That is probably fine, as long as the investor can continue to service his or her debt. But it could cause real problems in the event that the debt can no longer be serviced - such as when interest rates rise sharply, or incomes fall.
Further, NASSCOM estimates that the educational system produces nine half-literate graduates for each graduate of passable quality, reflecting the low quality of education. However, despite discounting of the quality of education, when it comes to the number of engineers per million people, India has only 214 with South Korea having the highest number 1435.