#Indiabulls Housing loan growth

[aayushpareek69]

Empowering Dreams: Housing Finance Companies in Jaipur

Jaipur, the Pink City of India, is not just famous for its rich history, vibrant culture, and magnificent architecture but is also emerging as a hub for real estate development. With the growing aspirations of its residents to own a home, the role of Housing Finance Companies in Jaipur has become increasingly significant. These financial institutions play a crucial role in turning the dream of home ownership into a reality for many Jaipurites.

The Growth of Real Estate in Jaipur:

Over the years, Jaipur has witnessed a significant surge in real estate activities. The city's strategic location, infrastructural development, and economic growth have led to an increased demand for residential properties. As the real estate market expands, so does the need for housing finance options. HFCs in Jaipur have stepped up to bridge the gap between aspiring homeowners and their dream abodes.

Key Players in Jaipur's Housing Finance Sector:

Several reputable  Housing Finance Companies in Jaipur have established a strong presence in Jaipur. These institutions offer a range of home loan products with competitive interest rates and flexible repayment options. Some of the key players in the housing finance sector in Jaipur include HDFC Limited, LIC Housing Finance, PNB Housing Finance, and Indiabulls Housing Finance, among others. These companies bring financial expertise and tailored solutions to cater to the diverse needs of Jaipur's residents.

Tailored Home Loan Solutions:

One of the noteworthy aspects of Housing Finance Companies in Jaipur is their commitment to providing customized home loan solutions. They understand the unique requirements of individuals and offer a variety of loan products to suit different financial profiles. Whether it's a first-time homebuyer or someone looking to invest in real estate, these HFCs strive to make the home buying process smoother and more accessible.

Competitive Interest Rates:

In a competitive market like Jaipur, HFCs offer home loans at attractive interest rates. The low-interest rates make homeownership more affordable and encourage potential buyers to take the plunge into the real estate market. The transparent lending practices of these companies contribute to building trust among customers, further fueling the growth of the housing finance sector in Jaipur.

Digital Transformation and Customer Convenience:

To keep pace with the digital era, Housing Finance Companies in Jaipur have embraced technology to enhance customer experience. Online application processes, digital documentation, and real-time updates on loan status have become standard offerings. This digital transformation not only makes the loan application process more convenient but also expedites the approval and disbursal procedures.

Conclusion:

The housing finance sector in Jaipur is a vital catalyst for the city's real estate boom. The presence of well-established Housing Finance Companies has empowered countless individuals to realize their dream of owning a home. As Jaipur continues to grow and evolve, these financial institutions play a pivotal role in shaping the city's skyline and contributing to the overall development of the Pink City. The collaborative efforts of residents, real estate developers, and Housing Finance Companies are turning the dream of a home in Jaipur into an achievable reality.Discover unparalleled options for loans and Credit Card tailored to your preferences with Arena Fincorp. As a leading digital lending platform in the Loan & Finance sector, we provide industry-best choices, allowing you to select loans that match your needs, determine your preferred interest rates, and set terms according to your preferences. Experience extraordinary – our cutting-edge technology ensures swift application processing, enabling customers to receive funds in their accounts in as little as 12 hours, with minimal documentation required .

[rrfinancial-blog]

"Unlocking Financial Potential: A Comprehensive Guide to Indiabulls NCDs"

In today's dynamic world of investments, securing a stable financial future is a priority for many. One intriguing avenue that has garnered considerable attention is the Non-Convertible Debentures (NCDs) offered by Indiabulls Housing Finance Limited. In this article, we'll take a deep dive into this investment option, which could be a valuable addition to your portfolio.

Company Overview

Indiabulls Housing Finance Limited, established in 2005, stands tall as one of India's largest housing finance companies. It proudly serves as the flagship entity of the Indiabulls Group, providing a wide array of services ranging from Home Loans and Home Renovation Loans to Rural Home Loans and Home Extension Loans.

As of September 30, 2022, the company boasts an extensive network of 164 branches across India, ensuring a nationwide presence for customer interaction and service. Moreover, the company employs a dedicated sales team of 2,200 professionals spread throughout its network.

Indiabulls Housing Finance Limited holds a robust long-term credit rating of "AA; Outlook Stable" from CRISIL and ICRA, along with a "AA; Outlook Negative" rating from CARE Ratings. Its non-convertible debentures and subordinated debt program have earned a "AA+; Outlook Stable" rating from Brickwork Ratings.

