India’s housing market appears to be waking up again. The latest edition of the national Housing Sentiment Index (HSI) — covering July–September 2025 — shows a rebound to a score of 142, up from 138 in the previous quarter. This signals renewed buyer optimism and a shift from the caution that followed price and interest-rate volatility earlier in the year.
For much of urban India’s middle class, owning a home is quickly becoming an elusive dream. Despite a booming housing market and bullish demand, escalating prices, stagnant incomes and shrinking supply of affordable homes are pushing many would-be buyers toward rentals.
Many personal finance experts regard real estate as a reliable vehicle for efficient tax planning. Moreover, it is also considered a good instrument for wealth creation, albeit if you know how to structure your property investments efficiently. Here’s all you need to know.
Supreme Court has held that a homebuyer, who seeks refund due to delay in completion of a project, cannot claim that a developer also reimburse the amount paid as interest on home loan.
The government’s concentrated efforts on infrastructure development promise to significantly enhance housing demand. The establishment of the India Infrastructure Fund and emphasis on Public-Private partnerships for infrastructure in the budget is also a game-changer for the real estate industry.
As many as 80% of people who aspire to own property prefer to take a home loan for it. As many as 52% home buyers prefer apartments, followed by studio apartments at 19%, and independent houses or villas at 17%. Notably, gated communities and plots of land are less popular, chosen by only 7% and 5% of respondents, respectively.
79 per cent prefer home loans to finance their property purchases. Key reasons include competitive interest rates, flexibility in loan tenure, and a long repayment period of up to 30 years, making repayments manageable. Additionally, home loans offer tax benefits and do not typically incur penalties for early repayment, adding to their popularity.
Investing in property can be a powerful way to achieve financial freedom, especially if you’re struggling with debt. By leveraging real estate, you can create income, build equity, and ultimately work towards eliminating your financial burdens.
Indian housing sector saw growth in sales and launches in FY23-24, but affordable housing segment declined post COVID. What is need is reviving incentives like credit-linked subsidy scheme and 100% Tax Holiday for developers to stimulate demand and supply in affordable housing sector.
The residential sector exhibits substantial growth potential, underscored by sustained demand over the past few years, complemented by consistently stable interest rates and robust GDP expansion. Notably, there is a pronounced demand for mid- and high-priced residential properties.