India home loan market is anticipated to grow at a brisk rate during the forecast period on account of affordable mortgage rates and increasing urbanization. Housing loan rate is low in India when compared with other developed and developing economies, presenting opportunities for the growth of home loan in the country. Moreover, government push towards affordable housing coupled with acute shortage of housing is further expected to drive India home loan over the next five years.

Home loan market in India can be segmented based on type, source, interest rate, tenure, area of property and region. In terms of source, the market can be segmented into bank and housing finance companies. Bank is the dominating segment in the market. HDFC, ICICI and SBI are the leading players in India home loan market. This is due to lower interest rates and various home loan schemes catering to customers.

Some of the companies operating in the market include HDFC Housing Finance, LIC Housing Finance L-imited, Indiabulls Housing Finance Limited, ICICI Home Finance, L&T Housing Finance Limited, PNB Housing Finance Limited, SBI Home Loan, Bajaj Finance Home Loan, Kotak Mahindra Home Loan, among others. Public and private sector banks are the major players in the market when compared with housing finance companies due to large customer base, customer service and competitive rates. Also, as part of schemes like Pradhan Mantri Awas Yojana, government is offering lower interest rates of around 6% in order to offer affordable housing loans. 

Years considered for this report:

Historical Years: 2014-2017

Base Year: 2018

Estimated Year: 2019

Forecast Period: 2020–2024

Objective of the Study:

  • To analyze and forecast the market size of India home loan market.
  • To classify and forecast India home loan market based on type, source, interest rate, tenure, area of property and regional distribution.
  • To identify drivers and challenges for India home loan market.
  • To examine competitive developments such as expansions, new product launches, mergers & acquisitions, etc., in India home loan market.
  • To identify and analyze the profile of leading players operating in India home loan market.

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TechSci Research performed both primary as well as exhaustive secondary research for this study. Initially, TechSci Research sourced a list of companies across the country. Subsequently, TechSci Research conducted primary research surveys with the identified companies. While interviewing, the respondents were also enquired about their competitors. Through this technique, TechSci Research could include the companies which could not be identified due to the limitations of secondary research.

TechSci Research calculated the market size of India home loan market by using a bottom-up approach, where data for various end-user segments was recorded and forecast for the future years. TechSci Research sourced these values from the industry experts and company representatives and externally validated through analyzing historical data of these product types and applications for getting an appropriate, overall market size. Various secondary sources such as company websites, news articles, press releases, company annual reports, investor presentations and financial reports were also studied by TechSci Research.

Key Target Audience:

  • Home loan companies and other stakeholders
  • Research organizations and consulting companies
  • Government bodies such as regulating authorities and policy makers
  • Organizations, forums and alliances related to home loan market   

The study is useful in providing answers to several critical questions that are important for the industry stakeholders such as service providers and partners, end users, etc., besides allowing them in strategizing investments and capitalizing on market opportunities.

Report Scope:

In this report, India home loan market has been segmented into following categories, in addition to the industry trends which have also been detailed below:

  • Market, By Type:
    • Housing Loan
    • Non-housing Loan
  • Market, By Source:
    • Bank
    • Housing Finance Companies (HFCs)
  • Market, By Interest Rate:
    • Fixed Rate
    • Floating Rate
  • Market, By Tenure:
    • Upto 5 years
    • 6-10 years
    • 11-24 Years
    • 25-30 Years
  • Market, By Area of Property:
    • Upto 500 Sq. foot
    • 501-1000 sq. foot
    • 1001-2000 sq. foot
    • Above 2000 sq. foot
  • Market, By Region:
    • North Region
    • South Region
    • East Region
    • West Region

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in India home loan market.

Available Customizations:

With the given market data, TechSci Research offers customizations according to a company’s specific needs. The following customization options are available for the report:

Company Information

  • Detailed analysis and profiling of additional market players (up to five).
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1.     Product Overview

2.     Research Methodology

3.     Executive Summary

4.     Voice of Customer

5.     India Home Loan Market Outlook

5.1.   Market Size & Forecast

5.1.1. By Value

5.2.   Market Share & Forecast

5.2.1. By Type (Housing Loan; Non-housing Loan)

5.2.2. By Source (Bank; Housing Finance Companies (HFCs))     

5.2.3. By Interest Rate (Fixed Rate; Floating Rate)

5.2.4. By Tenure (Upto 5 years; 6-10 years; 11-24 Years; 25-30 Years)

5.2.5. By Area of Property (Upto 500 Sq. foot; 501-1000 sq. foot; 1001-2000 sq. foot; Above 2000 sq. foot)

5.2.6. By Region (North, South, East, West)

5.2.7. By Company (2018)

5.3.   Market Attractiveness Index

6.     North India Home Loan Market Outlook

6.1.   Market Size & Forecast

6.1.1. By Value  

6.2.   Market Share & Forecast

6.2.1. By Source

6.2.2. By Tenure

7.     West India Home Loan Market Outlook

7.1.   Market Size & Forecast

7.1.1. By Value  

7.2.   Market Share & Forecast

7.2.1. By Source

7.2.2. By Tenure

8.     South India Home Loan Market Outlook

8.1.   Market Size & Forecast

8.1.1. By Value  

8.2.   Market Share & Forecast

8.2.1. By Source

8.2.2. By Tenure

9.     East India Home Loan Market Outlook

9.1.   Market Size & Forecast

9.1.1. By Value  

9.2.   Market Share & Forecast

9.2.1. By Source

9.2.2. By Tenure

10.  Market Dynamics

10.1.              Drivers

10.2.              Challenges

11.  Market Trends & Developments

12.  Policy & Regulatory Landscape

12.1.              Pradhan Mantri Awas Yojana

12.2.              RBI policies for home loan

13.  India Economic Profile

14.  Competitive Landscape

14.1.              Company Profile

14.1.1.   Company Detail

14.1.2.   Service Charges & Fees

14.1.3.   Documentation Required For Loan

14.1.4.   Terms & Conditions of Loan

14.2.              HDFC Housing Finance

14.3.              LIC Housing Finance Limited

14.4.              Indiabulls Housing Finance Limited

14.5.              ICICI Home Finance

14.6.              L&T Housing Finance Limited

14.7.              PNB Housing Finance Limited

14.8.              SBI Home Loan

14.9.              Bajaj Finance Home Loan

14.10.            Kotak Mahindra Home Loan

15.  Strategic Recommendations

16.  About Us & Disclaimer

 (Note: The companies list can be customized based on the client requirements)

In case you don’t find what you are looking for, please get in touch with our custom research team at