Indiabulls NCD Issue Details

Here's a quick overview of the essential details about the Indiabulls Housing Finance Limited NCD:

Issuer: Indiabulls Housing Finance Limited Tranche II Issue

Instrument: Secured Redeemable Non-Convertible Debentures (NCDs)

Issue Opens: Wednesday, September 6, 2023

Issue Closes: Wednesday, September 20, 2023

Issue Size: Rs. 100 Crore with an option to retain oversubscription up to Rs. 100 Crore, aggregating up to Rs. 200 Crore

Issue Price / Face Value: Rs. 1,000/- per NCD

Minimum Application: Rs. 10,000/- (10 NCD) and in multiples of Rs. 1,000/- (1 NCD) thereafter

Credit Rating: "CRISIL AA/Stable" by CRISIL Ratings Limited and "[ICRA] AA (Stable)" by ICRA Limited

Registrar: KFIN Technologies Limited

Listing: The NCDs are proposed to be listed on BSE

Category Allocation

The NCDs are distributed across four segments with specific allocations:

Category I - Institutional: 30%

Category II - Non-Institutional: 10%

Category III - HNI: 30%

Category IV - Retail: 30%

Conclusion

Indiabulls NCDs offer an enticing investment opportunity for both individuals and institutions alike. With a solid credit rating and a range of series to choose from, investors can tailor their investments to align with their financial objectives and risk tolerance. However, it's advisable to conduct thorough research and consult financial experts before making any investment decisions to ensure that these NCDs fit seamlessly into your overall investment strategy.

In an ever-evolving financial landscape, Indiabulls NCDs present a promising path towards financial security and growth. Consider exploring this opportunity to bolster your investment portfolio and work toward achieving your financial goals.

Source :- https://www.minds.com/newsfeed/1546089403120619539?referrer=rrfinance93

[india7d]

The Leading Business Loan Service Provider for Top Non-Banking Financial Companies (NBFCs)

"Elevate Your Business Success: The Premier Business Loan Service Provider for Top Non-Banking Financial Companies (NBFCs)" When it comes to business loans, Infosol Fintech has established itself as the preferred service provider for some of the most renowned Non-Banking Financial Companies (NBFCs) in India. With a strong reputation for delivering exceptional financial solutions, Infosol Fintech has formed strategic partnerships with leading NBFCs such as LIC Housing Finance, Mahindra & Mahindra Financial Services, Shriram Finance, Tata Capital Financial Services, L&T Finance, Indiabulls Housing Finance, Piramal Capital, Cholamandalam Investment and Finance Company Ltd, Muthoot Finance, PNB Housing Finance, Aditya Birla Finance, and HDB Financial Services. In this article, we will explore why Infosol Fintech is the best business loan service provider for these esteemed NBFCs.

LIC Housing Finance:

Infosol Fintech's association with LIC Housing Finance enables businesses to access customized loan solutions tailored to their specific requirements. With Infosol Fintech's efficient loan processing, competitive interest rates, and personalized customer service, businesses can secure the necessary funds for their growth and expansion plans.

Mahindra & Mahindra Financial Services:

Infosol Fintech has formed a strong partnership with Mahindra & Mahindra Financial Services to provide businesses with seamless access to business loans. Through this collaboration, businesses can benefit from streamlined loan processes, attractive interest rates, and customized loan structures, empowering them to meet their financial objectives.

Shriram Finance:

Shriram Finance and Infosol Fintech have joined forces to offer businesses hassle-free access to business loans. With their combined expertise, they provide businesses with quick loan approvals, flexible repayment options, and personalized support, ensuring a smooth borrowing experience.

Tata Capital Financial Services:

Tata Capital Financial Services and Infosol Fintech have formed a strategic alliance to cater to the financial needs of businesses. This partnership offers businesses a wide range of loan products, competitive interest rates, and convenient loan processing, enabling them to fulfill their financial requirements efficiently.

L&T Finance:

Infosol Fintech's collaboration with L&T Finance provides businesses with a comprehensive suite of business loan solutions. Through this partnership, businesses can access attractive interest rates, customized loan structures, and quick loan disbursals, empowering them to achieve their growth aspirations.

Indiabulls Housing Finance:

Infosol Fintech has established a strong association with Indiabulls Housing Finance to offer businesses streamlined access to business loans. Their collaborative efforts result in quick loan approvals, transparent loan terms, and personalized loan structures, ensuring businesses receive the financial support they need.

Piramal Capital:

Piramal Capital and Infosol Fintech have joined hands to provide businesses with efficient and reliable business loan solutions. By leveraging their expertise, they offer businesses competitive interest rates, flexible loan structures, and a simplified loan application process, empowering businesses to achieve their financial goals.

Cholamandalam Investment and Finance Company Ltd:

Cholamandalam Investment and Finance Company Ltd and Infosol Fintech have formed a strong alliance to offer businesses tailored loan solutions. Through this partnership, businesses can benefit from competitive interest rates, quick loan processing, and personalized customer support, enabling them to meet their financial needs effectively.

Muthoot Finance:

Infosol Fintech's collaboration with Muthoot Finance ensures that businesses have easy access to business loans. By combining Muthoot Finance's extensive network and Infosol Fintech's streamlined loan processes, businesses can obtain timely funds, competitive interest rates, and flexible repayment options.

PNB Housing Finance:

Infosol Fintech and PNB Housing Finance have joined forces to provide businesses with efficient and reliable loan solutions. This collaboration offers businesses competitive interest rates, personalized loan structures, and simplified loan application processes, ensuring businesses can access the funds they require smoothly.

Aditya Birla Finance:

Aditya Birla Finance and Infosol Fintech have formed a strong partnership to cater to the diverse financial needs of businesses. Through this collaboration, businesses can access customized loan products, competitive interest rates, and personalized customer service, empowering them to achieve their financial objectives.

