The summit will also feature scientific sessions and market research presentations, highlighting the latest developments in real estate technology, urban planning, sustainable construction, and financing models. Expert panels will discuss pressing topics such as affordable housing, green building practices, blockchain in property transactions, and AI-driven property valuation. These sessions will not only provide theoretical knowledge but also present practical case studies and business models.

Scientific Session: Innovation & Technology in Real Estate Finance

Theme: Smart Solutions for Sustainable Growth

1. Digital Transformation in Real Estate

The real estate sector is experiencing a major shift driven by digital technologies such as Artificial Intelligence (AI), Big Data, and the Internet of Things (IoT). These tools allow developers and financiers to predict market trends, evaluate properties more accurately, and streamline operations. AI-powered chatbots assist in customer engagement, while IoT enables smart homes and connected buildings. Big Data analytics helps in tracking buyer behavior, price movements, and investment opportunities in real time. In India, where property investments are significant but often fragmented, digital transformation reduces inefficiencies and builds transparency, which is critical for both buyers and banks. By leveraging these technologies, builders gain a competitive advantage, banks streamline loan approvals, and buyers make well-informed decisions.

2. Blockchain & Tokenization

Blockchain technology is redefining trust in property transactions by ensuring transparency, security, and immutability of records. With blockchain-based registries, property ownership records can be stored permanently and securely, reducing fraud and disputes. Tokenization of assets allows fractional ownership, enabling smaller investors to participate in high-value real estate projects. This opens up new avenues for liquidity, as property tokens can be traded like stocks. For banks, tokenization creates new financial products, while buyers gain access to premium properties at lower entry costs. Countries like the US and Singapore have already tested tokenized real estate successfully, and India is preparing to adopt similar models. At this summit, experts will highlight how blockchain can revolutionize housing markets, attract global investors, and democratize property ownership in cities like Bhubaneswar.

3. Green & Smart Buildings

With the growing demand for sustainable living, the importance of green and smart buildings is more critical than ever. Builders are increasingly adopting eco-friendly materials, renewable energy solutions, and designs that minimize environmental impact. Smart buildings, equipped with IoT systems, optimize energy use, enhance security, and provide superior living comfort. Banks are supporting this movement by offering special “green loans” for eco-friendly projects, while buyers are showing strong preferences for sustainable housing. This scientific session will explore the latest innovations in green architecture, LEED certifications, and government policies that encourage eco-friendly construction. The goal is to showcase how sustainable projects can deliver long-term value to developers, financial institutions, and homeowners while also contributing to India’s climate goals.

Market Research Session 1: Real Estate Demand & Buyer Trends

Theme: Understanding the Modern Buyer

1. Shift in Buyer Demographics

The profile of the average homebuyer in India is changing rapidly. Millennials and young professionals are emerging as a significant buying force, thanks to rising incomes, access to digital tools, and changing lifestyle preferences. Unlike previous generations who viewed property primarily as an asset, younger buyers seek homes that match their modern lifestyle, including smart features, wellness facilities, and work-from-home compatibility. This session will present research on how developers must align their offerings with these evolving preferences. It will also show how banks and financial institutions can design flexible financing models, like lower EMIs or digital-first loan approvals, to meet the needs of young buyers. Understanding this demographic shift is critical for sustaining long-term demand in real estate.

2. Urban vs. Semi-Urban Growth

While metros like Mumbai and Delhi have traditionally dominated India’s real estate market, recent research indicates a major growth shift toward tier-2 and tier-3 cities such as Bhubaneswar, Indore, and Lucknow. These cities offer affordable housing, government-backed infrastructure projects, and a growing job market. Semi-urban regions also attract buyers seeking a balance between affordability and lifestyle. For builders, this trend provides opportunities to launch mid-income and affordable projects, while banks can expand their reach to new customer bases. This session will examine demand patterns in these emerging markets, highlighting why semi-urban growth will be a key driver of the real estate sector in the coming decade.

3. Affordable Housing & Government Policies

Government initiatives such as the Pradhan Mantri Awas Yojana (PMAY), Smart Cities Mission, and affordable housing schemes are reshaping demand dynamics. Buyers are showing more confidence due to subsidies, tax benefits, and regulatory protections under RERA. Builders are incentivized to develop affordable housing projects, while banks benefit from stable loan disbursements in this segment. This market research session will analyze how government-backed policies are not just improving buyer affordability but also creating steady pipelines of financing and development opportunities. The discussion will present real-world case studies of affordable housing projects in Odisha and similar states, demonstrating how policy frameworks directly influence demand.

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???? Market Research Session 2: Banking & Financial Trends in Real Estate

Theme: Capital Flow & Financing the Future

1. Housing Loan Market Insights

The housing loan market in India has grown substantially in recent years, driven by increasing homeownership aspirations and favorable banking reforms. In tier-2 and tier-3 cities, first-time buyers are a major segment fueling demand. Research shows that the share of retail home loans has risen steadily, supported by declining non-performing assets (NPAs) and stronger repayment capacity. This session will provide an in-depth analysis of loan market size, disbursement patterns, and opportunities for banks to create innovative loan products tailored for new buyers. Builders will gain insights into how financing availability impacts sales velocity, while buyers will learn about emerging loan opportunities.

2. New Financing Models

Traditional housing loans are being replaced by innovative models such as co-lending (banks partnering with fintech companies), buy-now-pay-later schemes for down payments, and flexible EMIs tied to a borrower’s income cycle. These models make home financing more inclusive, especially for young professionals and informal-sector workers. For builders, such models increase the number of eligible buyers, while banks benefit from shared risk with fintech partners. Market research shows that flexible financing can increase buyer conversions by up to 30%. This session will demonstrate how new financial innovations are creating a more dynamic real estate financing landscape.

3. Impact of Interest Rates & Policy

Real estate is highly sensitive to monetary policy. The Reserve Bank of India’s repo rate decisions directly affect housing loan affordability, project viability, and buyer sentiment. When interest rates rise, affordability decreases, slowing down transactions; when they fall, the market experiences a surge in demand. This session will analyze past policy impacts, current interest rate trends, and their implications for builders, buyers, and banks. It will also explore how stable policies and proactive government reforms can encourage long-term investments in real estate. The discussion will be supported by data from recent RBI reports and housing loan disbursement studies.