The Indian realty market is the dark horse of Indian economy. The property or real estate prices in metropolitan and upcoming metropolitan cities have increased by approximately 10 times when compared to the last ten years. In the present scenario, transaction related to buying and selling of residential properties have increased considerably, as it is safe and profitable investment option. As a matter of fact, home is the safest investment because it is one of the few assets whose value compounds with time. On other hand, the investment on commercial property remains passive due various factors like weakening economy, unrealistic property taxes which often results in high vacancy and falling prices. Buying a home is like dream coming true for life time. Well, the purchase of home also helps the individual to save tax as various tax deduction options are available on the purchase of a house, which is made possible only if person apply for home loans in India. Home loans in India are made available by various financial institutions to both Indian as well as NRI customers. The borrowers can avail home loans at either floating and fixed rate of interest with attractive and affordable EMI options. Apart from buying a new home or plot, the housing loan can be used for construction, expansion and renovation of home. These customized facilities of availing home loans have lead to the growth of the Indian realty sector. Moreover, with support from the government in terms of sector friendly laws, this sector has the ability to contribute to GDP growth. This growth substantially contribute to boom in India’s global economy. The immediate impact in the home loan sector can be seen in the rates of interest which are charged by different financial institutions, nationalised and multi-nationalised banks. Most of these banks and institutions are offering housing loans at competitive interest rates. Nowadays, standard interest rate in the market is 8 to 8.5% per annum for the time frame of five-year. The terms and conditions for housing loans differ from bank to bank. The realty segment of Indian economy is getting organised, since the last five years. It is being supported by housing finance sector. As a matter of fact, Reserve Bank of India has released a new credit policy which will cut deposit rates across the board on the home loan segment. The ICICI and Dena Bank for instance, have a cut in their interest rate by 20-25 basis points. This has helped the people to increase transparency levels and confident with the financing tools offered in this sector.