Economy July 28, 2026 08:49 AM

Brazil mid-July inflation undershoots forecasts as annual rate edges toward target

IPCA-15 posts a modest 0.06% monthly increase; annual inflation eases to 4.52% ahead of central bank meeting

By Leila Farooq
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Brazil's IPCA-15 consumer price gauge rose 0.06% in the month to mid-July, well below economist expectations, bringing the 12-month inflation rate down to 4.52%. The moderation, driven by lower food and beverage prices but offset by higher housing costs from a rise in electricity bills, arrives ahead of the central bank's August policy meeting.

Brazil mid-July inflation undershoots forecasts as annual rate edges toward target
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Key Points

  • IPCA-15 rose 0.06% in the month to mid-July, down from 0.41% in the prior month and below the median economist forecast of 0.20%.
  • The 12-month inflation rate fell to 4.52% from 4.80%, nearer the central bank's target range of 3.0% plus or minus 1.5 percentage points.
  • Housing costs, driven by higher electricity bills, pushed prices up in the period while food and beverage prices declined 0.66%.

SAO PAULO, July 28 - Brazil's halfway-month consumer price index, the IPCA-15 compiled by statistics agency IBGE, recorded a surprisingly small increase of 0.06% in the month to mid-July, official figures showed on Tuesday. The monthly reading marked a marked slowdown from June's 0.41% rise and undershot the median economist projection in a Reuters poll, which had forecast a 0.20% advance.

On an annual basis, inflation measured by the IPCA-15 fell to 4.52% from 4.80% a month earlier. That outcome was also below market expectations, which had centred on a 4.67% reading. The result moves the 12-month rate closer to Brazil's central bank target of 3.0%, plus or minus 1.5 percentage points.

IBGE said the month-to-mid-July increase was driven primarily by rising housing costs, with a notable contribution from a jump in electricity bills. At the same time, the sector of food and beverages exerted downward pressure on prices, with that group declining 0.66% in the period.

The printed figures arrive with the central bank's interest rate-setting committee scheduled to meet on August 4-5. Policymakers cut the policy rate by 25 basis points at their previous meeting - the third consecutive reduction - lowering the Selic rate to 14.25%. Following that move, the committee signalled that further steps remain open while acknowledging a more challenging inflation outlook.

Central bank governor Gabriel Galipolo said last week that worries about unanchored inflation expectations argue for keeping monetary policy restrictive for longer, noting that the labour market and economic activity in Latin America's largest economy remain resilient.

The mid-July IPCA-15 release will be monitored by investors and policymakers as they assess the balance between easing price pressures and persistent upside risks. With the monthly figure coming in well under forecasts and the 12-month rate edging closer to the central bank's tolerated band, the data provide a fresh input for deliberations at the early August meeting.


Data snapshot

  • IPCA-15 month to mid-July: +0.06%
  • IPCA-15 month to mid-June: +0.41%
  • Median economist forecast (poll): +0.20%
  • 12-month IPCA-15: 4.52% (previously 4.80%)
  • Market expected 12-month reading: 4.67%
  • Central bank inflation target: 3.0% +/- 1.5 percentage points
  • Policy rate after last meeting: 14.25% (25 bps cut; third straight reduction)
  • Policy committee next meeting: August 4-5

The immediate implications for markets and the real economy will depend on how the central bank interprets persistent elements such as electricity-driven housing costs and the recent weakness in food prices. For now, the data indicate a moderation in headline inflation, but officials have flagged that inflation expectations and underlying dynamics will play a central role in setting the future path for rates.

Risks

  • Unanchored inflation expectations could prompt the central bank to maintain restrictive monetary policy for longer, affecting interest-rate-sensitive sectors such as housing and consumer credit.
  • A jump in electricity bills indicates volatility in utilities and housing costs, which can increase downside stability of headline inflation and pressure household budgets.
  • Markets face uncertainty ahead of the central bank's August 4-5 meeting as officials weigh weaker headline inflation against resilient labour market and activity indicators.

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