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インド住宅ローン市場 タイプ別(住宅購入、土地・区画購入、住宅建設、住宅改良、増改築、その他) 顧客タイプ別(給与所得者、自営業者) 出所別(銀行、住宅金融会社(HFC)) 金利別(10%未満、10%以上) 借入期間別(5年未満、5年以上10年未満、10年以上20年未満、20年以上) 地域別、競合、予測、機会、2019-2029F


India Housing Loan Market By Type (Home Purchase, Land/ Plot Purchase, Home Construction, Home Improvement, Home Extension, Others) By Customer Type (Salaried, Self-Employed), By Source (Bank & Housing Finance Companies (HFCs)), By Interest Rate (Below 10%, Above 10%), By Tenure (Below 5 Years, 5 to below 10 Years, 10 to 20 Years, Above 20 Years), By Region, Competition, Forecast & Opportunities, 2019-2029F

インドの住宅ローン市場は、即入居可能な住宅への需要の高まり、実績と信頼のあるデベロッパーによるプロジェクト、中・高級住宅セグメントにおける需要の増加、持ち家志向の高まり、新興企業の市場参入などを背... もっと見る

 

 

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インドの住宅ローン市場は、即入居可能な住宅への需要の高まり、実績と信頼のあるデベロッパーによるプロジェクト、中・高級住宅セグメントにおける需要の増加、持ち家志向の高まり、新興企業の市場参入などを背景に、予測期間を通じて成長すると予測される。
インド住宅ローン市場の範囲
住宅ローンとは、住宅を購入する際に担保として提供する有担保ローンのことである。この住宅ローンは低利、長期、高額の資金を提供する。返済は毎月均等割賦(EMI)で行われ、返済後、不動産の所有権は借り手に戻る。金融機関が提供する住宅ローンは、住宅購入だけでなく、土地購入ローン、住宅購入ローン、住宅建設ローン、住宅増改築ローン、住宅改良ローンなど、さまざまな用途に利用できる。インドでは、銀行や住宅金融会社(HFC)が住宅ローンを提供している。融資額や融資期間は、貸し手や借り手の適格性によって異なる。一般に、融資額に対する金利は最大10%または10%以上であり、期間は最大30年まで延長可能である。
インドの住宅ローン市場の概要
インドの住宅ローン市場とは、住宅の購入や建設のために個人や企業に融資を行う金融セクターを指す。住宅を所有する夢をかなえることができるため、この国の経済において大きな役割を果たしている。インドの住宅ローン市場は、公立・私立両方の銀行と住宅金融会社(HFC)によって占められている。代表的な金融機関には、インドステイト銀行(SBI)、HDFC銀行、ICICI銀行、アクシス銀行、LICハウジング・ファイナンス、インディアブルズ・ハウジング・ファイナンスなどがある。インドの住宅ローンの金利は、固定金利と変動金利があり、借り手の信用度、融資額、借入期間、市場の実勢など様々な要因に影響される。
State Bank of Indiaの経済調査報告書2022 "Ecowrap "によると、インドの住宅ローン市場規模は約3,220億米ドルで、今後5年間で倍増し、住宅ローンの対GDP比率は現在の11%から相応に上昇すると予想されている。さらに、SBIの経済調査部(ERD)は、住宅ローンのポートフォリオ総額は22年度に10%増加し、Tier-3およびTier-4地域の地区は、パンデミック後のTier-1およびTier-2地区よりもはるかに速いペースで成長しており、インドの住宅ローン市場を拡大していると指摘している。
インド住宅ローン市場の推進要因
人口が急増し、都市化が進むインドでは、住宅を求める人が増えている。そのため、個人や家族の住宅購入や住宅建設のための住宅ローン需要が増加している。さらに近年、インドでは経済成長、都市化、中産階級の台頭などの要因によって、可処分所得が着実に増加している。このため、住宅を購入する余裕も生まれ、予測期間中、インドの住宅ローン需要を促進している。加えて、インド政府は住宅所有のアフォーダビリティを促進し、住宅ローンを拡大するために様々な取り組みや政策を打ち出している。例えば、プラダン・マントリ・アワス・ヨジャナ(PMAY)計画では、2024年までに都市部の貧困層に対し、特に手頃な価格の住宅を購入するための奨励金や補助金が支給されることになっている。こうした取り組みにより、住宅ローンを利用する人が増えている。さらに、インドの銀行や金融機関は、競争力のある金利、柔軟な返済方法、ローン承認プロセスの簡素化などにより、住宅ローンをより利用しやすく魅力的なものにしている。これにより、個人が住宅購入資金を調達しやすくなり、インドの住宅ローン需要の増加に寄与している。

