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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):

MetricWomen BorrowersMale Borrowers
Share of total loans20% (1 in 5 loans)80%
Avg. loan amount (Top Cities)₹70 lakh₹76 lakh
YoY growth in avg. loan size13%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:

CityAvg. Loan Amount (₹ lakh)YoY Growth
Mumbai994%
Gurugram887%
Navi Mumbai7612%
Bengaluru749%
Noida & Greater Noida714%
Hyderabad694%
Thane6814%
Pune598%

💬 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

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