Why Are Indian Women Actively Investing In Real Estate?

investing in real estate

Millennials understand the profit that the real estate industry can bring along and among them, 70% are women investors. Based on recently released survey reports, women are preparing for residential real estate investment and they are ready to take a bold decision. 

Moreover, financial knowledge is growing among active Indian women and so they are considering becoming a homeowner rather than investing in other assets like gold. Thus, the population who are preparing themselves for investing in real estate has received great hype.

Let’s get to understand why Indian women are considering real estate a fruitful investment venture.


Indian Women getting the scope of real estate investment

With the proximity of enhancement in educational institutes, wellness, safety and security, women are becoming part of the development community. They are shifting their interest from gold and fixed deposits to purchasing real estate. 

Along with that, financial institutes and government-related departments are also encouraging women to become homeowners. It is time for women to shade the shadow of patriarchy and become financially stable by buying real estate properties. 

There are plenty of reasons for a woman to invest in the real estate sector

Home for self-use

Based on the recent survey, it can be seen that there is a high demand for 2 BHK and 3 BHK flats and women are spending around 45 lakh to 1.5 crores to purchase them for self-use. Mostly there is a high demand for ready-to-move-in homes and the main intention is to buy luxury real estate property. So, it can be turned into a holiday home. Other than this, ready-to-move-in homes are being preferred to rent out and this adds as a financial asset.

Support from the government

According to the co-founder of a real estate consultancy, Pradhan Mantri Awas Yojana (PMAY) is the pillar that is supporting women to invest in the real estate sector. PMAY, being a Credit Link Subsidy Scheme (CLSS) has been a great perk for women. They are getting an added benefit when it comes to home loan interest while paying income tax. 

Based on the Pradhan Mantri Awas Yojana, women have the right to claim a 6.5% subsidy on the home loan interest. Other than this there is an exemption on stamp duty and registration charges as well.

Becoming financially independent

Women are taking part in financial decisions when it comes to buying property. Women are getting the rights that they deserve for making sole financial decisions as a homemaker or as working women. They are getting enough ideas about the property and real estate sector owing to the advancing technology.  

Further, they are also getting assistance from their partner and learning about the old and new generation differences in resources and investment. Women are getting equal pay and equally supporting their spouses to run a family. Thus, they have an equal right to make decisions when it comes to investing in real estate

Scope for profitable returns 

While exploring residential real estate investment women are understanding that it has good returns when compared to other investment areas. They can get property based on their budget, in any area they prefer and real estate also comes with a promising future. Thus, it has been motivating a good return in terms of a second income. 

It is always a good decision to create a passive income other than relying on a specific job or being dependent on anybody. The real estate sector has given women the power not to become a liability anymore and improve their financial health. They can secure their as well as their family’s financial health.

Source of financial stability

The pandemic has helped everybody to realize the fact that jobs can be fragile and one needs another source of income for safety purposes. Real estate investment is the safest playground for a woman where they can invest without any hesitation or fear of loss. Real estate investment has no hassles, such as problems in liquidity or slow return. Rather, it gives a growing financial power to Indian women. 

The prior concern among women is to diversify their financial assets, deal with personal crises, become independent and gain respect. And, the real estate market is the best solution this term.


Advantages of Women Home Buyers in India

The interesting fact is that after Covid-19, women responding in terms of buying property has increased. The advantages that a woman home buyer can get in India are:

  • 0.05 to 0.10 percentage reduction in home loan interest rate, along with a discount on the processing fees offered by most banks.
  • Most home finance companies make an initiative to adjust women’s preferences based on additional discounts or incentives.
  • In case the property execution is done in the name of a woman, then the stamp duty charges are reduced. However, the charges differ from one state to another.
  • When considering the Pradhan Mantri Awas Yojana scheme there is a reduction of up to 2 lakh that can be obtained for the interest on a home loan by a woman house owner.


The latest trend is buying homes by Indian women

Investment in real estate is mostly visible in metropolitan cities that include Kolkata, Bangalore, Mumbai and also Tier II cities, such as Chandigarh, Lucknow and Raipur.

Single women are usually choosing cities like Kolkata, Mumbai, Hyderabad and Bangalore because these areas are a source of better opportunities. These include job, education and safety. Moreover, real estate developers are encouraging female home buyers by offering various incentives and benefits which is also giving a huge boost to the real estate industry.

There are multinational property consultants whose involvement in the Indian real estate market has increased the importance of gender neutrality. Thus, providing better opportunities and avenues of growth to women. 


Investing in the real estate sector is no longer uncharted territory for women. They can manage their savings and effort and plan on buying a home either for living or to begin a new career. It also gives a secure future and the return can be used for recreational and travel purposes. So, you being an Indian woman can get a desirable home within your budget by browsing through Srijan Realty.

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