インドの住宅ローン市場動向
インドの住宅ローン市場は継続的に進化しており、最近ではいくつかの新しいトレンドが出現している。中低所得者層の住宅ニーズに対応するため、手頃な価格の住宅への注目が高まっている。金融機関は、プラダン・マントリ・アワス・ヨジャナ(PMAY)などの政府プログラムのもと、手ごろな価格の住宅を促進するため、特別なローン商品や金利補助を提供している。さらに、インドの住宅ローンセクターでは、デジタル化へのシフトが著しい。現在、多くの金融機関がオンライン・ローン・アプリ、デジタル書類、電子署名、オンライン・ローン申込を提供している。この傾向は借り手にとってローン手続きをより効率的かつ便利にし、予測期間中のインド住宅ローン市場を牽引している。
さらに、金融機関はさまざまな借り手のニーズに応えるため、より柔軟なローン・オプションを提供している。例えば、EMIが低いところから徐々に上がっていくステップアップローンもあり、将来的に収入が増えることが予想される借り手に適している。また、インドでは予測期間中に住宅ローン市場の成長が見込まれている。さらに、金融機関は、プロフィール、可処分所得、信用度、適格基準などの要素を考慮し、個々の借り手にカスタマイズされたローンを提供するようになってきている。この傾向により、借り手は個々のニーズに合わせた融資条件を利用できるようになる。このように、こうした傾向はインドの住宅ローン市場を後押ししている。

インド住宅ローン市場の課題
インドで最も急成長しているローンの一つが住宅ローンであり、住宅金融会社はインドの住宅不足に対処する上で大きな役割を担っている。しかし、様々な課題がインドの住宅ローンの成長を抑制している。住宅ローンと同様、借り手はEMIと利息を毎月支払わなければならない。

顧客が直面する課題のひとつは、さまざまなオフィスからの書類の収集である。住宅ローンに必要な様々な書類とは、承認された配置計画、給与証明書、企業や開発当局によって承認された建物の建設計画などである。前述の書類を様々な場所から集めるには、かなりの時間と、多少なりとも資金が必要であり、書類を集めるために事務所に出向く時間を見つけることが難しい従業員にとっては、特に問題となる。一般的に、住宅ローンを借りる人は住宅金融についてよく知らず、適当に会社を選ぶ傾向がある。しかし、ローンを組んだ後、借り手は手続き手数料、遅延損害金、期限前返済手数料、金利変換手数料などの隠れた手数料に対処しなければならない。このように、上記のような課題がインド市場の成長を阻害する要因となっている。

市場機会
インドの中間層は急速に成長しており、住宅購入を希望する人が増えている。つまり、金融機関は購入者のニーズを満たす住宅ローンを提供するチャンスが豊富にあるということだ。都市部に住む人が増えているため、手頃な価格の住宅が求められている。貸金業者は、低金利や長期のローンを提供することで、このような層にアプローチすることができる。さらに、テクノロジーの力を借りることで、貸し手はローン手続きをより迅速かつ効率的に行うことができる。また、デジタル・プラットフォームやアプリを利用することで、申し込みや承認のプロセスをより簡単にし、テクノロジーに精通した顧客にとってより魅力的なものにすることもできる。
- インドは中産階級が急成長している新興国で、家を持ちたいという願望を持っている。これは、貸し手と買い手の双方のニーズを満たす住宅ローンを買い手に提供する金融機関にとってチャンスとなり得る。したがって、都市人口の増加に伴い、住宅ローンに対する需要は手頃な価格で増加している。そのため、貸金業者は、住宅ローンを低金利で提供したり、ローンの満期を延長したりすることで、このセグメントに焦点を当てることができる。
- 貸出業界におけるテクノロジーの進歩は、ローン処理のスピードと効率を高めている。そのため、貸金業者はデジタル・プラットフォームやモバイル・アプリを利用して、スムーズな住宅ローンの申し込みと承認プロセスを提供し、テクノロジーに精通した顧客を引き付けることができる。
インド住宅ローン市場のセグメンテーション
インド住宅ローン市場は、タイプ、顧客タイプ、供給元、金利、借入期間、地域に基づいてセグメント化される。タイプ別では、住宅購入、土地・区画購入、住宅建設、住宅改良、住宅増改築、その他に細分化される。顧客タイプ別では、市場は給与所得者、自営業者に区分される。供給元ベースでは、市場は銀行、住宅金融会社(HFC)に区分される。金利ベースでは、市場は10%未満、10%以上に細分化される。契約期間ベースでは、市場は5年未満、5~10年未満、10~20年、20年以上に区分される。地域別では、市場は北、南、東、西に区分される。
企業プロフィール
Housing Development Finance Corporation Limited、LIC Housing Finance Limited、Indiabulls Housing Finance Limited、L&T Housing Finance Limited、PNB Housing Finance Limited、Tata Capital Housing Finance Limited、State Bank of India、Bajaj Housing Finance Limited、IIFL Housing Finance Limited、Can Fin Homes Ltdなどがインド住宅ローン市場の主要プレーヤーである。
レポートの範囲
本レポートでは、インドの住宅ローン市場を以下のカテゴリーに分類し、業界動向についても詳述している:
- インドの住宅ローン市場、タイプ別
o 住宅購入
o 土地/区画購入
住宅建設
o 住宅改良
o 住宅増築
o その他
- インド住宅ローン市場、顧客タイプ別
o 給与所得者
自営業
- インドの住宅ローン市場:供給元別
銀行
o 住宅金融会社(HFC)
- インドの住宅ローン市場:金利別
o 10%未満
o 10%以上
- インドの住宅ローン市場:契約期間別
o 5年未満
o 5年から10年未満
o 10年以上20年未満
20年以上
競合状況
企業プロフィール:インド住宅ローン市場における主要企業の詳細分析
利用可能なカスタマイズ
TechSci Research社は、与えられた市場データをもとに、企業の特定のニーズに応じてカスタマイズを提供します。本レポートでは以下のカスタマイズが可能です:
企業情報
追加市場参入企業(最大5社)の詳細分析とプロファイリング