HDB Financial Services:

HDB Financial Services and Infosol Fintech have joined hands to provide businesses with hassle-free access to business loans. Their collaborative efforts focus on delivering quick loan approvals, flexible loan structures, and competitive interest rates, ensuring businesses can secure the necessary funds for growth and expansion. Conclusion: Infosol Fintech has emerged as the leading business loan service provider for prominent Non-Banking Financial Companies (NBFCs) such as LIC Housing Finance, Mahindra & Mahindra Financial Services, Shriram Finance, Tata Capital Financial Services, L&T Finance, Indiabulls Housing Finance, Piramal Capital, Cholamandalam Investment and Finance Company Ltd, Muthoot Finance, PNB Housing Finance, Aditya Birla Finance Read the full article

[jffc-in-blog]

Indiabulls Housing rises on strong Q4 profit

https://wp.me/p9Hiic-bYu #IndiabullsHousingFinance, #IndiabullsHousingLoanGrowth, #IndiabullsHousingNetProfit, #IndiabullsHousingRetailLoans, #IndiabullsHousingSharePrice

[priceride2]

Best Home loan provider in Bangalore

Bangalore additionally referred to as Bengaluru, is the capital of the Indian nation of Karnataka. It is India's third-biggest metropolis.In recent years, Bangalore propelled to be the vanguard of the high-tech enterprise growth in India, and it presently ranks as India's maximum advanced metropolis and one of the worlds quickest developing city areas.  Home loans, additionally referred to as mortgages, use the debtors domestic for collateral. This domestic may be a single-own circle of relatives residence as much as a four-unit belongings, in addition to a cooperative unit. Lenders fund domestic loans, however each the creditors themselves and agents who act on behalf of the creditors originate, or method, them.

Eligibility for Home Loan in Bangalore

You’re probable eligible for a Home Loan in Bangalore in case you are:

 At least 21 years antique and much less than sixty five years antique

Salaried or Self-hired

Earn greater than the minimum earnings required

Best Home loan provider in Bangalore - aagey.com

What are the elements that determine my domestic mortgage quantity eligibility?

Home mortgage creditors take different factors into attention earlier than approving your private home mortgage. The banks and NBFCs make certain that the Equated Monthly Instalments is restrained to approximately 50% of the month-to-month earnings. Usually, the mortgage accredited to you is capped at 75% - 85% of the belongings value. While computing your private home mortgage quantity eligibility, the EMIs of different ongoing loans if any also are taken into account.

How do I enhance my eligible domestic mortgage quantity?

One of the methods you may growth your eligible domestic mortgage quantity of  Identity

Voter ID Card

Aadhaar Card

Valid Driving License

Valid Passport

Proof of Income For salaried candidates:

Salary slips for the final 3 months

Income Tax Returns or Form 16

For self-hired candidates:

Income Tax Returns in conjunction with the computation of earnings for the final 3 evaluation years

CA certified/audited stability sheet and earnings and loss account for the final 3 years

Other Documents

Processing price cheque

Bank statements displaying reimbursement of ongoing loans if any for the final six months

Passport length photos of all of the candidates/co-candidates affixed at the utility shape and signed across

Top Banks for Home Loans in Bangalore

ICICI Bank

Karnataka Bank

LIC Housing Finance Limited

State Bank of India

Kotak Mahindra Bank

HDFC Ltd. Bank

Indiabulls Housing Finance

Axis Bank

Aditya Birla Capital

Types of Home Loans supplied in Bangalore

Banks and NBFCs provide a big selection of domestic mortgage merchandise to pick out from. Depending on the clients’ necessities and purpose, domestic loans in Bangalore may be categorized into the subsequent types.

 Home Loan for Purchase of a New/Pre-owned Property: This mortgage is one in all maximum availed kind of domestic mortgage in Bangalore. The mortgage is maximum appropriate for debtors seeking to buy a brand new residence/flat or buy of an already owned belongings. The hobby charges related to those domestic loans can both be constant or floating. Most banks additionally disburse as much as 85% of the overall price of the belongings.

Home Loan for Construction of a Property: These domestic loans are supplied to potential clients who're seeking to assemble a residence in place of shopping an already built belongings. However, the banks may even take the price of the plot into attention throughout the method of mortgage approval in this case.

[techminsolutions]

Indiabulls Housing Fin posts 3.3% rise in Q1 net profit to Rs 282 cr

Indiabulls Housing Fin posts 3.3% rise in Q1 net profit to Rs 282 cr

Mortgage financier Indiabulls Housing Finance on Thursday reported a marginal 3.3 per cent growth in its profit after tax at Rs 282 crore for the first quarter ended June 30, helped by a lower cost of funds. The lender had reported a profit after tax of Rs 273 crore in the year-ago quarter. Despite loan book coming down, our profitability has remained same, which tells that the company has…

[acreshomeindia]

One of the rapidly growing real estate development companies is the RLF Group. We have an immaculate track record of having financial prudence and sustainable growth. Also, We focus on a city-centric development portfolio serving an independent lifestyle opportunity. Coupled with excellence and expertise, Acres Home, through RLF group presents to you ‘The Park’ having thoughtfully designed homes or flats for sale in Bhiwadi.

