Home loans in major Indian cities saw a 10% volume increase. Their value grew 15% in fiscal year 2025. This rise stems from strong housing demand. It also comes from increasing property prices. Fintech firm Urban Money analyzed this data. Loans over 1 crore rupees made up 21% of total loans.
Mumbai and Gurugram lead the premium housing market. Average home loans there hit 99 lakh and 88 lakh rupees. One in five loans now exceeds 1 crore rupees. This shows deeper borrowing and wider access to home loans.
The average home loan in top cities is 74 lakh rupees. Loans of 1 crore rupees or more now represent 21% of the market. This is up from earlier periods. Loans under 45 lakh rupees make up 47% of all loans. This indicates demand in both cheaper and pricier markets.
One in five home loans go to women. Mahesh Misra, CEO of IMGC, suggests banks can help more with affordable housing. Women are increasingly active in home finance. In FY25, loan values to women grew 23%. Their average loan size reached 70 lakh rupees. This was a 13% rise, surpassing men. Women received 20% of all home loans.
This trend points to growing financial independence. It also shows more women owning assets in cities. Urban Money’s Amit Prakash Singh notes this shift. It signals more empowered homeownership for everyone.
Mumbai and Gurugram have the highest average loan amounts. Premium housing fuels the need for larger loans. Housing prices have climbed 55-60% since FY 2019. This impacts loan sizes. People desire better homes and larger apartments.
Home registrations in key Indian cities have risen steadily. Urban Money’s data shows a rise from 3.07 lakh units in FY 2019 to 5.44 lakh units in FY 2025. This is a 77% increase over six years. Home finance supports this property market growth. Urban Money’s report highlights these trends. Home loan volume and value in major cities increased 10% and 15% respectively. This report covers cities like Bengaluru, Gurugram, Mumbai, and Pune.
Urban Money’s 2025 report shows key changes. Property-related loans, including home loans, made up 63% of total loans. Home loans grew 10% year-on-year in top cities. This includes a 10% rise for men and a 9% rise for women. The total value of home loans rose 15%. This reflects a move towards premium housing.