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RBI MPC Meeting Highlights: Markets Cheer Repo Rate Cut, Sensex Closes About 1 Per Cent Higher, Nifty Over 25K
RBI MPC June 2025 Highlights: Follow this space for all the latest news and updates on the RBI MPC meet, chaired by Governor Sanjay Malhotra, which will reveal its final decision on key rates today
Background
RBI MPC June 2025 Highlights: All eyes are on the Reserve Bank of India (RBI) today as Governor Sanjay Malhotra is set to announce the central bank’s first monetary policy...More
Shrinivas Rao, FRICS, CEO, Vestian, said, “As expected, RBI lowered the repo rate amid global growth slowdown to boost domestic consumption. This is the third rate cut since the start of the year, as headline inflation has softened and is below the target range of 4%. Since February 2025, the RBI has cut the repo rate by 100 basis points (currently standing at 5.5 per cent) with no headroom left for further rate cuts. Hence, the central bank has changed its stance from ‘Accommodative’ to ‘Neutral’ to carefully observe the global scenario and act accordingly. Major commercial banks are expected to pass on this benefit to homebuyers and developers by lowering interest rates, stimulating real estate demand and investments.”
Piyush Bothra, Co-Founder and CFO, Square Yards, noted, “The 50-basis point rate cut, though bold but expected, reflects the central bank’s acknowledgement of a shifting macroeconomic landscape. With the full-year FY25 GDP growth projected at only 6.5 per cent, the slowest since the pandemic, there is clear evidence of softening momentum. With inflation at a manageable 3 per cent, the RBI had enough headroom to ease policy without triggering price instability. For the real estate sector, which has already been witnessing mellowed growth, this move is the right dosage which was required to unleash the animal spirits. A 50-bps reduction will translate into meaningful EMI savings, improving affordability for homebuyers. It will also give developers greater confidence to move ahead with new launches, especially in the low-to-mid segments.”
Manju Yagnik, Vice Chairperson of Nahar Group and Senior VP, NAREDCO, Maharashtra, said, "The RBI’s decision to reduce the repo rate by 50 basis points is a strong and timely intervention, especially amid early signs of demand moderation in the residential sector. It also indicates the central bank's confidence in macroeconomic stability and pursuit of growth. Lowering the repo rate to 5.5 per cent will have a cascading effect across the lending ecosystem, bringing home loan interest rates well below 7.75 per cent, a highly encouraging development for both existing and prospective homebuyers."
Saurav Ghosh, Co-Founder of Jiraaf, said, "RBI surprises with a 50-bps rate cut, a 100-bps cut in Cash Reserve Ratio (CRR), and a change in stance to ‘neutral’ from ‘accommodative’. In a significant move, the Reserve Bank of India’s Monetary Policy Committee (MPC), led by Governor Sanjay Malhotra, has slashed the repo rate by 50 basis points to 5.50 per cent, marking its third consecutive rate cut. This is a larger-than-expected reduction, accompanied by a shift in policy stance from ‘accommodative’ to ‘neutral.’"
V. P. Nandakumar, Managing Director & CEO of Manappuram Finance Limited, said, "The RBI’s June 2025 monetary policy is among the most growth-oriented and borrower-centric interventions we’ve seen in recent years. The 50 basis points repo rate cut, combined with a 100 bps CRR reduction, signals the central bank’s clear intent to stimulate credit flow and catalyse economic activity. For NBFCs like ours, this twin move is a timely boost – it lowers our cost of funds and equips us to pass on the benefit to customers, particularly in the MSME and gold loan segments where affordable credit can drive livelihood and enterprise growth."
Aman Sarin, Director & CEO, Anant Raj Limited, noted that the MPC's latest rate cut indicates a clear policy push to support credit growth and economic activity. "For both existing and new borrowers, this cumulative 100 basis point reduction will provide significant relief in terms of reduced interest burden. Additionally, the move is expected to inject more liquidity into the system, further stimulating economic momentum. We believe this will have a positive impact on the real estate sector, particularly the mid-and high-end segments, as interest rates become more affordable, reduced EMI and loan eligibility improves," he argued.
