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Tax Benefits of Real Estate Investment For Women In India

February 3, 2023

It’s the Gen Z era, and women in this era are no longer confined to gold and FD investments. Real estate investments are becoming increasingly popular among Indian women. Tax benefits associated with real estate investment can make it a desirable option for female investors. Several tax incentives available to women in India can be taken advantage of when investing in real estate.


In a survey conducted by Anarock, 20% of women participating stated that 42% of women considered real estate as their preferred choice of investment, followed by 30% FD and 17% gold.

Though there are still stereotypical reactions in the industry when they see a woman approaching a real estate expert for investment options, usually, they make a standard statement about you being alone. You will be unable to comprehend the metrics and so on! But the world is changing, and women’s attitudes toward owning and investing in real estate are changing as well.

Suppose you are a woman looking for more information on the tax advantages of real estate investment or a couple looking to purchase a plot in the woman’s name. In that case, the following information will be helpful to you.

There are several types of tax benefits that real estate investment can offer for women:

1. Loan interest deduction

As a homeowner, you can deduct the interest you pay on your mortgage. Paying a sizable portion of your loan payment toward interest may be a substantial tax benefit.

The income Tax Act under Section 24(B) allows a tax deduction on home loan interest up to Rs. 2 lakhs. One may deduct up to Rs. 1.5 lakhs from the principal amount of an EMI under Section 80C of the Income Tax Act.

2. Property tax deduction

Property tax deductions for women are one such incentive that can help them save money and build wealth over time. Tax laws in India allow Women taxpayers to deduct any property taxes paid from their taxable income, which means women investors may be able to reduce their overall tax liability.

Depending on their state’s regulations, they may also qualify for additional deductions or credits relating to the purchase or ownership of property. Property taxes are determined based on the assessed value of a home or other real estate. The amount is typically set by local governments and is calculated as a percentage of the appraised value.

3. Capital gains exclusion

If you sell your real estate investment for a profit, you can exclude a portion of the gain from your taxable income. This deduction provides relief from capital gains taxes on profits made through the sale of a primary residence, provided the sale proceeds are reinvested into another property within two years or used to buy specific securities such as Bonds and Mutual Funds with specified lock-in periods.

Women who invest in residential properties using their funds will enjoy this deduction if they meet all the criteria set out by the government.

4. Depreciation

If you live in a rental property, you can claim a tax deduction for the wear and tear on the property through the use of depreciation. It can provide a tax benefit even if the property is not generating a positive cash flow.

It is important to note that the tax benefits of real estate investment for Women can vary depending on your individual circumstances and the specific type of property you own. Consider consulting with a tax professional or financial advisor to determine the potential tax benefits of real estate investment for your specific situation.

5. Stamp Duty

As a homeowner, you can deduct the interest you pay on your loan. It can be a significant tax benefit, particularly if you pay a significant portion of your housing loan towards interest. The stamp duty amount is formulated based on the location trending rates or the consideration rate, whichever is higher.

According to the Delhi government’s official website, the stamp duty rate for males is 6%, and for females is 4% if it is acquired by sale deed, conveyance, or gift deed.

The Income Tax Act, Section 24(B), allows for a tax exemption on home loan interest up to Rs. 2 lakhs. The Income Tax Act of section 80C allows the principal EMI amount may be deducted up to Rs. 1.5 lakhs

Investing under the guidance of a real estate developer

The whole process can be made simpler and quicker by having a real estate developer or other experts by your side. The real estate industry benefits from experts accessing all the most recent trends and legal updates. Therefore, whenever investing in any real estate property, always seek professional advice.

G Square Housing is South India’s largest and Tamil Nadu’s No. 1 real estate developer. We have successfully helped several customers invest flawlessly with clear title deeds and tax exemptions wherever possible. We can help you, too, from finding the right property for you to registering the property under your name. We also provide expert construction and interior guidance if required and spread across various cities like

We make dreams come true by providing plots per our customer’s desires.


When you register a property under a woman’s name, it is essential and highly advantageous to possess in-depth knowledge of tax benefits. These are the 5 different tax exemptions available to women in the real estate industry. Work with G Square Housing, the top real estate developer in South India, for professional advice and a simple registration process.

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