Housing sales may take a hit on higher mortgage rates: CREDAI, NAREDCO

RBI reported movement of 25 basis points. Those are the figures as filed — what moves the price is how they sit against what the market already expected, not their absolute size.

Against that, the stock is -0.8% on the day at ₹132.50, and has returned -1.6% over three months. It sits 25% below its 52-week high, which means a good deal of bad news was already in the price. The banks sector has moved -1.7% over the same period, so Bank of India is running 0.1 points ahead of its peers.

This is a Rate / liquidity policy event. Rate direction moves bank margins and the discount rate applied to every long-duration asset. The commentary usually matters more than the decision, which is often already priced. On the day the stock is -0.8%, so a modest reaction.