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目次

1. Introduction
1.1. Product Overview
1.2. Key Highlights of the Report
1.3. Market Coverage
1.4. Market Segments Covered
1.5. Research Tenure Considered
2. Research Methodology
2.1. Objective of the Study
2.2. Baseline Methodology
2.3. Key Industry Partners
2.4. Major Association and Secondary Sources
2.5. Forecasting Methodology
2.6. Assumptions and Limitations
3. Executive Summary
3.1. Market Overview
3.2. Market Forecast
3.3. Key Regions
3.4. Key Segments
4. Voice of Customer Analysis (B2C Model Analysis)
4.1. Respondent Demographics
4.1.1. By Gender
4.1.2. By Age
4.1.3. By Occupation
4.2. Brand Awareness
4.3. Factors Influencing Purchase Decision
4.4. Challenges Faced
5. India Housing Loan Market Outlook
5.1. Market Size & Forecast
5.1.1. By Value
5.2. Market Share & Forecast
5.2.1. By Type Market Share Analysis (Home Purchase, Land/ Plot Purchase, Home Construction, Home Improvement, Home Extension, Others)
5.2.2. By Customer Type Market Share Analysis (Salaried, Self-Employed)
5.2.3. By Source Market Share Analysis (Bank & Housing Finance Companies (HFCs))
5.2.4. By Interest Rate Market Share Analysis (Below 10%, Above 10%)
5.2.5. By Tenure Market Share Analysis (Bank & Housing Finance Companies (HFCs))
5.2.6. By Region Market Share Analysis
5.2.6.1. North India Market Analysis
5.2.6.2. South India Market Analysis
5.2.6.3. East India Market Analysis
5.2.6.4. West India Market Analysis
5.3. India Housing Loan Market Mapping & Opportunity Assessment
5.3.1. By Type Market Mapping & Opportunity Assessment
5.3.2. By Customer Type Market Mapping & Opportunity Assessment
5.3.3. By Source Market Mapping & Opportunity Assessment
5.3.4. By Interest Rate Market Mapping & Opportunity Assessment
5.3.5. By Tenure Type Market Mapping & Opportunity Assessment
5.3.6. By Regional Market Mapping & Opportunity Assessment
6. India Home Purchase Housing Loan Market Outlook
6.1. Market Size & Forecast
6.1.1. By Value
6.2. Market Share & Forecast
6.2.1. By Customer Type Market Share Analysis (Salaried, Self-Employed)
6.2.2. By Source Market Share Analysis (Bank & Housing Finance Companies (HFCs))
6.2.3. By Interest Rate Market Share Analysis (Below 10%, Above 10%)
6.2.4. By Tenure Market Share Analysis (Bank & Housing Finance Companies (HFCs))
7. India Land/ Plot Purchase Housing Loan Market Outlook
7.1. Market Size & Forecast
7.1.1. By Value
7.2. Market Share & Forecast
7.2.1. By Customer Type Market Share Analysis (Salaried, Self-Employed)
7.2.2. By Source Market Share Analysis (Bank & Housing Finance Companies (HFCs))
7.2.3. By Interest Rate Market Share Analysis (Below 10%, Above 10%)
7.2.4. By Tenure Market Share Analysis (Bank & Housing Finance Companies (HFCs))
8. India Home Construction Housing Loan Market Outlook
8.1. Market Size & Forecast
8.1.1. By Value
8.2. Market Share & Forecast
8.2.1. By Customer Type Market Share Analysis (Salaried, Self-Employed)
8.2.2. By Source Market Share Analysis (Bank & Housing Finance Companies (HFCs))
8.2.3. By Interest Rate Market Share Analysis (Below 10%, Above 10%)
8.2.4. By Tenure Market Share Analysis (Bank & Housing Finance Companies (HFCs))
9. India Home Improvement Housing Loan Market Outlook
9.1. Market Size & Forecast
9.1.1. By Value
9.2. Market Share & Forecast
9.2.1. By Customer Type Market Share Analysis (Salaried, Self-Employed)
9.2.2. By Source Market Share Analysis (Bank & Housing Finance Companies (HFCs))
9.2.3. By Interest Rate Market Share Analysis (Below 10%, Above 10%)
9.2.4. By Tenure Market Share Analysis (Bank & Housing Finance Companies (HFCs))
10. India Home Extension Housing Loan Market Outlook
10.1. Market Size & Forecast
10.1.1. By Value
10.2. Market Share & Forecast
10.2.1. By Customer Type Market Share Analysis (Salaried, Self-Employed)
10.2.2. By Source Market Share Analysis (Bank & Housing Finance Companies (HFCs))