Kalpesh Ramoliya, Chairman and MD, Raj Cooling Systems, said that the rate cut is likely to benefit the consumer durables industry. He explained that lower repo rates lead to affordable EMIs and consumers typically depend on credit to make the purchases for high-end appliances. "At a time when consumers are becoming more value-conscious and cautious with discretionary spending, cheaper credit can significantly boost buying sentiment. Seasonal sales, festive demand, and rural market penetration all see a positive uptick when interest rates are lower. For the industry, this translates into higher volumes, improved inventory movement, and a more optimistic retail environment," he noted.
Ankit Shah, COO and CMO, Grahm Realty, explained that the reduction in the key rates will be helpful for the domestic housing sector. "After years of economic volatility triggered by the pandemic, the economy has now entered a more stable phase, allowing the RBI to take a softer stance. This rate cut directly impacts the real estate industry, particularly in the home loan segment, which constitutes a significant share of lending portfolios for banks. With this move, home loan interest rates are expected to come down significantly. Where rates previously started at around 8.25 per cent, they could now begin at approximately 7.5 per cent, especially for borrowers with strong credit scores. This shift means a notable decrease in monthly EMIs. For instance, on a home loan of Rs 1 crore, EMIs may now fall in the range of Rs 68,000 - Rs 70,000, making homeownership far more accessible. For aspiring homebuyers, especially first-time buyers, this is a golden window to act. Lower EMIs translate into improved affordability and long-term savings, enabling many to finally turn their dream of owning a home into reality," he noted.
Devarsh Vakil, Head of Prime Research at HDFC Securities, welcomed the RBI's rate cut decision and noted that the 'surprise' CRR cut it will provide great relief to the markets. The executive said, "External headwinds, including U.S. tariff policies, global trade tensions, sluggish worldwide growth, and geopolitical risks, continue to pressure domestic growth prospects. This growth-inflation dynamic created strong justification for monetary easing. This will provide a much needed push for the Indian markets to move out of the current trading range beyond nifty 25000 level and head towards previous highs towards 26200."
The RBI MPC's decison to slash repo rate by 50 basis points helped boost sentiment in the market as indices rallied ahead in the session after opening on a muted note. The momentum was maintained throughout the day and ended with both Sensex and Nifty settling about 1 per cent higher. The BSE Sensex ended the session at 82,189, after climbing close to 750 points, while the NSE Nifty50 finished trading above 25k, rallying over 250 points.
Salee S Nair, MD & CEO, Tamilnad Mercantile Bank noted, "The RBI's recent policy action to lower the repo rate by 50 basis points to 5.5 per cent is a strategic and growth-focused step. The early rate cut, along with an inflation forecast under 4 per cent, demonstrates trust in India's macroeconomic foundations and aligns with the requirement to boost demand in crucial sectors. RBI has effectively supported banking system by extending support with a decision to reduce the Cash Reserve Ratio by 100 throughout the year, this will help banks in strengthening the liquidity within the system, continuing to able our customers with financial support. The reduced interest rate atmosphere offers essential relief to borrowers and will aid in capital expenditures and working capital requirements."
Jayesh Kumar Verma, Director, Annapurna Jewellers Pvt Ltd, Varanasi, says, "The RBI’s move to cut the repo rate by 50bps is a welcome development for the jewellery industry. Lower interest rates can ease financing costs for both consumers and retailers, stimulating demand, especially in upcoming festive and wedding seasons. In wholesale trade, better liquidity flow means quicker order cycles and improved inventory turnover for retailers. Moreover, small and medium jewellers who rely on credit to manage bulk purchases will benefit from cheaper working capital. This rate cut could act as a much-needed catalyst to reinvigorate consumer buying and support business expansion across the value chain."
Kunal Varma, Co-Founder and CEO, Freo, said, "A rate cut is always a mixed bag, depending on which side of the table you’re on. For borrowers, especially those with home, car, or personal loans on floating rates, it’s welcome news, your EMIs might come down a little, which always helps. It can also encourage more people to take loans, whether it’s to buy a home or fund personal needs."
"But for savers, especially those who rely on fixed deposits, it may mean slightly lower returns going forward. So, if you're planning to lock in a good FD rate, this might be the right time. All in all, it’s a signal that the RBI is trying to support growth while still being mindful of inflation and financial stability," Varma added.
