With a 14% increase in transactions, women buyers are changing Indian real estate.

If we look at a report, the total residential transactions across Mumbai, Navi Mumbai, Thane, Pune, Bengaluru, Hyderabad, Noida, Greater Noida and Ghaziabad touched 5.77 lakh in 2024. This is a 4 per cent rise from 5.56 lakh in 2023 where the percentage of transactions by women buyers rose from 20% in 2023 to 22% in 2024.

While male buyers accounted for 2.18 lakh transactions—an 11 per cent increase from 1.96 lakh joint ownership transactions (male + female) declined by 7 per cent, though they remained the dominant category, comprising 40 per cent of total registered transactions.

If we look at the ownership of residential transactions in 2024 then it shows a shifting situation in homeownership in the market. Male + female joint ownership stayed the most common group, but dropped 7% from 2.47 lakh units (45% share) in 2023 to 2.30 lakh units (40% share) in 2024. Sole male ownership, meantime, increased by 11% from 1.96 lakh units (35% share) to 2.18 lakh units (38% share).

The residential transactions by sole female buyers recorded the higher yearly growth at 14 per cent reaching 1.29 lakh units (22 per cent share) in 2024 up from 1.14 lakh units (20 per cent share) the previous year. The overall number of registered residential transactions climbed by 4 percent which rose from 5.56 lakh units in 2023 to 5.77 lakh units in 2024 also showing the growth in involvement of women in India’s real estate sector.

Women Homebuyers Shaping the Market

A top professional highlighted the rising influence of women in real estate, stating, “As women gain better empowerment through education, workforce participation and financial independence, they are emerging as formidable decision-makers and influential consumers in real estate. Our data supports this transition, with a 14 per cent yearly increase in residential sales by solo female purchasers in 2024, exceeding the 11 per cent growth among sole male buyers.”

How Government Is Driving Female Homeownership

The surge in female homeownership is driven by a combination of supporting government policies, financial rewards and technology improvements which has made property ownership more easy for women. Another government help like Pradhan Mantri Awas Yojana (PMAY) which states that there should be one female member registered as a property. Rules like this help women to become more financially stable.

The Credit Linked Subsidy Scheme (CLSS) offers first-time buyers a subsidy of up to Rs 2.67 lakh for easing the financial burden. Stamp duty rebates from 1 to 3 percent across states like Maharashtra, Uttar Pradesh and Assam provide further cost savings while home loan interest rate waivers of 0.05 per cent for female applicants attracts more women to invest in real estate.

Tax incentives under Sections 80C, 80EE and 24b allow deductions of up to Rs 2 lakh on home loan interest, making homeownership a more practical and attractive alternative for women across the country.

Technology Boosting Women’s Home Ownership

Digital tools have played a critical role in this shift. Online property search portals, mortgage calculators and budgeting tools help women to make informed buying decisions. Social media, tech advantages and digital payment methods have further facilitated financial inclusion, providing women more autonomy in homeownership.

As the landscape of Indian real estate transforms, women are emerging as a big player in homeownership, altering market dynamics and setting new benchmarks for financial independence.