canopy unfolds, greeting residents and visitors alike, acting as an elegant transition from the bustling city into the serene enclave within. This is the first hint of the project’s core principle: that the most meaningful moments of life are often lived in the spaces between. This philosophy finds its most dramatic expression in the building’s sculpted form. What began as a practical solution for parking has blossomed into an extraordinary feat of vertical landscaping. The structure is terraced with multi-level podiums that recede and emerge, creating a dynamic, living façade. These are not mere podiums, but deep, verdant pockets of earth, capable of supporting everything from lush shrubs to mature, 20-foot trees. This ambitious integration of nature does more than beautify; it actively creates a unique microclimate, a pocket of cool air that offers a tangible respite from the city’s heat, measurably lowering the ambient temperature. It is a bold, sustainable gesture where the architecture itself breathes.
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The Social Canvas: Choreographing Connection

While the vertical gardens draw the eye upward, the heart of Arkade Nest beats within its communal spaces. The design team has masterfully crafted a series of environments that encourage spontaneous interaction and foster a deep sense of community. The central podium is an oasis, a vibrant hub of activity where residents connect. Here, a stunning swimming pool reflects the sky, its cool presence central to the project’s climate-conscious design. Nearby, a beautifully sculpted amphitheatre rests within a courtyard, awaiting performances or quiet conversations. The gymnasium, rather than being a confined space, opens into this central cutout, allowing for workouts infused with natural light and fresh air. Every amenity is thoughtfully placed to create a seamless flow, encouraging residents to move through a landscape of shared experiences—from the badminton and multipurpose courts to tranquil lawns perfect for multigenerational play.
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The Inner Sanctum: A Study in Serenity and Space

This intelligence of design extends deep into the private residences. The apartments at Arkade Nest are a masterclass in spatial efficiency, what the designers call “zero-wastage plans.” Every square foot is deliberate, every proportion meticulously considered to maximize function and create an atmosphere of uncluttered calm. The true luxury here is the profound connection to the outdoors. Expansive walls of glass, including floor-to-ceiling windows, dissolve the boundary between the interior and the exterior. The lush greenery of the podiums becomes a living artwork, a constant, calming presence. These are not just windows, but transitional frames that invite the landscape in, ensuring that each home feels like a private sanctuary suspended in a garden. Built with advanced Mivan construction technology and adhering to the principles of Vastu and solar orientation, Arkade Nest is a testament to longevity and thoughtful planning. It is a rare project that delivers on a holistic vision—one where sustainability is a lived reality, community is an organic outcome of intelligent design, and the home is a tranquil haven. It is, quite simply, the city’s new sanctuary.