Union Budget 2025: What Women Homebuyers Can Expect From New Financial Plan

As we gear up for the Union Budget 2025, women homebuyers are expecting that this financial plan will recognise their participation in the growing economy. Over the years, the government has made several amendments to taxes which have somehow improved the financial opportunities for women, but there is more to go. With women taking control of their finances, we spoke to several experts to understand the expectations for women homebuyers from the upcoming budget. Gaurav Goel, Founder of Fynocrat Technologies, New Delhi and Viral Bhatt, Founder of Money Mantra, Mumbai shared their insights for women homebuyers.

Women Homebuyers Expectations From Union Budget 2025

With Budget 2025 around the corner, homebuyers, especially women, are eagerly anticipating incentives that make homeownership more accessible. Here are some of the expert-shared expectations from Union Budget 2025 for women homebuyers:

Higher Tax Reductions

Gaurav Goel, Founder of Fynocrat Technologies, New Delhi, said, “The government may introduce higher tax deductions on home loan interest, additional benefits under PMAY for women borrowers, and lower stamp duties to encourage female homeownership.”

Subsidy Schemes

“Given the focus on financial inclusion and women's empowerment, we might also see special subsidy schemes or reduced GST rates for affordable housing,” added Gaurav.

He highlighted that if these measures materialise, they could significantly boost women’s participation in real estate investment, making homeownership a more achievable dream. It would be a good idea if these measures could be incorporated in the upcoming budget from the women empowerment perspective.

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Reduced Stamp Duty Rates

Viral Bhatt, Founder of Money Mantra, Mumbai said, “To promote property ownership among women and support their financial empowerment, there is a suggestion to implement a 1% stamp duty reduction for female homebuyers. This initiative would lower the overall cost of property acquisition for women.”

Increased Tax Deduction On Home Loan Interest

Viral highlighted that to alleviate the financial burden on homebuyers, especially women, there is a proposal to raise the tax deduction limit on home loan interest payments from ₹2 lakh to ₹3 lakh. This move would particularly benefit middle-income groups and encourage investment in housing.

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