India is undergoing a powerful home loan supercycle, with cumulative home loan disbursements projected to reach ₹150 trillion by 2035. Structural drivers such as rising incomes, favourable demographics, rapid urbanisation and large scale infrastructure investment are set to expand housing demand well beyond major metros. Mortgage penetration currently at ~11% of GDP is far below global peers, highlighting substantial headroom for sustained growth. Government initiatives such as PMAY-2.0, SWAMIH-2, RERA enforcement and the Urban Challenge Fund are enhancing affordability, boosting supply, and improving transparency. With an estimated upcoming demand for 40 million urban mortgages, housing finance stands out as a compelling long-term structural credit opportunity.
What you can expect from this report:
- Insights into the Housing Finance Industry dynamics
- Examining the structural growth drivers, and government policy support
- Housing demand outlook and disbursement opportunity estimates till 2035
- Comparing fundamentals of key Housing Finance players