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Top 5 Essential Benefits for Women Homebuyers in India

women homebuyers India

There has been a recent push by the government of India to encourage women home buyers to purchase new properties. This is part of the larger scheme to promote home ownership and help boost the economy.

The government’s efforts to encourage women to buy new properties are part of its larger goal to promote gender equality and women’s empowerment. There are a number of reasons why this is a good idea and why women home buyers should take advantage of the current situation.

Here are the top 5 benefits for women homebuyers in India:

Top 5 Benefits For Women Homebuyers in India

1 .  Lower Stamp Duty

Some of the top benefits for women home buyers include lower stamp duty in some states, income tax benefits, and relaxation in Know Your Customer (KYC) norms. In many states, such as Delhi, Haryana, Punjab, and Odissa, the rate of stamp duty for women is lower than that for men.

2 .  Home Loans with Attractive Interest Rates

There are a number of benefits for women home buyers in India. One of the main benefits is that women are able to get lower interest rates on their home loans. Many banks and NBFCs offer home loans at lower interest rates for women. Furthermore, banks like SBI and HDFC also offer lucrative schemes to women homebuyers to encourage them.

3 .  Higher Eligibility for Home Loans

Earning women home buyers also have the option to avail of a joint home loan with their husband or another family member. This can help them save on interest and get a higher loan amount. Such advantages to women homebuyers have positively impacted the Indian real estate market, with women accounting for a growing share of home buyers in recent years.

4 .  Tax Benefits on Home Loans

Apart from lower interest schemes and lucrative schemes for women homebuyers, there are certain tax benefits also. For example, if a property is bought under a woman’s name, a tax deduction of up to 2 lakhs can be availed. Furthermore, if a married working couple has bought a home jointly, both partners can avail of tax deduction benefits separately.

5 .  Benefits Under PMAY

Another benefit for women home buyers is that they can avail of the Pradhan Mantri Awas Yojana (PMAY) scheme. Under this scheme, women home buyers can get a subsidy of up to 2.67 lakh on their home loans. This scheme is especially beneficial for first-time home buyers.


The benefits for women home buyers in India make buying a home a very attractive proposition. With the proper planning and guidance, women home buyers can easily take advantage of these benefits and make their dream of owning a home a reality.

Pharande Spaces is a leading  real estate developer in Pune with multiple  new projects in Pimpri Chinchwad, Hinjewadi, Ravet, and many more places across Pune. The remarkable range of residential properties provided by Pharande Spaces is equipped with all the modern amenities.


1. What are the benefits of women buying a house in Maharashtra?

Women home buyers in Maharashtra have the benefit of acquiring lower stamp duty (1% concession), preferential interest rates on home loans, increased loan eligibility, tax deductions on home loan interest payments, and the sense of security and peace of mind that comes with owning a home.

2. What are property rights of women in India?

The property rights of women in India include the legal right to own, inherit, and dispose of property. These rights are protected under the Hindu Succession Act of 1956, which ensures equal inheritance rights for both sons and daughters and the Indian Succession Act of 1925, which provides equal inheritance rights for women of all religions.

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