India Home Loan Market By Customer Type (Salaried, Self-Employed), By Loan Type (Retail, Corporate), By Type (Housing Loan & Non-housing Loan), By Source (Bank & Housing Finance Companies (HFCs)), By Bank Type (Private, Public), By Interest Rate (Fixed Rate & Floating Rate), By Tenure (Up to 5 years; 6-10 years; 11-24 Years & 25-30 Years), By Area of Property (Up to 500 Sq. foot; 501-1000 sq. foot; 1001-2000 sq. foot & Above 2000 sq. foot), By Mode of Purchase, By Customer Profile, By Region, Competition, Forecast & Opportunities, 2026

Published Date: February - 2025 | Publisher: MIR | No of Pages: 320 | Industry: BFSI | Format: Report available in PDF / Excel Format

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India Home Loan Market was valued at USD 329.88 billion in 2024 and is anticipated to grow USD 561.47 billion by 2029 with a CAGR of 9.33% through 2030.

India home loan market is anticipated to grow at a brisk rate of around 22% during 2021 - 2026 on account of increasing urbanization and affordable mortgage rates. Housing loan rate is low in India when compared with developing economies, presenting opportunities for the growth of home loan market in the country. Moreover, government push towards affordable housing coupled with acute shortage of housing is further expected to drive India home loan over the next five years.

Home loan market in India can be segmented By Customer Type, By Loan Type, By Interest Rate, By Type, By Housing Loan, By Non-Housing Loan, By Source, By Bank Type, By Tenure, By Area of Property, By Mode Of Purchase, By Customer Profile and By Region. In India, banks and housing finance companies (HFCs) are the preferred sources for home loans. Banks dominated the market in 2020 and the trend is likely to continue in the forthcoming years as well. This is due to the fact that banks offer attractive interest rates when compared with housing finance companies, which are regulated by National Housing Bank. Additionally, banks follow marginal cost of funds-based lending rate (MCLR) model which attracts a lot of customers.

In terms of interest rate, market can be bifurcated into fixed rate and floating rate. Floating interest rate is the preferred choice by majority of Indians as floating interest rate offers many advantages over fixed interest rate. By Customer type, India home loan market is segmented into salaried and Surface and regional distribution.

  • To identify drivers and challenges for India home loan market.
  • To examine competitive developments such as expansions, new product launches, mergers & acquisitions, etc., in India home loan market.
  • To identify and analyze the profile of leading players operating in India home loan market.

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    MIR calculated the market size of

    Key Target Audience

    • Home loan companies and other stakeholders
    • Government bodies such as regulating authorities and policy makers
    • Organizations, forums and alliances related to home loan market
    • Market research and consulting firms

    The study is useful in providing answers to several critical questions that are important for the industry stakeholders such as service providers and partners, end users, etc., besides allowing them in strategizing investments and capitalizing on market opportunities.

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    Table of Content

    Table of content
    1.    Introduction

    1.1.  Market Overview

    1.2.  Key Highlights of the Report

    1.3.  Market Coverage

    1.4.  Market Segments Covered

    1.5.  Research Tenure Considered

    2.    Research Methodology

    2.1.  Methodology Landscape

    2.2.  Objective of the Study

    2.3.  Baseline Methodology

    2.4.  Formulation of the Scope

    2.5.  Assumptions and Limitations

    2.6.  Sources of Research

    2.7.  Approach for the Market Study

    2.8.  Methodology Followed for Calculation of Market Size & Market Shares

    2.9.  Forecasting Methodology

    3.    Executive Summary

    3.1.  Market Overview

    3.2.  Market Forecast

    3.3.  Key Regions

    3.4.  Key Segments

    4.    Voice of Customer

    4.1.  Factors Influencing Purchase Decision

    4.2.  Source of Information

    4.3.  Brand Awareness

    5.    India Housing Loan Market Outlook

    5.1.  Market Size & Forecast

    5.1.1.    By Value

    5.2.  Market Share & Forecast

    5.2.1.    By Type Market Share Analysis (Home Purchase, Land/ Plot Purchase, Home Construction, Home Improvement, Home Extension, Others)

