Indians have been making their way to the UAE, particularly Dubai, for many years now. This migration trend, however, has evolved beyond just seeking improved living conditions. Today, high-net-worth Indian individuals (HNWIs) are increasingly investing in real estate, emphasizing a shift in priorities as they seek not just opportunities but also lifestyle enhancements in this vibrant emirate.

Growing Investment by Indian HNWIs

A recent analysis by Dubai Sotheby’s International Realty reveals that during the first half of 2025, Indian HNWIs emerged as the third-largest group of luxury property buyers in Dubai, trailing only behind citizens of the UK and the US. Another report from Knight Frank estimated that Indian investors expended approximately USD 44.6 million on real estate within the initial months of 2025, further highlighting this trend.

This influx is not solely attributed to wealthy individuals; property developers are also exploring extensive opportunities in major UAE cities. With a robust regulatory framework, a high demand for real estate from international buyers, and a disciplined banking infrastructure, the UAE has become an attractive destination for investment. Low default rates only add to its appeal, creating an environment conducive to nurturing high-net-worth projects.

Reasons Behind the Migration

One major factor attracting Indians to the UAE is the Golden Visa program. Launched in 2022, this program was expanded to include a broader array of professionals, such as healthcare workers and educators, thus catalyzing interest in Dubai real estate. The program has lowered investment thresholds and has extended family residency options. By 2025, it had evolved to allow eligible Indian nationals to secure a lifetime residency without requiring a property investment. Indians can now purchase properties worth AED 2 million (around ₹4.8 crore) to gain a renewable permit for five or ten years.

Another key attraction is the lifestyle and prestige tied to property ownership in the UAE. Dubai stands as one of the safest cities globally, marked by a high level of accountability from its authorities. With a heightened focus on higher education, residents have access to world-class educational institutions. Additionally, its strategic geographical location—just a four-hour flight from India and even closer to Europe—positions Dubai as a bustling economic hub.

Tax Benefits and Financial Opportunities

One of the most compelling aspects of investing in the UAE is its tax-friendly environment. The absence of an annual property tax has established it as one of the world’s most attractive real estate markets. While there is a 5% Value Added Tax on goods and services, the UAE levies no income tax on individuals, creating an ideal scenario for both local and foreign investors.

Furthermore, the UAE offers lucrative returns on investment (ROI) and rental yields. With its growing economy and robust infrastructure, investors can expect healthy returns on their property investments. The country’s well-governed environment, combined with its strategic location, continually supports trade and commerce through its bustling commercial ports and airports.

Rising demand for housing coupled with limited supply means rental options are in high demand. Consequently, many newcomers, who may find purchasing properties financially unviable, are inclined toward renting, which also ensures attractive rental yields for property owners.

Financing Real Estate in the UAE

The UAE’s financial institutions provide essential support for prospective investors, offering a variety of mortgage options. Even those earning a monthly salary of Dh15,000 to Dh20,000 find themselves eligible for financing. With mortgage rates below 4%, banks play a crucial role in meeting the soaring property demand, making real estate investment more accessible than ever.

This combination of financial support, favorable regulations, and a vibrant lifestyle continues to draw Indians to the UAE market. As the trend towards property investment among Indian HNWIs strengthens, the emirate remains a beacon of opportunity for those looking to invest abroad.