For most Indians, buying a home is not just a financial milestone, it is a deeply emotional decision. It represents security, permanence, and a sense of achievement that renting rarely offers. Traditionally it has also been considered a reliable way to build wealth, often encouraged by family wisdom that equates property ownership with financial security.
But the economic reality of urban India today is very different from what it was few generations ago. Property prices in metro cities have risen sharply, home loan interest rates remain elevated, and rental yields (the annual rent as a percentage of property value) have stayed low. At the same time, in the long run equities have delivered strong returns for disciplined investors.