    5.2.2.    By Customer Type Market Share Analysis (Salaried, Self-Employed)

    5.2.3.    By Source Market Share Analysis (Bank, Housing Finance Companies (HFCs))

    5.2.4.    By Interest Rate Market Share Analysis (Below 10%, Above 10%)

    5.2.5.    By Tenure Market Share Analysis (Below 5 Years, 5 to below 10 Years, 10 to 20 Years, above 20 Years)

    5.2.6.    By Regional Market Share Analysis

    5.2.6.1.        North Market Share Analysis

    5.2.6.2.        South Market Share Analysis

    5.2.6.3.        East Market Share Analysis

    5.2.6.4.        West Market Share Analysis

    5.2.7.    By Top 5 Companies Market Share Analysis, Others (2024)

    5.3.  India Housing Loan Market Mapping & Opportunity Assessment

    5.3.1.    By Type Market Mapping & Opportunity Assessment

    5.3.2.    By Customer Type Market Mapping & Opportunity Assessment

    5.3.3.    By Source Market Mapping & Opportunity Assessment

    5.3.4.    By Interest Rate Market Mapping & Opportunity Assessment

    5.3.5.    By Tenure Market Mapping & Opportunity Assessment

    5.3.6.    By Region Market Mapping & Opportunity Assessment

    6.    India Home Purchase Housing Loan Market Outlook

    6.1.  Market Size & Forecast      

    6.1.1.    By Value

    6.2.  Market Share & Forecast

    6.2.1.    By Customer Type Market Share Analysis

    6.2.2.    By Source Market Share Analysis

    6.2.3.    By Interest Rate Market Share Analysis

    6.2.4.    By Tenure Market Share Analysis

    7.    India Land/ Plot Purchase Housing Loan Market Outlook

    7.1.  Market Size & Forecast      

    7.1.1.    By Value

    7.2.  Market Share & Forecast

    7.2.1.    By Customer Type Market Share Analysis

    7.2.2.    By Source Market Share Analysis

    7.2.3.    By Interest Rate Market Share Analysis

    7.2.4.    By Tenure Market Share Analysis

    8.    India Home Construction Housing Loan Market Outlook

    8.1.  Market Size & Forecast      

    8.1.1.    By Value

    8.2.  Market Share & Forecast

    8.2.1.    By Customer Type Market Share Analysis

    8.2.2.    By Source Market Share Analysis

    8.2.3.    By Interest Rate Market Share Analysis

    8.2.4.    By Tenure Market Share Analysis

    9.    India Home Improvement Housing Loan Market Outlook

    9.1.  Market Size & Forecast      

    9.1.1.    By Value

    9.2.  Market Share & Forecast

    9.2.1.    By Customer Type Market Share Analysis

    9.2.2.    By Source Market Share Analysis

    9.2.3.    By Interest Rate Market Share Analysis

    9.2.4.    By Tenure Market Share Analysis

    10. India Home Extension Housing Loan Market Outlook

    10.1.            Market Size & Forecast        

    10.1.1. By Value

    10.2.            Market Share & Forecast

    10.2.1. By Customer Type Market Share Analysis

    10.2.2. By Source Market Share Analysis

    10.2.3. By Interest Rate Market Share Analysis

    10.2.4. By Tenure Market Share Analysis

    11. Market Dynamics

    11.1.            Drivers

    11.2.            Challenges

    12. Market Trends & Developments

    13. SWOT Analysis

    13.1.            Strength

    13.2.            Weakness

    13.3.            Opportunity

    13.4.            Threat

    14. Policy & Regulatory Landscape

    15. India Economic Profile

    16. Competitive Landscape

    16.1.            Company Profiles

    16.1.1. HDFC Bank Ltd

    16.1.1.1.     Company Details

    16.1.1.2.     Products & Services

    16.1.1.3.     Financials (As Per Availability)

    16.1.1.4.     Key Market Focus & Geographical Presence

    16.1.1.5.     Recent Developments

    16.1.1.6.     Key Management Personnel

    16.1.2. LIC Housing Finance Limited

    16.1.2.1.     Company Details

    16.1.2.2.     Products & Services

    16.1.2.3.     Financials (As Per Availability)

    16.1.2.4.     Key Market Focus & Geographical Presence

    16.1.2.5.     Recent Developments

    16.1.2.6.     Key Management Personnel

    16.1.3. L&T Finance Limited

    16.1.3.1.     Company Details

    16.1.3.2.     Products & Services

    16.1.3.3.     Financials (As Per Availability)

    16.1.3.4.     Key Market Focus & Geographical Presence

    16.1.3.5.     Recent Developments

    16.1.3.6.     Key Management Personnel

    16.1.4. Tata Capital Limited

    16.1.4.1.     Company Details

    16.1.4.2.     Products & Services

    16.1.4.3.     Financials (As Per Availability)

    16.1.4.4.     Key Market Focus & Geographical Presence

    16.1.4.5.     Recent Developments

    16.1.4.6.     Key Management Personnel

    16.1.5. PNB Housing Finance Limited

    16.1.5.1.     Company Details

    16.1.5.2.     Products & Services

    16.1.5.3.     Financials (As Per Availability)

    16.1.5.4.     Key Market Focus & Geographical Presence

    16.1.5.5.     Recent Developments

    16.1.5.6.     Key Management Personnel

    16.1.6. State Bank of India

    16.1.6.1.     Company Details

    16.1.6.2.     Products & Services

    16.1.6.3.     Financials (As Per Availability)

    16.1.6.4.     Key Market Focus & Geographical Presence

    16.1.6.5.     Recent Developments

    16.1.6.6.     Key Management Personnel

    16.1.7. Bajaj Housing Finance Limited

    16.1.7.1.     Company Details

    16.1.7.2.     Products & Services

    16.1.7.3.     Financials (As Per Availability)

    16.1.7.4.     Key Market Focus & Geographical Presence

    16.1.7.5.     Recent Developments

    16.1.7.6.     Key Management Personnel

    16.1.8. IIFL Home Finance Limited

    16.1.8.1.     Company Details

    16.1.8.2.     Products & Services

    16.1.8.3.     Financials (As Per Availability)

    16.1.8.4.     Key Market Focus & Geographical Presence

    16.1.8.5.     Recent Developments

    16.1.8.6.     Key Management Personnel

    16.1.9. Sammaan Capital Limited

    16.1.9.1.     Company Details

    16.1.9.2.     Products & Services

    16.1.9.3.     Financials (As Per Availability)

    16.1.9.4.     Key Market Focus & Geographical Presence

    16.1.9.5.     Recent Developments

    16.1.9.6.     Key Management Personnel

    16.1.10.              Can Fin Homes Limited

    16.1.10.1.  Company Details

    16.1.10.2.  Products & Services

    16.1.10.3.  Financials (As Per Availability)

    16.1.10.4.  Key Market Focus & Geographical Presence

    16.1.10.5.  Recent Developments

    16.1.10.6.  Key Management Personnel

    17. Strategic Recommendations

    17.1.            Key Focus Areas

    17.2.            Target Type

    17.3.            Target Tenure

     

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