10.2.3. By Interest Rate Market Share Analysis (Below 10%, Above 10%)
10.2.4. By Tenure Market Share Analysis (Bank & Housing Finance Companies (HFCs))
11. Market Dynamics
11.1. Drivers
11.1.1. Increased Demand for Purchase or Construct Homes
11.1.2. Rising Government Initiatives and Policies
11.1.3. Easy Availability of Housing Loans
11.2. Challenges
11.2.1. High Competition
11.2.2. Lengthy Approval Process of Documentation
12. Impact of COVID-19 on India Housing Loan Market
12.1. Impact Assessment Model
12.1.1. Key Segments Impacted
12.1.2. Key Regions Impacted
13. Market Trends & Developments
13.1. Tax Benefits Offered by Indian Government On Housing Loans
13.2. Changing Lifestyles and Aspirations
13.3. Digitalization and Online Processes
13.4. Availability of Customized Loan Offers
13.5. Popularity of Co-lending and Partnerships
14. Porter’s Five Forces Model
14.1. Competitive Rivalry
14.2. Bargaining Power of Buyers
14.3. Bargaining Power of Suppliers
14.4. Threat of New Entrants
14.5. Threat of Substitutes
15. SWOT Analysis
15.1. Strengths
15.2. Weaknesses
15.3. Opportunities
15.4. Threats
16. Policy & Regulatory Landscape
17. India Economic Profile
18. Competitive Landscape
18.1. Company Profiles
18.1.1. Housing Development Finance Corporation Limited
18.1.1.1. Company Details
18.1.1.2. Product & Services
18.1.1.3. Financials (As Per Availability)
18.1.1.4. Key market Focus & Geographical Presence
18.1.1.5. Recent Developments
18.1.1.6. Key Management Personnel
18.1.2. LIC Housing Finance Limited
18.1.2.1. Company Details
18.1.2.2. Product & Services
18.1.2.3. Financials (As Per Availability)
18.1.2.4. Key market Focus & Geographical Presence
18.1.2.5. Recent Developments
18.1.2.6. Key Management Personnel
18.1.3. Indiabulls Housing Finance Limited
18.1.3.1. Company Details
18.1.3.2. Product & Services
18.1.3.3. Financials (As Per Availability)
18.1.3.4. Key market Focus & Geographical Presence
18.1.3.5. Recent Developments
18.1.3.6. Key Management Personnel
18.1.4. L&T Housing Finance Limited
18.1.4.1. Company Details
18.1.4.2. Product & Services
18.1.4.3. Financials (As Per Availability)
18.1.4.4. Key market Focus & Geographical Presence
18.1.4.5. Recent Developments
18.1.4.6. Key Management Personnel
18.1.5. PNB Housing Finance Limited
18.1.5.1. Company Details
18.1.5.2. Product & Services
18.1.5.3. Financials (As Per Availability)
18.1.5.4. Key market Focus & Geographical Presence
18.1.5.5. Recent Developments
18.1.5.6. Key Management Personnel
18.1.6. Tata Capital Housing Finance Limited
18.1.6.1. Company Details
18.1.6.2. Product & Services
18.1.6.3. Financials (As Per Availability)
18.1.6.4. Key market Focus & Geographical Presence
18.1.6.5. Recent Developments
18.1.6.6. Key Management Personnel
18.1.7. State Bank of India
18.1.7.1. Company Details
18.1.7.2. Product & Services
18.1.7.3. Financials (As Per Availability)
18.1.7.4. Key market Focus & Geographical Presence
18.1.7.5. Recent Developments
18.1.7.6. Key Management Personnel
18.1.8. Bajaj Housing Finance Limited
18.1.8.1. Company Details
18.1.8.2. Product & Services
18.1.8.3. Financials (As Per Availability)
18.1.8.4. Key market Focus & Geographical Presence
18.1.8.5. Recent Developments
18.1.8.6. Key Management Personnel
18.1.9. IIFL Housing Finance Limited
18.1.9.1. Company Details
18.1.9.2. Product & Services
18.1.9.3. Financials (As Per Availability)
18.1.9.4. Key market Focus & Geographical Presence
18.1.9.5. Recent Developments
18.1.9.6. Key Management Personnel
18.1.10. Can Fin Homes Ltd
18.1.10.1. Company Details
18.1.10.2. Product & Services
18.1.10.3. Financials (As Per Availability)
18.1.10.4. Key market Focus & Geographical Presence
18.1.10.5. Recent Developments
18.1.10.6. Key Management Personnel
19. Strategic Recommendations/Action Plan
19.1. Key Focus Areas
19.2. Target Regions
19.3. Target Type
20. About Us & Disclaimer

