Indian loan against real estate markets, 2016-2020 and 2021-2026 by property type, loan type, interest rate, source, tenure, region and company


DUBLIN, March 26, 2021 / PRNewswire / – The “Indian Loan Against The Real Estate Market, By Property Type (Independent Residential, Rented Residential Property, Commercial Property, Independent Land), By Loan Type, By Interest Rate, By Source, By Term Occupancy, By Region, Forecast and Opportunity, report FY2026 “has been added to offer.

Indian loan against real estate market is expected to grow at a CAGR of over 14% in terms of value to reach 857.87 billion USD by fiscal year 2026.

These loans offer large sums with low interest rates as well as longer repayment terms, thus stimulating the market. The loan against property works in favor of the borrower’s wishes as the borrower remains the owner of the property by law for the term of the loan and has the right to repay the loan according to his or her financial standing, attributing in besides the growth of India real estate market.

In addition, a home equity loan can be taken out for medical emergencies, education, marriages, business start-up / expansion, and other family needs by providing a large amount of cash.

The Indian property loans market is segmented on the basis of property type, loan type, interest rate, source, tenure, region and company. Based on the source, the market is further divided into banks and housing finance companies (HFCs). Of these, the banking segment dominated the market in FY2020, and the trend is expected to continue through FY2026 as they offer lower interest rates while benefiting clients with a myriad of lucrative loan programs.

Depending on the type of loan, the market is further fragmented into personal loan, business loan, construction loan and construction loan, etc. Of these, a commercial loan is expected to dominate the market during the forecast period, followed closely by construction and construction loans, as most small and medium-sized businesses request funds for business purposes and financial.

Some of the market players such as Housing Development Finance Corporation Limited (HDFC), Industrial Credit and Investment Corporation of India Bank Limited (ICICI), Life Insurance Corporation Housing Finance Limited (LIC), Punjab National Bank Housing Finance Limited (PNB), State Bank of India, offering loan-for-property services in Indian banks, are transparent, convenient, secure and hassle-free. They offer various customer focused programs that allow them to improve their customer base.

Key target audience:

  • Loan against real estate banks, end users and other stakeholders
  • Government bodies such as regulators and policy makers
  • Lending Against Property Organizations, Forums and Alliances
  • Market studies and consulting firms

Years considered for this report:

  • Historical years: FY2016-FY2019
  • Reference year: fiscal year 2020
  • Estimated year: FY2021
  • Forecast period: FY2022-FY2026

Main topics covered:

1. Product overview

2. Research methodology

3. Impact of COVID-19 on the Indian Real Estate Loan Market

4. Executive summary

5. Voice of the customer

6. Indian loan versus real estate market outlook
6.1. Market size and forecast
6.1.1. By value
6.2. Market share and forecasts
6.2.1. By type of property (independent residential property, leased residential property, commercial property, independent land and others)
6.2.2. By type of loan (personal loan, commercial loan, building and construction loan, other)
6.2.3. By interest rate (fixed rate, variable rate)
6.2.4. By source (banks and housing finance companies (HFCs))
6.2.5. By seniority (up to 5 years, 6-10 years, 11-24 years, 25-30 years)
6.2.6. By region (North, East, West, South)
6.2.7. By company
6.3. Product market map (by property, by type of loan, by interest rate, by source, by tenure, by region)

7. North India Loan Versus Real Estate Market Outlook
7.1. Market size and forecast
7.1.1. By value
7.2. Market share and forecasts
7.2.1. By type of property
7.2.2. By interest rate
7.2.3. By provenance
7.2.4. By seniority
7.2.5. By the 3 main states

8. East Indian Loan Versus Housing Market Outlook
8.1. Market size and forecast
8.1.1. By value
8.2. Market share and forecasts
8.2.1. By type of property
8.2.2. By interest rate
8.2.3. By provenance
8.2.4. By seniority
8.2.5. By the 3 main states

9. West India Loan vs. Housing Market Outlook
9.1. Market size and forecast
9.1.1. By value
9.2. Market share and forecasts
9.2.1. By type of property
9.2.2. By interest rate
9.2.3. By provenance
9.2.4. By seniority
9.2.5. By the 3 main states

10. South Indian Loan Versus Real Estate Market Outlook
10.1 Market Size and Forecast
10.1.1. By value
10.2 Market share and forecast
10.1.2. By type of property
10.1.3. By interest rate
10.1.4. By provenance
10.1.5. By seniority
10.1.6. By the 3 main states

11. Market dynamics
11.1 Drivers
11.2 Challenges

12. Market trends and developments

13. Political and regulatory landscape

14. Economic profile of India

15. Competitive landscape
15.1 Company Profile
15.1.1 Housing Development Finance Corporation Bank Ltd (HDFC)
15.1.2 Industrial Credit and Investment Corporation of India Bank Limited (ICICI)
15.1.3 Housing Finance Limited (LIC) life insurance company
15.1.4 Punjab National Bank Housing Finance Limited (PNB)
15.1.5 State Bank of India (SBI)
15.1.6 Bank of South India Limited
15.1.7 Indian Bank
15.1.8 Federal Bank Limited
15.1.9 Yes Bank Limited
15.1.10 Axis Bank Limited

16. Strategic recommendations

For more information on this report, visit

Media contact:

Research and markets
Laura Wood, senior
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