Atul Monga, CEO & Co-Founder, BASIC Home Loan, said, "The RBI’s bold decision to cut the repo rate by 50 bps to 5.5 per cent is a welcome move that signals a strong intent to boost liquidity and support growth. Additionally, the 100 bps cut in the Cash Reserve Ratio to 3 per cent aims to infuse higher liquidity into the banking industry. These measures are intended to stimulate economic growth amid subdued inflation and global uncertainties. While the lower borrowing costs will benefit both consumers and businesses, the CRR cut provides banks with more room to lend. The shift from an accommodative stance to neutral signals a cautious approach going forward."
"The markets have responded positively to the latest rate cut, with rate-sensitive sectors like real estate, banking, and financial services leading the gains. This reflects investor optimism regarding the likelihood of increased economic activity," Monga added.
Edul Patel, Co-founder and CEO of Mudrex, noted, "The RBI’s repo rate cut brings much-needed relief for home loan borrowers, as banks are likely to pass on the benefits through lower EMIs, especially helpful amid rising living costs. For new borrowers, this presents an opportune moment to secure loans at reduced interest rates. On the flip side, fixed deposit investors may see lower returns. In this shifting rate environment, prudent fund allocation becomes crucial. Investors should also focus on diversifying their portfolios to manage the dual challenges of falling interest rates and persistent inflation."
Amit Somani, Deputy Head-Fixed Income, Tata Asset Management, remarked, "RBI front loaded policy easing by delivering a Jumbo 50bps of Repo Rate cut and reducing CRR by 100bps, while getting the stance back to Neutral. CPI Inflation for FY26 has been revised lower to 3.7 per cent from 4.0 per cent earlier. GDP Forecast for FY26 has been retained at 6.5 per cent. RBI seems to have taken a full Reset approach on Monetary Policy rather than moving-in-a-direction approach. CRR cut would be made effective in four tranches starting from 6th Sep 2025."
Dharmakirti Joshi, Chief Economist, Crisil, said, "While a 25-basis point (bps) cut in the repo rate was a foregone conclusion, members of the Monetary Policy Committee (MPC) of the Reserve Bank of India (RBI) voted for a bigger slash of 50 bps and then chopped the cash reserve ratio by 100 bps, which should quicken the transmission of rate cuts. Since the MPC’s last policy review in April, retail inflation has stayed lower than expected, while risks to growth continue because of global uncertainties."
"This growth-inflation predicament afforded the MPC the opportunity to stimulate growth. The change in the MPC’s stance to neutral underscores frontloading of the rate cuts and a data-driven approach after that, as evident from the MPC statement mentioning limited monetary space hereon. The MPC also kept its growth forecast unchanged at 6.5 per cent but cut the inflation forecast to 3.7 per cent from 4.0 per cent," Joshi added.
Tribhuwan Adhikari, MD & CEO of LIC Housing Finance, opined, "The 50-bps rate cut is a bold move by the RBI. A total of 100 bps rate cuts in quick succession since February 2025 signals a strong push towards accelerating economic momentum while keeping inflation well within manageable levels. These progressive steps along with the inflation easing and the growth forecast remaining steady at 6.5 per cent, the rate cut is expected to significantly lower borrowing costs, thereby improving affordability for homebuyers across segments. The monetary policy is becoming more balanced and forward-looking."
Raghvendra Nath, MD, Ladderup Asset Managers, said, "With prices continuing to ease, RBI has cut the repo rate by 50 basis points in a move aimed at supporting the current macroeconomic momentum. This is twice the reduction that most economists had anticipated. While India’s real GDP growth forecast for FY26 remained at 6.5 per cent, primarily due to geopolitical uncertainties affecting trade, inflation is expected to ease further to 3.7 per cent, supported by early start of kharif season. Additionally, the RBI’s decision to gradually reduce the CRR in four equal tranches of 25 basis points over this year is likely to enhance liquidity in the system and lower the cost of funds for banks leading to lowering cost for borrowers and thus support private investment and domestic consumption."
Harsh Jagwani, Managing Director at Notandas Realty, said, "The latest repo rate cut by 50 basis points is a welcome move that will provide a strong tailwind for the real estate sector. With home loan rates expected to soften further, this decision comes as a needed breather for aspiring homebuyers and long-term investors. Affordable borrowing is likely to drive demand across residential segments, improving overall market sentiment."
