This article delves into the multifaceted landscape of housing finance in India, covering a spectrum of key aspects: the historical evolution of the housing finance sector, current trends, and the driving factors behind its remarkable growth. The historical analysis takes us from a time of limited access and informal practices to a structured, competitive sector. Present trends encompass low-interest rates, digitalization, and government initiatives that have made housing finance more accessible and innovative. The driving factors shaping the sector include economic growth, urbanization, technology, and favorable policy frameworks. This holistic exploration provides valuable insights into the evolution, current state, and future prospects of housing finance in India.