 

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Summary

India housing loan market is projected to grow through the forecast period, aided with the rise in demand for ready-to-move in houses, projects by established and trusted developers, increasing demand in the mid-to-luxury segment, growing desire for home ownership, and entry of newer players in the market.
India Housing Loan Market Scope
A housing loan or home loan is a secured loan that is obtained to purchase a property by offering something as collateral against a loan to purchase house. This housing loan offers low-interest, long-term, and high-value funding. They are repaid through equated monthly instalment (EMI) and after repayment and ownership of the property returns to the borrower. Financial institutions offer home loans, not only for buying a house but also for a variety of other purposes, which include loans for purchase of land, loans for home purchase, loans for construction of a house, house expansion or extension loans, loans for home improvement, and many others. In India, housing loan is offered by banks and housing finance companies (HFCs). The loan amount and tenure vary depending on the lender and the borrower's eligibility. Generally, the interest rate on the loan amount can be up to 10% or more than 10%, and the tenure can extend up to 30 years.
India Housing Loan Market Overview
The housing loan market in India refers to the financial sector that provides loans to individuals and companies for the purchase or construction of housing. It plays a major role in the economy of this country as it enables people to fulfill their dreams of owning a home. The housing loan market in India is dominated by banks, both public and private sector banks, as well as housing finance companies (HFCs). Some of the leading lenders include State Bank of India (SBI), HDFC Bank, ICICI Bank, Axis Bank, LIC Housing Finance, and Indiabulls Housing Finance, among others. The interest rates can be fixed or floating, on housing loans in India and are influenced by various factors which includes the borrower's creditworthiness, the loan amount, tenure, and prevailing market conditions.
According to State Bank of India’s economic research report 2022 “Ecowrap”, India’s home loan market, valued at about USD 322 billion, is expected to double in the next 5 years, with mortgage to GDP ratio rising commensurately from current 11 percent. Moreover, SBI’s Economic Research Department (ERD) noted the total home loan portfolio grew by 10 percent in FY22, with districts in tier-3 and tier-4 areas growing at a much faster rate than tier-1 and tier-2 districts, post pandemic, expanding the home loan market in India.
India Housing Loan Market Drivers
With India’s rapidly growing population, and urbanization, more and more people are looking for housing. This has led to an increase in demand for housing loans as individuals and families for purchase or to construct home. Moreover, in recent years, India has witnessed a steady increase in disposable incomes, driven by factors such as economic growth, urbanization, and a rising middle class. This has also enabled people to afford homes and has fueled the demand for housing loans in India during the forecasted period. Additionally, the government of India has also launched various initiatives and policies to promote affordability in housing ownership and expanding housing loan. For instance, under the scheme Pradhan Mantri Awas Yojana (PMAY), the urban poor by the year 2024 will have been provided with incentives and subsidies for homebuyers, particularly in the affordable housing segment. These initiatives have encouraged more people to avail housing loans. Moreover, Indian banks and financial institutions are making housing loans more accessible and attractive, by offering competitive interest rates, flexible repayment options, and simplified loan approval processes. This makes it easier for individuals to finance home purchases and contributes to the increased demand for housing loans in India, which will expand the market of housing loan in India during the forecasted years.

