Woman Homebuyers In India, a woman has always been an involved member of Indian households’ decision-making processes. Today, thanks to various women’s empowerment programs, society is gradually transforming, and more women are taking their first steps toward purchasing a home.

Woman Homebuyers In India

According to a new Economic Times survey, 42 percent of women choose real estate as their favorite investment, 30 percent prefer fixed deposits, and 17 percent prefer gold.

This emerging positive trend can be seen in Tier I and Tier-II cities. The explanation for this is that these cities have no restrictions in terms of employment prospects, schooling, protection, and leisure opportunities.


Purchasing a home in the name of a woman has many financial benefits. Let’s take a look at it –

– Higher Chance of Loan Sanction

Almost 90% of homes in India are purchased using only a home loan. And, when analyzing a household’s repayment capacity, if both the husband and wife’s names are listed, both of their incomes are considered. As a result, the loan is more likely to be approved smoothly and quickly than usual.


– Lower Rate on Home Loans

Many financial institutions and banks provide home loans at even lower interest rates when the property is co-owned or even solely owned by a woman. It has been observed that women are very careful about loan repayment, and there are very few instances where women fail to pay the interest rate on time. SBI has created a “Her Ghar” scheme in which the transaction charge is fully waived if the property is owned by a woman. Similarly, several other banks have benefits of home loans to female property owners. However, one of the most important things to remember is that these privileges are only available if a woman completely owns the property or is the first claimant in the property.

Woman Homebuyers In India

– Stamp Duty Charges

Many states waive stamp duty penalties in the event of a female claimant. For example, Rajasthan offers a 1% reduction in stamp duty charges, whereas Delhi, Mumbai, and Haryana offer a 2% reduction in stamp duty charges.


– Tax Benefits on Home Loan

If a property is co-owned by a husband and wife, each of them will declare it individually in their tax-deductible column. This has aided and expanded urban sales of 3-4 BHK Mulund West apartments.



The Pradhan Mantri Awas Yojana is a game-changer. If any female resident of the house is registered as a co-owner, the government would include a tax subsidy of up to Rs.2.67 lakhs.



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Purchasing a home in a woman’s name not only provides protection and stability, but it is also a smart financial choice. This long-term commitment would also help future generations. All of the above financial outputs have resulted in a rise in residential apartments in major cities such as Navi Mumbai and Mumbai. However, one of the most important considerations is to work with a reputable contractor. Investigate Property in Kharghar, Navi Mumbai.


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Disclaimer: The views of this expressed above are for informational purposes only based on the industry reports & related news stories. does not guarantee the accuracy of this article, completeness, or reliability of the information & shall not be held responsible for any action taken based on the published information.
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