What the Next Decade of Real Estate Investing in India Will Look Like

India’s real estate market is about to enter its biggest shift in 30 years, not because of a single regulation or economic event, but because the entire foundation of ownership is changing.

For decades, buying a home was the ultimate financial goal. Today, the math is breaking.

• Prices are rising faster than salaries
• Rent is cheaper than EMIs
• Mobility matters more than “settling down early”

And yet, real estate remains the most trusted wealth builder for Indians.

So the old model is fading, but the desire isn’t.

Here’s what the next decade will really look like: and where shared ownership fits in.

1. Homes are becoming harder to buy, even for dual-income families

Across metros, the price-to-income ratio has moved to a point where:

• A salaried couple often needs 17–25 years of income to buy a basic 2BHK
• Down payments are rising
• EMIs consume 45–70% of take-home

For the first time, the decision is shifting from “Where should I buy?” to “Should I buy at all right now?”

This doesn’t mean real estate is losing value. It means ownership is decoupling from residence.

2. The next wave is not residential, it’s commercial

Over the next 10 years, growth is expected to come from:

• Warehousing & logistics
• Grade-A offices
• Managed commercial spaces
• Data centres & specialised industrial parks

These categories offer what residential can’t: 8–10% yields, long leases, and business-driven demand cycles.

Add to that the massive Tier-2/Tier-3 rise: Indore, Kochi, Coimbatore, Lucknow: and India’s CRE story is only getting started.

3. Regulation is finally catching up

Three slow-moving but game-changing shifts:

• SM REITs → smaller-ticket, regulated ownership
• Title insurance → cleaner transactions
• Tokenisation pilots in GIFT City → digital, fractional, transparent ownership

Does this change the industry overnight? No. But it absolutely changes the next decade.

4. And the biggest shift: from owning one big asset to owning slices of many

For 30 years, Indians were told: “Buy one home. Build everything around it.”

But this meant taking a massive, undiversified bet on a single location.

Today’s investor behaves differently:

• Buys REIT units for ₹300–500
• Parks ₹25k–1 lakh into fractional slots
• Wants exposure to assets they’ll never live in
• Prefers liquidity and distributed risk

This is not speculation. It is the natural evolution of a generation that grew up with SIPs and digital-first investing.

5. Can shared ownership truly help the working class?

Surprisingly yes, in ways the old system never did.

For someone earning ₹40k–₹90k/month, full ownership is out of reach in top cities.

But owning ₹25k worth of a warehouse, office, or logistics asset is suddenly possible.

Shared ownership doesn’t solve affordability. It solves access.

It gives people a way to participate in wealth creation while they rent, save, or work toward a future home.

But it’s not perfect - and it’s important to say this openly.

6. The drawbacks most platforms don’t talk about

Shared ownership has risks:

• Liquidity isn’t guaranteed
• Governance quality varies by platform
• Regulation is still maturing
• Behavioural risk is real - people chase yields without understanding cycles

This model works best for someone who thinks long term and invests with discipline, not FOMO.

7. Where PropFTX fits into the next decade

We’re building a product for the investors who were historically left out - the working class, early earners, first-time real estate participants.

Our focus is simple:

• Grade-A assets only
• Deep due diligence + title protection
• Clean SPV structures
• Escrow-backed investor flows
• Clarity on exits
• And zero pressure to invest if someone isn’t financially ready

Because shared ownership should expand opportunity - not push people into risky commitments.

The Future of Ownership

The next decade isn’t about the end of homeownership. It’s about a new way to enter real estate.

A way where:

• You don’t wait 20 years to afford your first property
• You don’t put your entire life savings into one asset
• You build exposure early, gradually, intelligently
• Real estate isn’t an “all or nothing” decision

India’s working class deserves access to the same institutional-grade assets that HNIs have dominated for decades.

And the next decade is the first time that becomes possible.