Indian society presents heterogeneity across two identities – that is, religion and caste – that lead to heterogenous economic outcomes, but affirmative action is mostly applicable to caste. Our empirical models affirm that economically less secure households have a higher homeownership propensity in India. Minority religions and backward castes also have a significantly higher propensity to own homes. This is in sharp contrast to findings in the US where minority households are associated with lower homeownership rates. Further, religious and caste-based identities in India lead to different household behaviours in differing demographic mixes. Religious identity in India is more salient than caste identity in explaining differing homeownership patterns.
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