Ajay Kumar Srivastava, MD & CEO, Indian Overseas Bank, said, "The RBI’s decision to reduce repo rate by 50 basis points to 5.50 per cnet and CRR by 100 basis points in four tranches indicates a strong and timely policy shift that aligns with balancing growth with price stability. Besides this, the revision in CPI inflation to 3.7 per cent for FY26 also shows RBI’s confidence in inflation being aligned with its 4 per cent target."
"The decision in CRR cut which is expected to release INR 2.5 lakh crore in primary liquidity, will ease credit conditions in the banking system. This overall policy reflects a well calibrated and thoughtful approach with the GDP projected at 6.5 per cent in FY26 and a steady quarterly trend," he added.
VK Vijayakumar, Chief Investment Strategist, Geojit Investments Limited, notes, "The higher-than-expected 50bp rate cut decision by the MPC, though positive for growth is slightly negative from the market perspective for the near-term. This big rate cut is, as the RBI Governor remarked, front-loading of the rate cut. The change in monetary stance from accommodative to neutral also indicates that more rate cuts are unlikely unless the situation warrants. This big rate cut will impact the margins of the banks and, therefore, bank stocks will be under pressure in the near-term. However, the credit growth that this rate cut will hopefully stimulate will compensate for the dip in margins."
The Sensex rose 760.84 points or 0.93 per cent to reach 82,202.88. Similarly, the Nifty gained 254.75 points, advancing 1.03 per cent to reach 25,005.65 as the RBI announces a 50 bps rate cut.
Binod Kumar, MD & CEO of Indian Bank, said, "The RBI’s decision to cut the repo rate by 50 basis points to 5.50 per cent while changing its stance to neutral will boost credit demand in sectors like Retail, Agriculture and MSME. It will also encourage private capex. CRR cut will provide liquidity at the hands of banks. RBI is taking very proactive steps keeping in view looming headwinds on credit growth. Lower rates will spur the retail demand especially for affordable housing."
Ankur Jalan, CEO, Golden Growth Fund (GGF), a category II Real Estate focused Alternative Investment Fund (AIF), expressed optimism about the MPC's rate cut decision. He added that in light of global uncertainties and falling inflation, the move will boost consumption demand and economic growth. "However, with expectations of further cuts in repo rate in FY26, the consequent decline in fixed deposit rates, currently under 7.5 per cent, will disincentivise savers and HNI/UHNI investors, prompting them to look for potentially high return asset class like Alternative Investment Funds (AIFs) which not just has regulatory oversight but also offers risk diversification and high returns," he pointd out.
Vimal Nadar, National Director & Head, Research, Colliers India, noted, "The third consecutive reduction in benchmark lending rate coupled with shifting to neutral stance reaffirms the growth-supportive monetary policy aided by softening of inflation levels. For the real estate sector, this move is a strong tailwind: it lowers borrowing costs for buyers & developers, boosts homebuyer confidence, and enhances affordability, especially in the affordable and mid-income housing segments. This could lead to improved buyer sentiment, an increase in residential property enquiries and conversions, and a pickup in sales volumes across key urban markets. Over the medium term, the reduction in the cost of capital is also expected to enhance investor confidence, potentially boosting activity in both residential and commercial real estate segments."
Umeshkumar Mehta, CIO, SAMCO Mutual Fund, called the rate cut a 'pleasant' move. He pointed out that this decision 'demonstrates a pro-growth stance and a front-loading of rate cuts given our stable economic growth and declining inflation. A change in policy stance from accommodative to neutral is also justified as it can help to strike a right balance between growth and inflation, especially if geopolitical issues escalate further'. Mehta added that the MPC's announcements will help provide a boost to consumption, domestic growth, and liquidity in the economy.
Mohit Agarwal, Business Head, Conscient Infrastructure Pvt. Ltd said, “The RBI’s decision to cut the repo rate by 50 bps to 5.5 per cent is a welcome move for the premium real estate segment. This reduction is expected to provide a much-needed boost to housing demand by making home loans more affordable. Lower borrowing costs will enhance affordability for luxury homebuyers and investors, boosting demand in high-end residential markets. This rate cut, coupled with the MPC’s neutral stance, signals stability, encouraging HNIs and NRIs to make strategic investments. We as a Developer may also benefit from reduced financing costs, enabling faster project execution. We anticipate renewed momentum in the luxury housing sector, especially in metro cities, as lower EMIs and attractive financing options drive buyer confidence.”