Most importantly, ‘The Park’ puts forth magnificent views of the outside world bundled with an exceptional spectrum. In addition to world-class amenities and luxuries through its ready to move flats in Bhiwadi. We provide homes where modern architecture seamlessly converges into the natural landscape. Besides that, Filled with state-of-art lifestyle features, panoramic views, and a wide array of amenities, this development is there to gratify your life with excellence.

At ‘The Park’, you can book your dream dwelling with a booking amount of just 1 Lac. Therefore, embark on your journey to a happy and independent lifestyle. With 2BHK independent floors starting from 25 Lacs, you can now avail of the tastes of luxurious living in without overburdening your pockets. Not only this, you can avail of subsidy benefits up to 2.67 Lacs under the Pradhan Mantri Awas Yojana.

The Park campus is precisely designed and landscaped to bestow you with the magnificence of nature and the dynamicity of modern living. So, The perfect amalgamation of modernity and natural proximity awaits you at ‘The Park’.

Independent Flats For Sale In Bhiwadi (Rajasthan)

With a beautifully designed entrance to wow the eyes when you get in. Also, you get peaceful surroundings in one of the finest affordable housing projects in Bhiwadi to build and retain the solitude in your lives. Away from the chaos of the world, your mind finds a place to call home and dwell in the lap to find inner peace. Most importantly, we have exactly what you have been finding. So, come to acres home as we have the best flats for sale in Bhiwadi.

Flats For Sale In Bhiwadi

Amidst the city, yet far from the chaos and hustle, The Park is situated just in the right location to connect and separate you from everything. With plenty of features to boast, this project has a commercial plaza, swimming pool, shuttle services, 24 hours water supply, 100% power backup, a 3-tier security system, and more to serve you with everything you would require to lead a peaceful and luxurious living. The list does not end here, you can avail of exceptional loan facilities from ICICI Bank, DHFL, and Indiabulls if you make your mind.

Being an innovative real estate developer, we are strongly committed to developing environmentally sensitive yet urban communities for the modern citizen through our affordable housing projects in Bhiwadi. Located in Sector 54, Bhiwadi, Delhi NCR, The Park is RERA Approved and promises to serve an experience of forever. With floor plans of 2BHK at an area of 125 square yards and 3BHK at 170 square yards, every floor plan is unbeatable and serves the finest experience to you. For more visit : http://www.acreshome.in/flats-for-sale-in-bhiwadi/

[techsciresearch]

India Home Loan Market to Witness 22% CAGR through 2026 – TechSci Research

Increasing population and government push towards affordable housing to drive India home loan market during forecast period

According to TechSci Research report, “India Home Loan Market By Customer Type, By Loan Type, By Type, By Source, By Bank Type, By Interest Rate, By Tenure, By Area of Property, By Mode of Purchase, By Customer Profile, By Region, Competition, Forecast & Opportunities, 2026”, home loan market in India is projected to grow at a CAGR of more than 22% through 2026 on account of increasing population, rising urbanization and affordable mortgage rates. Generally, people seek home loan for extension, renovation, repair or buying a house. Moreover, owing to growing employment opportunities in tier 1 cities, more and more people are shifting to these cities, which is anticipated to drive India home loan market through 2026.

Browse 45 market data Figures spread through 75 Pages and an in-depth TOC on  "India Home Loan Market"

https://www.techsciresearch.com/report/india-home-loan-market/4237.html

 In India, bank and housing finance companies (HFCs) are the preferred sources for home loan. Banks dominated the market in 2020 and the trend is likely to continue in the forthcoming years as well. This is due to the fact that banks offer attractive interest rates. By Region, India home loan market is segmented into North, South, West, and East. North region accounted for the largest market share in 2020 and the East region is foreseen to witness fastest CAGR during the forecast period.

In terms of Mode of Purchase, the market is categorized into sales executive, online, direct-walk in, third party administrators, and others. The sales executive segment accounts for the largest market share in India home loan market. In terms of interest rates, market can be bifurcated into fixed rate and floating rate. Floating interest rate is the preferred choice by majority of the customers as floating interest rate loans generally offer lower interest rates than fixed interest rate loan. Majority of the demand for home loan comes from salaried customers. By Type, the market is bifurcated into housing loan, and non-housing loan. Housing loan accounted the largest market share in 2020 and the segment is anticipated to dominate during the forecast years as well.

Download Sample Report @ https://www.techsciresearch.com/sample-report.aspx?cid=4237

Customers can also request for 10% free customization on this report.

Major players operating in India home loan market include SBI Home Loans, PNB Housing Finance, HDFC Housing Finance, LIC Housing Finance, L& T Housing Finance, Indiabulls Housing Finance, DHFL, ICICI Housing Finance, Aadhar Housing Finance Ltd., Edelweiss Housing Finance Ltd, Can Fin, among others.  “Rising government focus towards housing for all under Pradhan Mantri Awas Yojana and income tax rebate for interest repayment are driving the home loan market in India. Moreover, low interest rate scenario in India along with increasing urbanization would further steer growth in India home loan market during forecast period.” said Mr. Karan Chechi, Research Director with TechSci Research, a research based global management consulting firm.

