Women Want Homes, But Loan Access Remains a Challenge in India

• Indian women increasingly aspire to own homes and invest in real estate, with 61% targeting properties above Rs 90 lakh, up from 25% in 2019.
• Despite high interest in real estate (71% prefer it over gold/FDs), women secured only 11% of home loans approved in 2025, according to an Urban Money report.
• The average home loan size for women was Rs 23 lakh, significantly lower than Rs 29 lakh for men, often due to lower income and career breaks.
• Common reasons for loan rejection include insufficient income, unstable employment, low credit score, and lack of credit history.
• To improve chances, women should build independent credit history, maintain good credit scores, and keep income documents ready.