Caste, Faith, Gender: Determinants of Homeownership in Urban India
Analyzing a large dataset of urban non-slum households, we find that homeownership tenure choice in India is significantly associated with gender, religion and caste. In particular, large households or those headed by women or with larger number of women are significantly more inclined towards homeownership than households of otherwise similar characteristics. Salaried households are the least and self-employed households the most likely to be homeowners. Compared to Hindus, Muslims show significantly lower while other minority religions (Sikhs, Buddhists and Jain combined) show significantly higher propensity towards homeownership after controlling for other factors. Castes which have been victims of discrimination show significantly higher propensity towards homeownership. The propensity towards homeownership in discriminated class households significantly increases when endowed with esteem or affluence.
KeywordsTenure choice India Caste Religion Gender Housing
JEL ClassificationR210 H8
Authors are thankful to the anonymous referee of the journal for constructive feedback. Authors are also thankful to the following persons for their inputs or support: Piyush Tiwari, Zoltan Sapi, Jeremy Isnard, Venkatesh Panchapagesan, Ashwini Deshpande, Madalasa Venkataraman, Vivek Sah, Debarpita Roy, Divyanshu Sharma, Vinod Singh, Minu Agarwal, Gabrielle Bodenmann, Linnea Granberg, Participants of the IIMB CPP Conference (Bangalore, 2013), Participants of the AREUEA International Conference in Alicante, Spain (2016).
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