Home Loan Volume and Value See Double-Digit Growth; High-Ticket Loans (Rs. 1+ Cr) Reach 21% Share: Urban Money
Residential property registrations across key Indian cities have continued to rise steadily in recent years. Data from Urban Money (FinTech venture by Square Yards), shows that the total number of registered residential transactions in key cities*, as recorded by the Inspector General of Registration (IGR), increased from 3.07 lakh units in FY 2019 to 5.44 lakh units in FY 2025—a 77% growth over the six-year period.
This upward trend is also reflected in the housing finance sector, which plays a critical role in supporting residential real estate. According to Urban Money’s latest report, ‘Housing Finance – The Quiet Catalyst Driving India’s Property Market’, both the volume and value of home loans in major cities have increased by 10% and 15%, respectively. The report covers cities including Bengaluru, Gurugram, Noida & Greater Noida, Hyderabad, Mumbai, Thane, Navi Mumbai, and Pune.
Amit Prakash Singh, CBO Urban Money & Co-Founder, Square Yards, “At Urban Money, we started with a simple goal—make housing finance in India easier, faster, and more accessible. The market was largely fragmented, with long paperwork and delayed sanctions. So, we built a digital-first platform, forged strong partnerships with lenders, and scaled a robust on-ground network of 500+ offices and 50,000+ agents—enabling us to become India’s largest organised distributor of secured mortgages. What’s even more encouraging is how the broader market is evolving. As highlighted in our latest report, home loan volumes in top cities grew by 10% YoY, and the total value disbursed rose 15% YoY in FY25. Home loans above Rs. 1 crore now make up 21% of disbursals, reflecting rising demand for premium housing. And with 1 in every 5 home loans going to a woman borrower, we’re clearly witnessing a shift towards more empowered and inclusive homeownership. All these shifts highlight rising urban aspirations, stable credit conditions, and evolving homeownership trends across the country.”
Urban Money's latest trends and insights for FY 2025 highlight key shifts in home loan segment across India’s major residential real estate markets:
* Property-linked loans, comprising home loans and loans against property, accounted for the largest share—63%—of total loan disbursals in FY 2025.
* During the same period, the number of home loans disbursed in the top cities grew by 10% year-on-year. This included a 10% increase among male borrowers and a 9% increase among female borrowers.
* In FY 2025, the total value of home loans disbursed in these cities rose by 15%, reflecting a shift towards premium homes as well as notable increase in property prices—up by approximately 55–60% on average since FY 2019. Year-on-year growth in disbursal value stood at 14% for men and a higher 23% for women.
* Home loans above the Rs. 1 crore ticket-size accounted for 21% of total disbursals in FY 2025. In comparison, home loans below Rs. 45 lakh accounted for 47% of disbursals, while those between Rs. 45 lakh and Rs. 1 crore made up 32%.
* One in five home loans disbursed during FY 2025 was to a woman borrower, reflecting rising participation of women in property ownership.
* The average home loan value in the top cities reached Rs. 74 lakh in FY 2025, marking a 5% year-on-year increase. For male borrowers, the average stood at Rs. 76 lakh (+3% YoY), while for women it was Rs. 70 lakh—growing at the fastest rate of 13% year-on-year.
* Mumbai and Gurugram recorded the highest average home loan values, at Rs. 99 lakh and Rs. 88 lakh respectively in FY 2025.
Fintech and Urbanisation Driving Momentum in Housing Finance
The ongoing growth in residential real estate and housing finance is being driven by strong end-user demand, continued urbanisation, progressive government initiatives, and rapid advances in digital infrastructure. The rise of fintech platforms has played a key role by improving credit assessment processes, expanding access to credit, and enhancing the overall borrowing experience.
Urban Money, a FinTech venture by Square Yards, is at the forefront of this transformation. As one of the largest mortgage distribution networks in India, Urban Money operates as a leading digital lending marketplace and fintech platform. It aggregates loan offerings from banks and NBFCs, delivering a seamless, end-to-end experience—from product selection to documentation, tax and insurance guidance, and disbursal support.
Launched in 2015, Urban Money has grown to become the country’s largest organised distributor of secured mortgages. As of FY 2025, it has facilitated loan disbursals worth 61 K.Cr+, supported by a network of over 50,000 agents and partnerships with more than 150 banks and NBFCs.
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