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With inflation and market instability denting returns on physical gold, Indian investors are increasingly eyeing luxury real estate in Mumbai Metropolitan Region's (MMR) outskirts-particularly Kalyan, Ambernath, and Badlapur. These fast-developing zones are seeing 15-20% annual appreciation, outpacing gold's 6-8% average. Backed by metro expansions, road upgrades, and smart city projects, these localities offer better value, rental yields of 7-9%, and tax advantages. Developers like Tharwani Realty highlight ongoing projects that combine lifestyle amenities with high connectivity. As infrastructure-led growth drives demand, suburban luxury housing is emerging as a more profitable, stable, and strategic investment than traditional bullion.
Gold has long been regarded as a symbol of financial security in India. However, with rising inflation, unstable global markets, and diminishing returns on physical gold, investors are now diversifying their portfolios. Increasingly, luxury real estate in the well-connected outskirts of the Mumbai Metropolitan Region (MMR), especially beyond Thane, is becoming a sought-after asset for those seeking rental income, capital growth, and long-term financial stability. Advertisement
Suburban localities such as Kalyan, Ambernath, and Badlapur are experiencing a major transformation driven by infrastructure developments such as metro rail extensions, road-widening initiatives, and smart city upgrades. These enhancements are significantly boosting real estate values. Compared to the steep prices in Mumbai's Western suburbs, these areas are offering superior value per square foot, making them attractive to both homebuyers and investors.
Recent data suggests that while gold typically delivers annual returns of 6-8%, premium real estate in emerging MMR zones is clocking 15-20% annual appreciation in key pockets, along with rental yields of 7-9%. Demand from working professionals and families is driving occupancy, and when factoring in tax benefits such as interest deductions, depreciation claims, and long-term capital gains concessions, the real estate proposition becomes even stronger.
Abhishek Tharwani, Director at Tharwani Realty, remarked that both residential and commercial real estate are proving to be highly effective investment options. He pointed out that, in addition to the income benefits, tax incentives make this asset class a strategic element in any profitable portfolio. He indicated that current trends in property appreciation are outstripping those in the bullion market, reinforcing real estate's growing edge over traditional assets like gold.
Tharwani further highlighted that the luxury housing market in Kalyan, Ambernath, and Badlapur is mirroring this upward trajectory. These locations are offering promising returns, minimal tenant risk, and better yield outcomes compared to conventional avenues. The KDMC region, buoyed by accelerated infrastructure projects including metro links, improved roadways, and the proposed logistics hub, is fast becoming a key real estate corridor. These changes are paving the way for long-term value creation and better living standards.
He referred to ongoing developments such as Tharwani Majestic in Khadakpada, Kalyan, which offer metro connectivity and lifestyle-oriented amenities. He explained that such projects strike the right balance between connectivity, convenience, and comfort-enhancing daily life and living experiences for residents.
The rise of luxury real estate in MMR's expanding outskirts is signalling a shift in investment preferences. As Tharwani observed, this asset class now delivers the income and stability once associated solely with gold, offering a compelling mix of returns, tax advantages, and capital appreciation that is hard to ignore.
With infrastructure-led expansion redefining suburban Mumbai, luxury real estate is no longer just a lifestyle upgrade; it has become a strategic tool for wealth building. As opportunities deepen across emerging hubs like Kalyan and Ambernath, the region's transformation may not just rival but surpass gold in investor portfolios.
The views, opinions, and information expressed in this article are solely those of the author and do not necessarily reflect the views of Prop News Time. The content has not been independently verified or endorsed by Prop News Time. Readers are advised to exercise their own discretion and seek professional advice if required.
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