“India Home Loan Market By Customer Type, By Loan Type, By Type, By Source, By Bank Type, By Interest Rate, By Tenure, By Area of Property, By Mode of Purchase, By Customer Profile, By Region, Competition, Forecast & Opportunities, 2026” has analyzed the potential of home loan market across the country, and provides statistics and information on market sizes, shares and trends. The report will suffice in providing the intending clients with cutting-edge market intelligence and help them in taking sound investment decisions. Besides, the report also identifies and analyzes emerging trends along with essential drivers and key challenges faced by India home loan market.

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[alicefelldowntheh0le]

The Estate Sector

Boom & Bust of Indian Realty Sector Engulfing the period of stagnation, the evolution from Parc Canberra sector has been phenomenal, impelled by, maturing economy, conducive demographics and liberalized foreign direct investment decision regime. However , now this unceasing phenomenon of real estate investment sector has started to exhibit the signs of contraction. What can be the reasons of such a trend in this industry and what future course it will take? This article tries to search out answers to these questions... Overview of Indian real estate community Since 2004-05 Indian reality sector has tremendous development. Registering a growth rate of, 35 per cent the real estate sector is estimated to be worth US$ 15 thousand and anticipated to grow at the rate of 30 per cent annually over the next decade, attracting foreign investments worthwhile US$ 30 billion, with a number of IT parks and even residential townships being constructed across-India. The term real estate handles residential housing, commercial offices and trading spaces that include theaters, hotels and restaurants, retail outlets, industrial buildings for instance factories and government buildings. Real estate involves purchase selling and development of land, residential and nonresidential properties. The activities of real estate sector embrace the hosing not to mention construction sector also. The sector accounts for major way to employment generation in the country, being the second largest employer, together with agriculture. The sector has backward and forward linkages with in relation to 250 ancilary industries such as cement, brick, steel, making material etc . Therefore a unit increase in investment decision of this sector have multiplier effect and capacity to produce income as high as five times. All-round emergence In home sector major component comprises of housing which accounts for 80% and is growing at the rate of 35%. Remainder are made up of commercial segments office, shopping malls, hotels and hospitals. o Housing units: With the Indian economy surging at the fee of 9 % accompanied by rising incomes levels of mid class, growing nuclear families, low interest rates, modern approach when it comes to homeownership and change in the attitude of young doing the job class in terms of from save and buy to buy and recompense having contributed towards soaring housing demand. Earlier fee of houses used to be in multiple of nearly 20 times the annual income of the buyers, whereas in these days multiple is less than 4. 5 times. According to 11th five year plan, the housing shortage on 2007 was 24. 71 million and total requirement of home during (2007-2012) will be 26. 53 million. The total fill requirement in the urban housing sector for 11th all 5 year plan is estimated to be Rs 361318 crores. The summary of investment requirements for XI arrange is indicated in following table SCENARIO Investment demand Housing shortage at the beginning of the XI plan period 147195. 0 New additions to the housing stock during the XI plan period including the additional housing shortage during the prepare period 214123. 1 Total housing requirement for the plan stage 361318. 1 o Office premises: rapid growth about Indian economy, simultaneously also have deluging effect on the demand from customers of commercial property to help to meet the needs of enterprise. Growth in commercial office space requirement is led by your burgeoning outsourcing and information technology (IT) industry and placed retail. For example , IT and ITES alone is thought to require 150 million sqft across urban India by 2010. Similarly, the organised retail industry will probably require an additional 220 million sqft by 2010. u Shopping malls: over the past ten years urbanization has upsurge at the CAGR of 2%. With the growth of service sector which includes not only pushed up the disposable incomes of urban public but has also become more brand conscious. If we pass numbers Indian retail industry is estimated to be with regards to US $ 350 bn and forecast to be dual by 2015. Thus rosining income levels and shifting perception towards branded goods will lead to higher marketplace demand for shopping mall space, encompassing strong growth prospects for mall development activities. o Multiplexes: another growth car owner for real-estate sector is growing demand for multiplexes. The actual growth can be witnessed due to following factors: 1 . Multiplexes comprises of 250-400 seats per screen as against 800-1000 seats in a single screen theater, which give multiplex users additional advantage, enabling them to optimize capacity utilization. second . Apart from these non-ticket revenues like food and cocktails and the leasing of excess space to retailer presents excess revenues to theatre developers. o Hotels/Resorts: while already mentioned above that rising major boom in property sector is due to rising incomes of middle class. For this reason with increase in income propensity to spend part of most of the income on tours and travels is also going up, which often leads to higher demand for hotels and resorts across the country. Apart from this India is also emerging as major place for global tourism in India which is pushing up the demand hotels/resorts. Path set by the government The field gained momentum after going through a decade of stagnation caused by initiatives taken by Indian government. The government has invented many progressive reform measures to unveil the future of the sector and also to meet increasing demand levels. a 100% FDI permitted in all reality projects through mechanical route. o In case of integrated townships, the minimum place to be developed has been brought down to 25 acres as a result of 100 acres. o Urban land ceiling and laws act has been abolished by large number of states. o Law of special economic zones act. o Full repatriation of original investment after 3 years. o 51% FDI allowed in single brand retail outlets and 100 % in cash and carry through the automatic route. Right now there fore all the above factors can be attributed towards this type of phenomenal growth of this sector. With significant growing and also investment opportunities emerging in this industry, Indian reality segment turned out to be a potential goldmine for many international investors. At this time, foreign direct investment (FDI) inflows into the sector happen to be estimated to be between US$ 5 billion and US$ 5. 