India’s mortgage to GDP stands at 16.6% as of FY25, having grown from 9.1%, five years ago. Yet, this is low compared with China’s 28% and US’ 60%.

Hence, the headroom for growth in housing loans is robust, expected to grow quicker than the rate seen in the last five years.

Since the pandemic, premium housing has seen phenomenal growth and thus, loans with ticket size over ₹50 lakh now occupy a larger share. Growth in semi-urban and rural markets outpacing that in urban markets is another trend that the numbers reveal

Published on September 30, 2025