Report presents overall housing scenario, analysis of housing schemes and role of primary lending institutions in the sector.

Key Highlights of Report

• Banks account for 81% whereas Housing Finance Companies (HFCs) account for 19% of housing loans.
• Distribution of loans(outstanding) : Middle Income Group(44%)> EWS & Lower Income Group(39%)> High Income Group (HIG): 17%
• Housing loans (as % of GDP): It has increased from 6.60% (2011-12)to 11.29% (2023-24). 
• Green buildings: Only 5% of buildings are classified as green 

Challenges in Housing Sector in India:

• Regional Disparity in Finance:  Southern (35%), Western (30%), Northern (28%), Eastern (5.4%) , North Eastern States (0.68%) 
• Climate Risks: Increased vulnerability to floods, fires, and extreme weather calls for  resilient and energy-efficient buildings.
• Issues in Green Building: Limited number of certification bodies, lack of standard certification framework, and high material costs.

Opportunities

• Technological advancements: E.g: Use of AI, data analytics, and predictive modelling, 3D Printing can reduce costs, speedup projects 
• Increased Liquidity: E.g. REITs provide opportunity for smaller investors to participate in large-scale projects and offer more liquid investment options.
• Budget Push (2025-26): Urban Challenge Fund, National Geospatial Mission to boost housing sector growth.