A report indicates that both the volume and value of home loans are experiencing double-digit growth in FY25.

Home loan disbursals in key Indian cities experienced a 10% increase in volume and a 15% rise in value in FY25, as reported by the fintech platform Urban Money, which is part of Square Yards. Loans that exceeded Rs. 1 crore (approximately US$ 116,822) accounted for 21% of all home loan disbursals, highlighting a growing interest in premium housing. Property-related loans, such as home loans and loans against property, represented the largest portion, making up 63% of total loan disbursals. The increase in home loan activities corresponds with a 77% growth in residential property registrations since FY19, which jumped from 3.07 lakh units to 5.44 lakh in FY25. The report pointed out a notable change in buyer demographics, revealing that one in five home loans was granted to women. Disbursals rose by 10% for men and 9% for women, while the total value of disbursals increased by 14% for men and 23% for women. In major cities such as Mumbai, Pune, Bengaluru, Hyderabad, Gurugram, Noida, Greater Noida, Thane, and Navi Mumbai, the average home loan value reached Rs. 74 lakh (around US$ 86,415) in FY25, which signifies a 5% year-over-year growth. Loans valued below Rs. 45 lakh (approximately US$ 52,549) made up 47% of disbursals, while 32% were in the Rs. 45 lakh to Rs. 1 crore (US$ 52,549-116,822) range. Remarkably, the average loan amounts recorded were Rs. 99 lakh (about US$ 115,609) in Mumbai and Rs. 88 lakh (around US$ 102,763) in Gurugram. Since FY19, property prices have risen by roughly 55–60%, further strengthening the trend toward high-value housing and evolving urban aspirations.