Economic Survey 2026: Access to housing finance grows over the years

Access to housing finance has significantly improved. The share of housing loans to GDP reached 11% in FY25, up from 8% in FY15. Outstanding individual housing loans more than tripled in a decade. Demand-side measures and urban initiatives have boosted housing finance and demand. The real estate sector is in a sustained upcycle, driven by household savings and favourable affordability.