India Housing Loan Market Trends
The housing loan market in India is continuously evolving, and several new trends have emerged in recent times. There is an increasing focus on affordable housing, aimed at addressing the housing needs of low- and middle-income families. Lenders are offering special loan products and interest rate subsidies under government programs such as Pradhan Mantri Awas Yojana (PMAY), to promote affordable housing. Moreover, there has been a significant shift towards digitization in the Indian housing loan sector. Many lenders are now offering online loan apps, digital documents, electronic signatures, and an online loan application. This trend has made the loan process more efficient and convenient for borrowers, driving the India housing loan market in India during the forecasted period.
In addition, lenders are offering more flexible loan options to meet the needs of different borrowers. For instance, there are step-up loan options where EMIs start from lower starting points and go up gradually, which is suitable for borrowers expecting their income to increase in the future. Also, the housing loan market is expected to grow in the forecast period in India. In addition, lenders are increasingly providing customized loan offers to the individual borrowers, considering factors such as profile, disposable income, creditworthiness, and eligibility criteria. This trend provides borrowers with access to loan terms that are personalized to the individual needs. Thus, these trends are boosting the market of housing loan market in India.

India Housing Loan Market Challenges
One of the fastest growing loans in India is housing loan and housing finance companies have a big role in addressing the housing shortage in India. However, various challenges are restraining the growth of the housing loan in India. As with housing loans, the borrower has to pay EMI with interest on a monthly basis or else additional interest will be charged to consumers.

One of the challenges faced by the customers is the collection of documents from different offices. The various documents required for home loan are approved lay out plan, salary certificate, and building construction plan approved by corporation or development authority, etc. Collecting the aforementioned documents from various locations require a significant amount of time and, to a lesser extent, financial resources, which is a particular issue for employees who find it difficult to find the time to visit the office to collect the documents. In general, housing loan borrowers don’t know much about housing finance, and tend to choose the company at random. However, after taking out the loan, the borrower has to deal with hidden charges such as processing charges, late payment fees, pre-mature payment fees, interest rate conversion fees, etc. Thus, these above challenges are some of the factors that are hindering the growth of the market in India.

Market Opportunities
India's middle class is growing rapidly, and more and more people are looking to buy a home. That means lenders have plenty of chances to offer home loans to meet the needs of buyers. As more and more people live in cities, there's a need for affordable homes. Home lenders can reach out to this group by offering loans with lower interest rates or longer maturities. Plus, with the help of technology, lenders can make the loan process faster and more efficient. They can also use digital platforms and apps to make the application and approval process easier and more attractive to tech-savvy customers.
• India is an emerging country with a fast-growing middle class, having desire to own a home. This can be an opportunity for lenders offering home loan to buyers meeting the needs of both lender and buyer. Hence, with the growing urban population, the demand for home loans has increased at affordable prices. Thus, home lenders can focus on this segment by providing home loans at lower rates or with extended loan maturities.
• The increasing technology in the lending industry has increased the speed and efficiency of loan processing. Thus, lenders can use digital platforms and mobile apps to provide a smooth housing loan application and approval process to attract tech-savvy clients.
India Housing Loan Market Segmentation
The India Housing Loan market is segmented on the basis of type, customer type, source, interest rate, tenure and region. On the basis of type, the market is fragmented into home purchase, land/ plot purchase, home construction, home improvement, home extension, and others. On the basis of customer type, the market is segmented into salaried, self-employed. On the basis of source, the market is segmented into Bank, Housing Finance Companies (HFCs). The market is fragmented into below 10%, above 10% on the basis of interest rate. On the basis of tenure, the market is segmented into below 5 years, 5 to below 10 years, 10 to 20 years, and above 20 years. On the basis of region, the market is divided into North, South, East, and West.
Company Profiles
Housing Development Finance Corporation Limited, LIC Housing Finance Limited, Indiabulls Housing Finance Limited, L&T Housing Finance Limited, PNB Housing Finance Limited, Tata Capital Housing Finance Limited, State Bank of India, Bajaj Housing Finance Limited, IIFL Housing Finance Limited, Can Fin Homes Ltd are some of the major players in the India housing loan market.
Report Scope:
In this report, India housing loan market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:
• India Housing Loan Market, By Type:
o Home Purchase
o Land/ Plot Purchase
o Home Construction
o Home Improvement
o Home Extension
o Others
• India Housing Loan Market, By Customer Type:
o Salaried
o Self-Employed
• India Housing Loan Market, By Source:
o Bank
o Housing Finance Companies (HFCs)
• India Housing Loan Market, By Interest Rate:
o Below 10%
o Above 10%
• India Housing Loan Market, By Tenure:
o Below 5 Years
o 5 to below 10 Years
o 10 to 20 Years
o Above 20 Years
Competitive Landscape
Company Profiles: Detailed analysis of the major companies present in India Housing 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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Table of Contents