50 billion. Top most real estate investors from the foray Investors profile The two most active segments are actually high networth individuals and financial institutions. Both these sectors are particularly active in commercial real estate. While banking institutions like HDFC and ICICI show high preference to get commercial investment, the high net worth individuals reveal interest in investing in residential as well as commercial properties. Apart from all these, the third most important category is NRI ( nonresident Indians). They mostly invest in residential properties than commercial components. Emotional attachment to native land could be reasons for his or her investment. And moreover the necessary documentation and formalities designed for purchasing immovable properties except agricultural and plantation real estate are quite simple. Therefore NRI's are showing greater fascination for investing in Indian reality sector. MAJOR INVESTORS to Emmar properties, of Dubai one of the largest listed housing developer in the world has tied up with Delhi based MGF developments to for largest FDI investment in Of india reality sector for mall and other facilities in Gurgaon. o Dlf India's leading real estate developer and BRITAIN 's famous Laing O Rourke (LOR) has attached hands for participation in airport modernization and national infrastructure projects. o A huge investment was made by Vancouver based upon Royal Indian raj international cooperation in a single real estate venture named royal garden city in Bangalore over amount of 10 years. The retail value of project was believed to be around $ 8. 9 billion. o Indiabulls real estate development has entered into agreement with dev property development, a company incorporated in Isle of Fella, whereby dev got subscription to new shares as well as minority shareholding the company. But in recent developments indiabulls contain acquired entire stake in dev property development from a 138 million-pound sterling (10. 9 billion ruppees) share-swap deal. o Apart from this real estate developments opens away opportunity for associated fields like home loans and insurance. Plenty of global have shown interest in this sector. This include vendors like Cesma International from Singapore, American International Staff Inc (AIG), High Point Rendel of the UK, Nest Capital and Brack Capital of the US, and Shelter Kim Tah Holdings to name a few. Following are details of some of the companies who have invested in India International creator Country Investment (US $ million) Emmar properties Dubai 500 Ascendas Singapore 350 Salem & ciputra team Indonesia 350 GE commercial finance U. S 63 Tishman Speyer Properties U. S 300 Simultaneously a large number of Indian retailers are entering into international markets through substantial investments in foreign markets. o Embassy group possesses signed a deal with Serbian government to construct US dollar 600 million IT park in Serbia. o Parsvanath developers is doing a project in Al - Hasan group in Oman o Puravankara developers are related to project in Srilanka- a high end residential complex, composed of 100 villas. o Ansals API tied up with Malaysia's UEM group to form a joint venture company, Ansal-API UEM contracts pvt ltd, which plans to bid regarding government contracts in Malaysia. o Kolkata's south place project is working on two projects in Dubai. Within the eve of liberalization as India opens up advertise to foreign players there is tend to be competitive edge to present quality based performance for costumer satisfaction which will therefore bring in quality technology and transparency in the sector plus ultimate winners are buyers of this situation. However this unique never ending growth phase of reality sector has been very hard hit by the global scenario from the beginning of 2008. Analyst say situation will prevail in near future, and most recently released buzz for the sector comes as a "slowdown". Sliding step of the reality sector In this present scenario of world-wide slowdown, where stock markets are plunging, interest rates as well as prices are mounting, the aftermath of this can now equally be felt on Indian real estate sector. Overall slowdown in demand can be witnessed all across India which is causing issues for the major industry players. Correcting property prices and rentals are eroding away the market capitalization of many placed companies like dlf and unitech. Fundaments behind slowdown... Propetry prices move because of the basic principle of call for and supply o when demand is high and supply very low prices will go up o When demand is affordable and supply high prices will go down. For example let's suppose that somebody has bought a property for Rs Times and he is trying to sell the property (say after a year), there can be three options, assumption being that the owner is in demand of money and cannot wait for more than 3 months selling the property. 1 . When the property prices are gliding almost everywhere: now owner will try to add as much premium to the residence as possible, in order to book profits, therefore he will wait for three months and sell off in last month at the finest bid. Where he ill get total of Rs X + Rs Y. 2 . When property rates have stabilized: here owner will not be able to sell within premium and book profits due to market stabilization & since he don't want to sell at a loss, he will make sure to get same amount he brought the property for. Whereby he'll get total of Rs X = Rs Y 3. when property prices are going down: operator will try to sell the property at least profit or least price tag. Therefore he ill get Rs X-RsY. Reality discounts in major cities like Delhi, Mumbai, Bangalore, Chennai and Hyderabad have shown enormous downfall from October 2007 - March 2008. The downfall had been cushioned by just fall in stock markets as it put a stop intended for wealth creation, which leads to shortage of capital within investors to invest in real estate activities. Apart from this in order to counteract their share losses many investors have no choice, and yet sell their real estate properties. Other factors which have contributed for this slowdown are raising interest rates leading to higher