Macro Tailwinds

• Demographic Dividend: 65 % of the population under 35 keeps housing demand robust.
• Government Incentives: Pradhan Mantri Awas Yojana subsidies up to ₹2.67 lakh for first-time buyers.
• Infrastructure Push: ₹11 lakh-crore Union Budget outlay accelerates road, metro, and airport projects, uplifting peripheral markets.

Interest-Rate Cycle

After peaking last year, RBI held repo rates steady for three meetings, signalling a neutral stance. Locking in now protects you from future hikes.

Rental Yield vs EMI

In metros like Bengaluru and Pune, rental yields have risen to ~4 %, narrowing the gap with mortgage rates. Break-even between renting and owning is at its lowest in a decade.

Inflation Hedge

Real estate historically outpaces inflation by 2–3 %. With CPI hovering around 5 %, brick-and-mortar assets safeguard purchasing power.

Conclusion

Align your purchase with solid fundamentals—job location, long-term stay, and cash flow stability—and the timing couldn’t be better. Speak to our mortgage advisors for personalised EMI simulations.