1. Introduction
1.1. Product Overview
1.2. Key Highlights of the Report
1.3. Market Coverage
1.4. Market Segments Covered
1.5. Research Tenure Considered
2. Research Methodology
2.1. Objective of the Study
2.2. Baseline Methodology
2.3. Key Industry Partners
2.4. Major Association and Secondary Sources
2.5. Forecasting Methodology
2.6. Assumptions and Limitations
3. Executive Summary
3.1. Market Overview
3.2. Market Forecast
3.3. Key Regions
3.4. Key Segments
4. Voice of Customer Analysis (B2C Model Analysis)
4.1. Respondent Demographics
4.1.1. By Gender
4.1.2. By Age
4.1.3. By Occupation
4.2. Brand Awareness
4.3. Factors Influencing Purchase Decision
4.4. Challenges Faced
5. India Housing Loan Market Outlook
5.1. Market Size & Forecast
5.1.1. By Value
5.2. Market Share & Forecast
5.2.1. By Type Market Share Analysis (Home Purchase, Land/ Plot Purchase, Home Construction, Home Improvement, Home Extension, Others)
5.2.2. By Customer Type Market Share Analysis (Salaried, Self-Employed)
5.2.3. By Source Market Share Analysis (Bank & Housing Finance Companies (HFCs))
5.2.4. By Interest Rate Market Share Analysis (Below 10%, Above 10%)
5.2.5. By Tenure Market Share Analysis (Bank & Housing Finance Companies (HFCs))
5.2.6. By Region Market Share Analysis
5.2.6.1. North India Market Analysis
5.2.6.2. South India Market Analysis
5.2.6.3. East India Market Analysis
5.2.6.4. West India Market Analysis
5.3. India Housing Loan Market Mapping & Opportunity Assessment
5.3.1. By Type Market Mapping & Opportunity Assessment
5.3.2. By Customer Type Market Mapping & Opportunity Assessment
5.3.3. By Source Market Mapping & Opportunity Assessment
5.3.4. By Interest Rate Market Mapping & Opportunity Assessment
5.3.5. By Tenure Type Market Mapping & Opportunity Assessment
5.3.6. By Regional Market Mapping & Opportunity Assessment
6. India Home Purchase Housing Loan Market Outlook
6.1. Market Size & Forecast
6.1.1. By Value
6.2. Market Share & Forecast
6.2.1. By Customer Type Market Share Analysis (Salaried, Self-Employed)
6.2.2. By Source Market Share Analysis (Bank & Housing Finance Companies (HFCs))
6.2.3. By Interest Rate Market Share Analysis (Below 10%, Above 10%)
6.2.4. By Tenure Market Share Analysis (Bank & Housing Finance Companies (HFCs))
7. India Land/ Plot Purchase Housing Loan Market Outlook
7.1. Market Size & Forecast
7.1.1. By Value
7.2. Market Share & Forecast
7.2.1. By Customer Type Market Share Analysis (Salaried, Self-Employed)
7.2.2. By Source Market Share Analysis (Bank & Housing Finance Companies (HFCs))
7.2.3. By Interest Rate Market Share Analysis (Below 10%, Above 10%)
7.2.4. By Tenure Market Share Analysis (Bank & Housing Finance Companies (HFCs))
8. India Home Construction Housing Loan Market Outlook
8.1. Market Size & Forecast
8.1.1. By Value
8.2. Market Share & Forecast
8.2.1. By Customer Type Market Share Analysis (Salaried, Self-Employed)
8.2.2. By Source Market Share Analysis (Bank & Housing Finance Companies (HFCs))
8.2.3. By Interest Rate Market Share Analysis (Below 10%, Above 10%)
8.2.4. By Tenure Market Share Analysis (Bank & Housing Finance Companies (HFCs))
9. India Home Improvement Housing Loan Market Outlook
9.1. Market Size & Forecast
9.1.1. By Value
9.2. Market Share & Forecast
9.2.1. By Customer Type Market Share Analysis (Salaried, Self-Employed)
9.2.2. By Source Market Share Analysis (Bank & Housing Finance Companies (HFCs))
9.2.3. By Interest Rate Market Share Analysis (Below 10%, Above 10%)
9.2.4. By Tenure Market Share Analysis (Bank & Housing Finance Companies (HFCs))
10. India Home Extension Housing Loan Market Outlook
10.1. Market Size & Forecast
10.1.1. By Value
10.2. Market Share & Forecast
10.2.1. By Customer Type Market Share Analysis (Salaried, Self-Employed)
10.2.2. By Source Market Share Analysis (Bank & Housing Finance Companies (HFCs))
10.2.3. By Interest Rate Market Share Analysis (Below 10%, Above 10%)
