India is often dishonest with their data. Many politicians will lie to save face. But even if the numbers are “real”, it’s worth asking yourself what they are considering a home. Plenty of people live in scrap houses on land they don’t own, are they “homeowners” in this data. India has squatters rights, if they can’t be removed from someone else’s property they’ve lived in for decades are they “homeowners” in this data? If someone’s has a live in servant who has a separated house on their property, are they “homeowners”? My guess is that india is defining homeowners very loosely.