Adhil Shetty, CEO, BankBazaar.com welcomed the MPC's decision to slash key rates by 50 basis points. Shetty noted that this move will help push home loan rates closer to the 'psychologically important sub-8 per cent' level. He added that this move will help make the loan process extremely smooth for borrowers with repo-linked home loans, however, he cautioned, ":oans taken pre-2019, especially with public sector banks, continue to be linked to older benchmarks like the MCLR or even the Base Rate. These borrowers will not benefit automatically from today’s cut."
Sharing the outlook for growth, the RBI MPC noted, "The uncertainty around the global economic outlook has ebbed somewhat since the MPC met in April in the wake of temporary tariff reprieve and optimism around trade negotiations. However, it continues to remain elevated to weaken sentiments and lower global growth prospects. Accordingly, global growth and trade projections have been revised downwards by multilateral agencies. Market volatility has eased in the recent period with equity markets staging a recovery, dollar index and crude oil softening though gold prices remain high."
The RBI MPC decided to slash key rates by 50 basis points in its June 2025 meeting. This also meant that the standing deposit facility (SDF) rate now stands t 5.25 per cent, while the marginal standing facility (MSF) rate and bank rate was lowered to 5.75 per cent.
The RBI MPC also opted to slash the Cash Reserve Ratio (CRR) by 100 basis points from 4 per cent to 3 per cent. However, Governor Malhotra clarified that the reduction will be implemented in four tranches between September-November 2025. This move will help boost liquidity for banking sector, he noted.
RBI Governor Sanjay Malhotra explained, "After having reduced the policy repo rate by 100 basis points in quick successions since February 2025, the Monetary Policy Committee also felt that under the present circumstances, Monetary Policy is now left with very limited space to support growth, hence, the MPC also decided to change the stance from accommodative to neutral." He added that the panel will carefully evaluate the upcoming data and decide the course ahead for the monetary policy to balance inflation and growth.
The RBI’s MPC also opted to lower its projection for CPI inflation for FY26 from 4 per cent to 3.7 per cent. Sharing inflation estimates for the 2025-26 financial year, the Governor said it is likely to remain at 2.9 per cent in Q1, 3.4 per cent in Q2, 3.9 per cent in Q3, and 4.4 per cent in Q4.
Sharing the GDP estimates for the current 2025-26 fiscal year, the governor said that the economy is projected to grow at 6.5 per cent in FY26. The growth figures for Q1, Q2, Q3, and Q4 are likely to remain at 6.5 per cent, 6.7 per cent, 6.6 per cent, and 6.3 per cent respectively. He added that the risks are evenly balanced going forward.
The panel decided to change the monetary policy stance from accommodative to neutral in the June meeting.
The RBI’s MPC decided to slash repo rates by 50 basis points in its June 2025 meeting. After a rate cut in its earlier April meeting, this brought the repo rate down to 5.5 per cent.
Sher Singh Rathore, Founder of Bric-X Infra, shared his expectations of a 50-basis point rate cut in the repo rate in the June MPC meeting. The executive argued that this could prove to be a game changer for the industrial real estate market in India. "Lower cost of finance will enable firms to accelerate expansion plans more quickly, aiding India's Make-in-India aspirations as well as export competitiveness. Furthermore, falling deposit and savings rates also signal the market is ready to reinvest, such as into asset-intensive sectors, such as industrial real estate. The policy action is also supported by macro indicators of stable inflation, strong GDP expansion, and falling crude prices, providing an encouraging environment for developers and institutional investors. While operational effectiveness and cost rationalisation are the buzzwords today, an accommodative monetary policy by the RBI could unlock India's industrial property sector's next growth phase," he pointed out.
The Reserve Bank of India's Monetary Policy Committee (MPC) is set to reveal its decision on key rates today. The committee, chaired by Governor Sanjay Malhotra, will announce its call on repo rate and the monetary policy stance going ahead at 10 AM. You can watch the announcement LIVE at the
YouTube channel of the RBI.
Further, you can keep a track of the latest updates and analysis about the MPC's decision and what it means for the common man here at ABP Live.
