Home Loan Volume and Value See Double-Digit Growth; High-Ticket Loans (Rs. 1+ Cr) Reach 21% Share: Urban Money
Driven by rising residential demand, India’s home
loan market continues to strengthen. According to insights from Urban Money,
the volume and value of home loan disbursals in top cities increased by 10% and
15%, respectively, in FY 2025. Notably, loans with ticket sizes above Rs. 1
crore accounted for 21% of total home loan disbursals during the year.
Mumbai, Maharashtra, June 3, 2025 – Residential
property registrations across key Indian cities have continued to rise steadily
in recent years. Data from Urban Money (FinTech venture by Square Yards), shows
that the total number of registered residential transactions in key cities*, as
recorded by the Inspector General of Registration (IGR), increased from 3.07
lakh units in FY 2019 to 5.44 lakh units in FY 2025—a 77% growth over the
six-year period.
This upward trend is also reflected in the housing
finance sector, which plays a critical role in supporting residential real
estate. According to Urban Money’s latest report, ‘Housing Finance – The Quiet
Catalyst Driving India’s Property Market’, both the
volume and value of home loans in major cities have increased by 10% and 15%,
respectively. The report covers cities including Bengaluru, Gurugram, Noida
& Greater Noida, Hyderabad, Mumbai, Thane, Navi Mumbai, and Pune.
Amit Prakash Singh, CBO Urban Money &
Co-Founder, Square Yards, “At Urban Money, we started with a simple
goal—make housing finance in India easier, faster, and more accessible. The
market was largely fragmented, with long paperwork and delayed sanctions. So,
we built a digital-first platform, forged strong partnerships with lenders, and
scaled a robust on-ground network of 500+ offices and 50,000+ agents—enabling
us to become India’s largest organised distributor of secured mortgages. What’s
even more encouraging is how the broader market is evolving. As highlighted in
our latest report, home loan volumes in top cities grew by 10% YoY, and the
total value disbursed rose 15% YoY in FY25. Home loans above Rs. 1 crore now
make up 21% of disbursals, reflecting rising demand for premium housing. And
with 1 in every 5 home loans going to a woman borrower, we’re clearly
witnessing a shift towards more empowered and inclusive homeownership. All
these shifts highlight rising urban aspirations, stable credit conditions, and
evolving homeownership trends across the country.”
Urban
Money's latest trends and insights for FY 2025 highlight key shifts in home
loan segment across India’s major residential real estate markets:
·
Property-linked loans, comprising home loans and loans against property,
accounted for the largest share—63%—of total loan disbursals in FY 2025.
·
During the same period, the number of home loans disbursed in the top cities
grew by 10% year-on-year. This included a 10% increase among male borrowers and
a 9% increase among female borrowers.
·
In FY 2025, the total value of home loans disbursed in these cities rose by
15%, reflecting a shift towards premium homes as well as notable increase in
property prices—up by approximately 55–60% on average since FY 2019.
Year-on-year growth in disbursal value stood at 14% for men and a higher 23%
for women.
·
Home loans above the Rs. 1 crore ticket-size accounted for 21% of total
disbursals in FY 2025. In comparison, home loans below Rs. 45 lakh accounted
for 47% of disbursals, while those between Rs. 45 lakh and Rs. 1 crore made up
32%.
·
One in five home loans disbursed during FY 2025 was to a woman borrower,
reflecting rising participation of women in property ownership.
·
The average home loan value in the top cities reached Rs. 74 lakh in FY 2025,
marking a 5% year-on-year increase. For male borrowers, the average stood at
Rs. 76 lakh (+3% YoY), while for women it was Rs. 70 lakh—growing at the
fastest rate of 13% year-on-year.
·
Mumbai and Gurugram recorded the highest average home loan values, at Rs. 99
lakh and Rs. 88 lakh respectively in FY 2025.
Note:
Insights are based on disbursal data trends observed on www.urbanmoney.com
and should be viewed as indicative, not definitive.
*Analysis
includes key residential markets: Bengaluru, Noida & Greater Noida,
Gurugram, Hyderabad, Mumbai, Navi Mumbai, Thane, and Pune.
Source:
Urban Money
|
City-wise Home Loan Disbursement Trends by Urban
Money |
||
|
City |
Average Value of Home Loan Disbursed (Rs. Lakh) |
% Growth in Average Home Loan Value Disbursed (FY
2024 vs FY 2025) |
|
Bengaluru |
74 |
9% |
|
Gurugram |
88 |
7% |
|
Noida & Greater Noida |
71 |
4% |
|
Hyderabad |
69 |
4% |
|
Mumbai |
99 |
4% |
|
Thane |
68 |
14% |
|
Navi Mumbai |
76 |
12% |
|
Pune |
59 |
8% |
Note: Insights
are based on disbursal data trends observed on www.urbanmoney.com
and should be viewed as indicative, not definitive.
*Analysis
includes key residential markets: Bengaluru, Noida & Greater Noida,
Gurugram, Hyderabad, Mumbai, Navi Mumbai, Thane, and Pune.
Source:
Urban Money
Fintech
and Urbanisation Driving Momentum in Housing Finance
The
ongoing growth in residential real estate and housing finance is being driven
by strong end-user demand, continued urbanisation, progressive government
initiatives, and rapid advances in digital infrastructure. The rise of fintech
platforms has played a key role by improving credit assessment processes,
expanding access to credit, and enhancing the overall borrowing experience.
Urban Money, a FinTech venture by Square Yards, is at the forefront of
this transformation. As one of the largest mortgage distribution networks in
India, Urban Money operates as a leading digital lending marketplace and fintech
platform. It aggregates loan offerings from banks and NBFCs, delivering a
seamless, end-to-end experience—from product selection to documentation, tax
and insurance guidance, and disbursal support.
Launched in 2015, Urban Money has grown to become the country’s largest
organised distributor of secured mortgages. As of FY 2025, it has facilitated loan
disbursals worth 61 K.Cr+, supported by a network of over 50,000 agents and
partnerships with more than 150 banks and NBFCs.
Note:* The IGR analysis for registered residential transactions covers seven major cities: Bengaluru, Hyderabad, Mumbai, Navi Mumbai, Noida & Greater Noida, Pune, and Thane.
About Urban Money | FinTech Venture by Square Yards
Urban Money is a leading digital lending marketplace and fintech
platform that aggregates a wide range of loan products from banks and NBFCs,
offering a seamless end-to-end borrowing experience. From helping customers
choose the right product to managing documentation, tax and insurance advisory,
and disbursal support, Urban Money simplifies the complex lending journey.
Launched in 2015, Urban Money has rapidly scaled to become India’s largest
organised distributor of secured mortgages. As of FY 2025, the platform has
facilitated loan disbursals worth Rs. 61K Crore+, supported by a robust network
of over 50,000 agents and 150+ banking and NBFC partners. Urban Money is a
fintech venture by Square Yards, India’s largest integrated real estate
marketplace. With a category leadership across key stages of the home ownership
journey, Square Yards attracts over 8 million monthly users and has achieved a
gross transaction value (GTV) of over USD 7+ billion. The company has a
presence in 100+ cities across 9 countries, and is among the few Indian
startups with global scale.
|
₹61k cr+ |
500+ |
|
|
$82 mn |
50k+ |
150+ |
