In a powerful shift in India’s housing finance landscape, women borrowers now account for 20% of all home loans disbursed in key cities — and their average loan sizes are growing faster than men’s.
According to data from Urban Money, a FinTech venture by Square Yards, women not only represent a significant share of total home loan borrowers but also show higher year-on-year growth in disbursal value — an indicator of rising financial empowerment and property ownership among women.
👩💼 Women Home Loan Trends (FY 2025):
| Metric | Women Borrowers | Male Borrowers |
|---|---|---|
| Share of total loans | 20% (1 in 5 loans) | 80% |
| Avg. loan amount (Top Cities) | ₹70 lakh | ₹76 lakh |
| YoY growth in avg. loan size | 13% | 3% |
| YoY growth in disbursal value | +23% | +14% |
Source: Urban Money (FY 2025)
📈 Other Key Home Loan Market Highlights:
- Home loan volume in major cities grew by 10% year-on-year
- Loan value disbursed grew by 15%, driven by premium property demand
- High-ticket loans (₹1 crore+) now make up 21% of total disbursals
- Loans below ₹45 lakh account for 47%, and ₹45 lakh–₹1 crore make up 32%
🏙️ City-Wise Average Home Loan Disbursed:
| City | Avg. Loan Amount (₹ lakh) | YoY Growth |
|---|---|---|
| Mumbai | 99 | 4% |
| Gurugram | 88 | 7% |
| Navi Mumbai | 76 | 12% |
| Bengaluru | 74 | 9% |
| Noida & Greater Noida | 71 | 4% |
| Hyderabad | 69 | 4% |
| Thane | 68 | 14% |
| Pune | 59 | 8% |
💬 Industry Insight
Amit Prakash Singh, CBO of Urban Money, said:
“The rising share of women in homeownership is more than just a financial trend — it’s a social shift. We are seeing more women independently securing larger loans, faster than ever before.”
🔍 What’s Driving This Shift?
- Government incentives for women borrowers (like lower stamp duty, tax benefits)
- Changing social norms and increasing income participation
- Fintech platforms like Urban Money simplifying and speeding up the process
- Premium property demand and dual-income household financing
With over ₹61,000 crore worth of secured loans disbursed and a robust network of 50,000+ agents, Urban Money is now India’s largest digital distributor of home loans. And if current trends continue, the next wave of homeownership in India will be increasingly female-led.
Also Read: Your Home Loan Interest To Remain Unchanged
