India’s Best Investment Choice By Manish Jain, President, CREDAI Pune

Investing your money wisely is something we all strive for, and when it comes to safe and rewarding options, real estate in India has always stood out. More than just bricks and mortar, your home or property is a way to steadily grow your wealth, even when the economy swings and leave an inheritance for generations to come. And today, it’s an even better time to invest than ever before.

A home is an investment that families from all income levels aspire to own. The High-net-worth individuals see real estate as a powerful tool to grow capital, optimize tax liabilities and secure strategic business advantages. The ultra-rich sector of the society has always turned to bricks and mortar to preserve and multiply their fortunes across generations.

The real estate market in India has evolved significantly over the years. Today’s homebuyers are younger, smarter and more financially savvy. Unlike before, when delays were common and accepted, buyers now expect their projects on time and with good quality. Pune, in particular, is a shining example of this shift. Housing sales in Pune jumped an incredible 65% in just one quarter during 2023.

Luxury homes are also catching up fast – nearly one in five homes sold now falls into that category, compared to much fewer just a few years ago. This shows a growing desire for spacious, versatile living spaces that suit modern lifestyles, especially with more people working from home.​

So why is now the right moment to invest? India’s economy is growing strong and it is very encouraging to see the Reserve Bank of India take a positive, growth-supportive stance with a reduction of 25 basis points this month in December 2025 & a cumulative 125 basis-points repo rate cut this year, effectively lowering borrowing costs by about 1.25%. This will accelerate business activity, improve liquidity and give a strong push to the economy.

For home-buyers, the impact is immediate and meaningful. For instance, on a Rs 75 lakh home loan over 20 years, this reduction can lower EMIs by around Rs 6,000 per month, saving borrowers nearly Rs 15 lakh over the loan tenure compared to last year. This will significantly boost home-buying sentiment and drive housing demand. Many NRIs (non-resident Indians) are returning with renewed interest and investment capability. Low home loan interest rates, incentives for women buyers and tax benefits make owning a home financially attractive. Plus, rental income from your property is increasing steadily – it can often cover maintenance and significant part of your loan EMI, turning your home into a source of passive income.​

One of the biggest changes that make investing safer today is the Real Estate Regulation Act (RERA) and state laws like MahaRERA. These rules protect buyers by making sure projects are completed on time and as promised. For example, MahaRERA requires that 70% of the money paid by buyers must only be used for construction and land.. Developers who don’t meet commitments face stiff penalties. Buyers can also check project details online anytime, like approvals, progress and legal issues, which were hard to find before.​

The RBI’s December 2025 policy brings a significant boost for potential homeowners, with a 25-bps repo rate cut bringing the rate down to 5.25%. This reduction is expected to ease home loan interest rates, making EMIs more affordable for buyers. Importantly, this rate-cut cycle will also have a positive spillover on India’s GDP. Lower interest rates typically lift consumer spending, private investment and real estate activity — sectors that have strong multiplier effects on the economy. With improved credit flow and rising demand across industries, the RBI’s move can meaningfully support GDP growth momentum in FY26 by strengthening domestic consumption and investment cycles. With the GDP forecast at 7.3%, the outlook remains robust, reinforcing confidence in Pune’s property market as a stable and rewarding investment.

Real Estate in India is witnessing a sharp rise in capital inflows from multiple channels — including higher FDI, Institutional Investors, Alternate Investment Funds (AIFs), REITs and fast-growing fractional ownership platforms — reflecting the strong trust in real estate as a safe and stable investment class. Liberalized FDI norms and automatic route approvals in key sectors have further strengthened investor confidence, while AIFs, REITs and fractional platforms continue to expand their presence in the market. Together, these capital streams are deepening liquidity, enhancing transparency and accelerating long-term growth across the real estate sector

In the case of Pune, especially, the numbers highlight why real estate is such a great bet. In the first half of 2025, the Pune Metropolitan region sold the most real estate in India, with almost 44,000 units sold for a total of Rs 32,800 crores in the first half(H1) of 2025, reflecting a 27% increase in average unit value over the last three years. Pune’s housing market grew from Rs 36,000 crores in 2021 to Rs 65,000 crores in 2024—an 80% surge in three years. 

In just the first half of 2025, Pune has already surpassed Rs 33,000 crore in total housing sales value. Pune has consistently led India’s major metros in housing sales volume over the past five years—a testament to its exceptional affordability, livability and infrastructure ecosystem. Despite not being a state capital or having port access, Pune continues to retain its leadership in residential real estate, outperforming larger metro cities.

Looking forward, sustainability and smarter construction methods are making homes even better investments. Developers are adopting green building techniques, using automated factories for higher quality concrete and digitally monitoring construction for efficiency. These innovations help create homes that aren’t just durable and comfortable but also kinder to our environment, something today’s buyers really value.​

If you’re ready to dive in, here’s some straightforward, practical advice from years of industry experience: Focus on upcoming locations with excellent connectivity, pick reputable developers and CREDAI Pune members with proven track records of on-time delivery and consider your long-term family or work needs carefully.

Start small if needed, leverage those low-interest loans wisely and always verify everything through trusted RERA portals. It’s simpler than you think and the rewards, both financial and emotional will last for a lifetime.​

Urban planning also supports growth with new rules that allow more construction space on given plots, adding value for buyers. While the costs of land and building materials are rising, this means property prices are likely to go up gradually, making today’s investments even more worthwhile.​

Technology has transformed finding and buying your home. Virtual tours, online listings and professional channel partners make it easy to explore your options without stepping outside. You can even finalize documents and verify property titles digitally, removing much of the hassle and giving you peace of mind.​

Lastly, your real estate investment stays flexible and liquid. Properties in good locations, like Pune, can be sold or rented out quickly. Redevelopment projects further add value to older properties, giving them a new lease on life and helping your investment grow steadily.​In short, real estate in India is a winning combination of stability, growth and income. With better regulations, smarter buyers and technology making the process easier, it remains one of the smartest ways to secure your financial future and build lasting wealth.