Kapil Bardeja, Co-Founder & CEO, Vehant Technologies noted that a reduction in the repo rate could help provide a boost to the manufacturing sector in India. "A reduction in the repo rate lowers the cost of borrowing, which directly improves liquidity for businesses. For manufacturers, this will provide greater freedom to invest in modernising facilities, expanding production lines, and strengthening supply chain resilience," he explained.
Further, he pointed out that a continuation of monetary relaxation could provide big support to MSMEs in securing credit and help ease access of finance for public and private players.
Tanuj Gupta, Director Sales & Marketing, Thermocool Home Appliances Ltd, called for a 50-basis point reduction in key rates in the June MPC meeting. The executive argued that this would help provide 'much-needed stimulus' to industries that are sensitive to interest. "With borrowing rates likely to fall, we look for a positive domino effect on consumer expenditure on discretionary and big-ticket items. Lowering borrowing rates, combined with better liquidity and declining deposit rates, provides a backdrop conducive to increased credit absorption. From the corporate perspective, too, this creates conditions for business expansion and strategic capex. If implemented, the rate cut would be a pivotal step to revive consumption, stabilise input costs, and propel both demand and supply chain recovery," Gupta pointed out.
The Indian markets experience major volatility in the pre-open market hours. Before climbing slightly higher, the BSE Sensex dropped close to 6 points and near 81,436 around 9:07 AM, while the Nifty inched 2 points lower and stood below the 24,750 mark.
Shrinivas Rao, FRICS, CEO, Vestian noted that the RBI MPC is expected to cut down the repo rate by 25 basis points in the June meeting. The executive stated that inflation remained below the target range of 4 per cent. Along with global tariff uncertainties, this could push the panel to maintain an 'accommodative' monetary policy stance, he added.
"This rate cut is expected to bring relief to both homebuyers and developers, as most commercial banks are likely to follow suit and reduce interest rates. While homebuyers will be able to secure home loans at lower rates, developers will benefit from low borrowing costs, potentially boosting affordability and investments in the real estate sector," Rao said.
Vimal Nadar, National Director and Head of Research, Colliers India shared his expectations from the Monetary Policy Committee and said the panel is likely to continue with its accommodative policy stance. "While inflation being in control provides the elbowroom for continuation of an accommodative policy; impact of external trade volatilities and atypical monsoon patterns are likely to have a bearing on future growth prospects. A third consecutive reduction in benchmark lending rates can spur homebuyers’ sentiment and resultantly improve housing demand particularly in affordable and middle-income segments. For developers too, the rate cut could aid in gradual inventory clearance and offer financial relief by lowering of borrowing costs," Nadar pointed out.
Govind Sankaranarayanan, Co-founder and Chief Operating Officer, Ecofy expressed optimism that RBI's liquidity policies, along with a continuation of accommodative stance could help provide a boost for affordable capital for green assets. "With the RBI’s recent annual report reinforcing a growth-supportive monetary stance and signaling confidence in moderating inflation, we remain optimistic about further policy easing in the upcoming MPC meeting. For climate-focused NBFCs like Ecofy, continued accommodative policy, coupled with RBI’s commitment to ensure adequate liquidity for productive sectors, can significantly enhance access to affordable capital for green assets," the executive stated.
Ashok Kapur, Chairman, Krishna Group and Krisumi Corporation believes a rate cut from the RBI MPC could have a multiplier effect on several sectors. The executive explained that a reduction in repo rate will give a boost to housing sector, and drive momentum in other sectors such as steel, cement, and construction equipment as well. "A boost to real estate demand will also have a multiplier effect on allied sectors like cement, steel, and construction equipment, further driving economic momentum. The year looks promising for overall housing demand, and it will present an opportunity for all stakeholders to collaborate and innovate to meet the rising demand efficiently," Kapur noted.
With the RBI's MPC set to announce its final decision for interest rates today, the real estate sector remains hopeful of another rate cut providing relief for homebuyers. "If the rate cut materialises, it would mark the third consecutive reduction and provide a significant boost to the overall economy, particularly the housing sector. Given that several scheduled commercial banks have been reducing their lending rates following the previous two RBI MPC outcomes, another rate cut at this juncture would act as a catalyst for increased housing demand across segments. As a result, both first-time homebuyers and investors are likely to be encouraged to enter the real estate market, further strengthening demand across the sector," explained Pradeep Aggarwal, Founder & Chairman, Signature Global (India) Ltd.