costs. Therefore almost all the developers are facing serious liquidity recession and facing difficulties in completing their ongoing ventures. Situation seems to be so disastrous that most of the companies experience reported 50-70% cash shortfall. The grade A makers which are facing cash crunch include DLF, MGF, Emmar, Shobha developers, Unitech, Omaxe, Parsvnath Developers, Hiranandani Team, Ansal API, BPTP Developers and TDI Group. In the form of outcome of this liquidity crunch many developers have begun slowing down or even stopped construction of projects which are sometimes in their initial stages of development or which would not even effect their bottom line in near future. Also with boosting input costs of steel iron and building information it has become it has become inviable for builders to develop properties at agreed prices. As a result there may be delays during completion of the project leading finical constraints. At the same time THE SOFTWARE industry which accounts for 70% of the total commercial is certainly facing a slowdown. Many residential buyers are awaiting price correction before buying any property, which can impression development plans of the builder. Aftermath of reality great shock to other sectors Cement industry hit by real truth slowdown The turbulence in the real estate sectors is death on pains in cement industry also. It is staying projected that growth rate of cement industry will probably drop down to 10% in current fiscal. The reasons lurking behind such a contingency are higher input costs, low markets valuations and scaled up capacity which are in turn ending in reduced demand in the industry. High inflation and mounting loan rates have slowed down the growth flight of real estate property sector which accounts for 60% of the total cement request. The major expansion plans announced by major sectors will further add to their misery as low current market demand will significantly reduced their capacity utilization. Starting new facilities will impart additional capacities of thirty four million tone and 45 million tone respectively throughout 2008-09 & 2009-10. This is likely to bring down capacity utilization in the industry down from current 101% to 82%. Whilst simultaneously it loses power to dictate prices, increased cost connected with power, fuel and freight will add pressure regarding input costs. Ambuja Cements too is trading at the higher discount than previous down cycle, suggesting backside valuations. However , replacement valuations for Madras Cements together with India Cements indicate scope for further downslide when comparing their previous down cycle valuations. All this has included to stagnation of the cement industry. Dying reality advertising The heat of reality ebb is also being felt by the endorsing industry. It is being estimated that all major developers which includes DLF, omaxe, ansals & parsvnath have decided to lower their advertising budget by around 5%. The selling industry in India is estimated to be around 10, 000 crore. This trend can be witnessed due to deterioration spirits of potential buyers and real estate companies call the software a reality check on their advertising budgets. A report from Adex India, a division of TAM Media Research, demonstrates that the share of real estate advertisements in print media discovered a drop of 2 percent during 2007 when compared with 2006. According to Adex, the share of real estate advertising campaign in overall print and TV advertising last year was basically 4 percent and 1 percent, respectively. It's a recognized fact that infrastructure and real estate companies are responsible for advertising market place maintaing double didgit growth rate. Therefore its recognized that a recent slowdown in iindian reality sector features made things worse for advertising industry. The Adex article indicates that the top 10 advertisers shared an aggregate for 16 percent of overall ad volumes of properties advertising in print during 2007. The list include titles such as DLF Group, Parsvnath, Sahara, HDIL and Omaxe group. However , the real estate had maximum share through South India publications followed by North and West magazines with 32% and 26% share, respectively, during 2007. According to many advertising agencies consultants, this phenomenon is without a doubt taking a toll as all real estate companies want the national foot print and also these companies are turning into individuals. Therefore they are setting standards when it comes to advertising to product sales ratio. Falling stock markets knock down reality stock option Reality stocks have been hard hit by uncertainties prevailing in the stock market. The BSE reality index is the most severe performer having shed 51% of its 52-week high reached in reality. The BSE benchmark index has garage 24% since January. The country's largest real estate organisation DLF scrip lost 54% while unitech lost 64% from its peak. The scrips of Delhi bottoms parsvnath and omaxe have lost 68% each because January. The sector is facing a major downfall on sales volume in most markets of the country. The speculators have exit the market and Mumbai and NCR, the real estate markets in markets are cladding subdued sales. On Gurgaon and Noida, which had seen prices essentially treble in four years, sales are down 70%, leading to a price correction of 10-20%. Lets us have a look ways major cities are affected by reality downfall. Top 4 metros taking the lead - in slowdown Delhi &NCR While bears are ruling the stock market, the real residence sector in Delhi & NCR region has began facing departure of speculative investors from the market. In accordance with these developers based in region the selling of residences has become very complicated at the launch stage due to deficit of interest from the speculators. Developers attribute this to firmness in prices against the past where prices were " up " surging on monthly basis. The scenario has transformed so much in the present year that developers are now facing issues in booking flats which may delay their projects and additionally reduce their pricing power for instance a year ago, should 100 flats were being sold in month at roll-out stage now it has come down 30-40 per month. Till middle of the 2007 speculators made quick money by booking a number of flats at launch of the project and exiting with few weeks or months. But now due to the stabilization of your property prices little scope is left for investors to make money in short term. Therefore outcome is their seek refuge from the sector. Mumbai Mumbai real estate market, which witnessed surge in prices in recent years, which made the city to input the league of world's