A Priority County, Reall has worked in India since 1992, in partnership with SSNS (SPARC Samudaya Nirman Sahayak), Syntellect, and Janaadhar.

In 2012, the Indian government estimated a housing shortage of more than 19 million homes, of which 95% were in the low-income category; this shortfall is projected to be 30 million by 2030. This escalating gap between demand and supply in the affordable housing segment forces people to live in slums and informal settlements.

SPARC and its construction arm SPARC Samudaya Nirman Sahayak (SSNS) is Reall’s longest-standing housing partner with collaboration dating back to 1993, resulting in the completion of over 7,000 homes and provision of public and private water and sanitation to over 150,000 households. Reall has provided funds to enable SSNS to utilise various government schemes to subsidise housing projects or recoup costs from the sale of Transferable Development Rights. A key aim of this work is to demonstrate to other developers that affordable housing projects can be commercially viable. Projects include slum upgrading, incremental home repair and upgrading, and construction of new apartment blocks and homes.

Reall’s 2019 collaboration with Syntellect supports scaling access to finance via its RightProfile platform, which helps banks and microfinance institutions assess creditworthiness for unbanked and underbanked populations in India and beyond. By improving risk assessment, the platform aligns with Reall’s broader strategy to make housing finance more accessible, and will link with existing projects such as GAHF which seek to unlock housing finance for low-income households, demonstrating the commercial viability of affordable mortgages across Asia.

Since partnering in 2019, Reall has supported Janaadhar across three initiatives that combine sustainable infrastructure, green construction, and scalable manufacturing. The Sanand project near Ahmedabad is delivering over 800 EDGE-certified one- and two-bedroom apartments featuring central community courtyards, inclusive universal design, solar power, rainwater harvesting, and gravity-fed sewage treatment. With support through the PMAY subsidy, these green and affordable homes are also more accessible to low income people . In Bengaluru, Reall funded ECOSTP DEWATS, a low-energy wastewater treatment system for an upcoming student housing development of over 300 units. Additionally, with support from Reall, Janaadhar’s InstaBuild Precast Factory launched in December 2021. The factory produces modular structural components, and has capacity to build approximately 800 affordable homes per year, offering a replicable and green option for affordable housing at scale

This combined approach, from SSNS’s community-driven builds to Janaadhar’s green, scalable developments and Syntellect’s finance innovation illustrates Reall’s ability to finance affordable, quality housing at scale in India.