India’s affordable housing dream hits a luxury roadblock
Last Update Date: 05-10-2026
Published by India Today
Abhishek Kumar's role: Quoted
Abhishek Kumar said property prices in Tier 1 cities are outpacing salary growth. He cautioned that many buyers stretch EMIs well beyond 30-40% of take-home pay, and advised counting the full cost of buying and protecting retirement and emergency savings.
More of Abhishek's views on money management
The article examines why developers in India are favouring high-end projects even though the need for affordable homes remains large. It covers thin developer margins in budget housing, an unchanged ₹45 lakh price cap, stalled projects needing funds, and how salaried middle-class buyers are being squeezed.
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India’s affordable housing dream hits a luxury roadblock