Renting vs Buying in Indian Metros: Finfluencer’s Warning Sparks Heated Debate
The Viral Claim: Buying Homes in Metros is a “Worst Mistake”
For decades, owning a home has been seen as the ultimate dream for middle-class India. But in today’s reality of skyrocketing property prices and shrinking liveability in metros, that dream is under question.
Akshat Shrivastava, a financial advisor and founder of Wisdom Hatch, recently ignited a storm on social media when he declared that buying a property in Indian metros could be one of the “worst mistakes” people make.
He argued that:
- The real estate market is builder-controlled, keeping prices artificially high.
- Overdevelopment has led to crumbling infrastructure, making metros “unlivable.”
- Constant new projects make it difficult to resell properties.
Instead, Shrivastava advised people to “simply rent and live peacefully,” adding that only properties built to last 30 years or more are worth buying.
Social Media Divided: Renters vs Owners
The post went viral, sparking a fierce rent vs buy debate online.
Arguments Supporting Renting
Many agreed with Shrivastava, pointing out that rental yields are much lower than property prices in cities like Delhi-NCR, Mumbai, and Bengaluru.
“Metro flats are overpriced stress. Rent keeps you free and mobile — no EMIs, no chains.”
“Rent is not even 3% of property value. Better to invest the same money elsewhere for higher returns.”
Arguments Supporting Buying
Not everyone agreed. Several users defended buying, sharing how property ownership secured their financial future.
“The flat I bought 12 years ago is now worth 5x. It gave me 15% CAGR returns and peace of mind. Owning one home is a must.”
“I bought a 2BHK for ₹1 Cr in Pune. Today I earn ₹30,000 monthly rent — a 3.6% yield, plus huge appreciation.”
Buying a property in an Indian Metro is going to be one of your worst mistakes: ---
— Akshat Shrivastava (@Akshat_World) September 2, 2025
1) Entire market is builder controlled (so you buy very expensive)
2) Overdevelopment is causing infrastructure issues (so the cities are becoming unlivable)
3) With constant new developments,…
The Bigger Picture
This debate reflects India’s changing urban housing reality. While real estate remains a symbol of stability and pride, rising costs and strained infrastructure are forcing many young professionals to reconsider.
Renting offers flexibility and liquidity, while buying is still seen as a cornerstone of long-term wealth creation.
As India’s cities expand and transform, the rent vs buy question is becoming less about tradition and more about strategy. For now, one thing is clear — the conversation around housing in metros is only getting louder.
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