Owning a home in India today is about much more than having a roof over your head. For millions of Indians, monthly EMIs are no longer just loan repayments—they are stepping stones to long-term wealth.

From middle-income families buying their first home to high-end buyers investing in luxury residences, home loans are quietly creating a new generation of asset holders.

HOUSING FINANCE MARKET ON THE RISE

Amit Jain, CMD of Arkade Developers Limited, highlights the scale of the opportunity: “India’s housing finance market, currently at Rs 33 lakh crore, is projected to cross Rs 78 lakh crore by FY 2030, growing 15–16% annually. Affordable housing alone is set to expand 20–22% a year, pulling millions of new buyers into the ownership cycle.”

He adds, “The average home loan size has climbe

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