10.2.4. By Tenure Market Share Analysis (Bank & Housing Finance Companies (HFCs))
11. Market Dynamics
11.1. Drivers
11.1.1. Increased Demand for Purchase or Construct Homes
11.1.2. Rising Government Initiatives and Policies
11.1.3. Easy Availability of Housing Loans
11.2. Challenges
11.2.1. High Competition
11.2.2. Lengthy Approval Process of Documentation
12. Impact of COVID-19 on India Housing Loan Market
12.1. Impact Assessment Model
12.1.1. Key Segments Impacted
12.1.2. Key Regions Impacted
13. Market Trends & Developments
13.1. Tax Benefits Offered by Indian Government On Housing Loans
13.2. Changing Lifestyles and Aspirations
13.3. Digitalization and Online Processes
13.4. Availability of Customized Loan Offers
13.5. Popularity of Co-lending and Partnerships
14. Porter’s Five Forces Model
14.1. Competitive Rivalry
14.2. Bargaining Power of Buyers
14.3. Bargaining Power of Suppliers
14.4. Threat of New Entrants
14.5. Threat of Substitutes
15. SWOT Analysis
15.1. Strengths
15.2. Weaknesses
15.3. Opportunities
15.4. Threats
16. Policy & Regulatory Landscape
17. India Economic Profile
18. Competitive Landscape
18.1. Company Profiles
18.1.1. Housing Development Finance Corporation Limited
18.1.1.1. Company Details
18.1.1.2. Product & Services
18.1.1.3. Financials (As Per Availability)
18.1.1.4. Key market Focus & Geographical Presence
18.1.1.5. Recent Developments
18.1.1.6. Key Management Personnel
18.1.2. LIC Housing Finance Limited
18.1.2.1. Company Details
18.1.2.2. Product & Services
18.1.2.3. Financials (As Per Availability)
18.1.2.4. Key market Focus & Geographical Presence
18.1.2.5. Recent Developments
18.1.2.6. Key Management Personnel
18.1.3. Indiabulls Housing Finance Limited
18.1.3.1. Company Details
18.1.3.2. Product & Services
18.1.3.3. Financials (As Per Availability)
18.1.3.4. Key market Focus & Geographical Presence
18.1.3.5. Recent Developments
18.1.3.6. Key Management Personnel
18.1.4. L&T Housing Finance Limited
18.1.4.1. Company Details
18.1.4.2. Product & Services
18.1.4.3. Financials (As Per Availability)
18.1.4.4. Key market Focus & Geographical Presence
18.1.4.5. Recent Developments
18.1.4.6. Key Management Personnel
18.1.5. PNB Housing Finance Limited
18.1.5.1. Company Details
18.1.5.2. Product & Services
18.1.5.3. Financials (As Per Availability)
18.1.5.4. Key market Focus & Geographical Presence
18.1.5.5. Recent Developments
18.1.5.6. Key Management Personnel
18.1.6. Tata Capital Housing Finance Limited
18.1.6.1. Company Details
18.1.6.2. Product & Services
18.1.6.3. Financials (As Per Availability)
18.1.6.4. Key market Focus & Geographical Presence
18.1.6.5. Recent Developments
18.1.6.6. Key Management Personnel
18.1.7. State Bank of India
18.1.7.1. Company Details
18.1.7.2. Product & Services
18.1.7.3. Financials (As Per Availability)
18.1.7.4. Key market Focus & Geographical Presence
18.1.7.5. Recent Developments
18.1.7.6. Key Management Personnel
18.1.8. Bajaj Housing Finance Limited
18.1.8.1. Company Details
18.1.8.2. Product & Services
18.1.8.3. Financials (As Per Availability)
18.1.8.4. Key market Focus & Geographical Presence
18.1.8.5. Recent Developments
18.1.8.6. Key Management Personnel
18.1.9. IIFL Housing Finance Limited
18.1.9.1. Company Details
18.1.9.2. Product & Services
18.1.9.3. Financials (As Per Availability)
18.1.9.4. Key market Focus & Geographical Presence
18.1.9.5. Recent Developments
18.1.9.6. Key Management Personnel
18.1.10. Can Fin Homes Ltd
18.1.10.1. Company Details
18.1.10.2. Product & Services
18.1.10.3. Financials (As Per Availability)
18.1.10.4. Key market Focus & Geographical Presence
18.1.10.5. Recent Developments
18.1.10.6. Key Management Personnel
19. Strategic Recommendations/Action Plan
19.1. Key Focus Areas
19.2. Target Regions
19.3. Target Type
20. About Us & Disclaimer

 

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