most expensive cities, is now experience the heat of slowdown. Property sales that have been growing from a clank of around 20% every year have been plumped by simply 17% in 2007-08. Though slowdown news of real estate market in country's financial capital has been much outlined, but it was first time that figures proved the length of slowdown. Information about residential and commercial property sales and profits from the stamp duty registration office show almost 12, 000 fewer transactions during the last financial year compared to the time before. From April 2007 to March 2008, sixty two, 595 flats were purchased in Mumbai as to protect against 74, 555 in 2006-07. According to reality analyst revenues volume can die out further in south because developers persist on holding to their steep prices in addition to buyers anticipate a further fall with current rates outside of reach. They further add that market is about the corrective mode and downward trend is anticipated for the purpose of another 12 months. Between 1992-96, the market ran in the same way it did during 2003-07. Post-'96, the quantities of prints dropped by 50%. This time again it is expected to decline substantially though not so steeply. The demand is now highly sluggish and customers do not want to stick out their necks and transact at prevailing rates. Chennai in history few years we witnessed reality index gaining huge height on BSE and it also impact could be felt allover Indian. Amongst them Chennai was no exception. With IT increase in past few years and pumping of money through NRI's have led to prices touching skies. Chennai even witnessed a huge boom property prices over the last few years. Playing with past few months it has been facing slowdown in growth quote. Following factors can be attributed to this: o This is the common factor prevailing all over India- rise in home loans interest rates, which has made it extremely difficult for a normal salaried person to be able to afford a house. o Depreciation of US greenback, which means NRI's who were earlier pumping money into the realty are now able to get less number of rupees per dollar individuals earn in US. Therefore many of them have altered the plans for buying house in India. o Typically the Chennai Metropolitan Development Authority (CMDA) has imposed stricter norms for apartment construction and penalties for infractions are more severe than before. o Failure of the legalised system of chennai to prevent intrusion, forged documents along with illegal construction has added to the problem as many NRI'S will be hesitating to buy plots in chennai. o Apart from the tsunami of 2004 has shaken the confidence for many investors to invest in real estate. However many analyst are quite bullish about this region. Especially in areas like old mahabalipuram, south Chennai etc because of numerous IT/ITES/ electronics/automobile suppliers are expected to set up their centers in these areas. After these projects are complete and companies begin experditions their, many people would like to live near to such areas and even outcome will be boom in residential sector. Bangalore Because discussed for above cities Bangalore is also dwindling within similar scenarios. Bangalore seems to be in midst of minimal demand and supply. This trend is due to myopic developers, on account of sudden growth in Bangalore in last few years, wide range of builders have caught the opportunity of building residential houses thinking about their will be lot of employment, increase in salaries so because of this demand for housing. Past few years have been jovial pertaining to Bangalore as IT industry was doing well and banking not to mention retail sectors were expanding. However with this sudden market slowdown, due to which Indian stocks markets are shaking, interest rates are high, jobs and recruitment put on frost nova have led to cessation of investment in local building markets. According to the developers real-estate industry of Bangalore seems to have experienced a drop of about 15- 20% in contract volumes. Adding to it grade A developers have faced head on a dropdown of 50% on monthly levels of purchasing compared to what they enjoyed in December 2007. Foreseeable future outlook The real estate explosion in Indian real estate is because by the burgeoning IT and BPO industries. The primary reason for all these moves is that the Indian real estate will be tremendously attractive, because of basic demographics and a supply general shortage. Truly Indian real estate is having a dream run just for last five years. However in the current scenario Indian real estate market is going through a phase of correction in prices and also there are exaggerated possibilities that these increased prices are likely to gone down. In this scenario hat will be the future course of this market? Many analyst are of view that tightening in India's monetary policy, falling demand and growing liquidity concerns could have negative impact on profiles of real estate providers. Slowing down would also aid in the process of exit regarding some of the weaker entities from the market and increasing the strength of some of the established developers. A prolonged slowdown could also reduce the passion of private equity. Its also been projected that substantial development plans and aggressive land purchases have took a considerable increase in the financial leverage (debt/EBITDA) of most administrators, with the smaller players now being exposed to liquidity challenges for project execution as well as a general slowdown in place sales. Property developers hit by falling sales plus liquidity issues would need to reduce list prices to enhance interest, but many still seem to be holding on to the asking price - which, would delay the process of recovering demand as well as increase the risk of liquidity pressures. It was being considered that before the slowdown phase the projects were on the market without any hook at an extravagant rate. But today negative impact is highly visible as lot of advanced projects are still lying unsold. In such a scenario, there may be benefit in disguise as high profile speculators will be out building way for the actual users. But here also sector fronts trouble as correction in prices has been accompanied by strengthen in home loan rates by the banks which have led to erosion of purchasing power of middle and upper middle style majority of whom are covered in the category of end users or perhaps actual users. Therefore for future of real estate area analyst call for a wait and watch method to grab the best occasion with the hope of reduction in loan rates.

[ericfruits]

It has been a torrid week for Indian banks

BUSINESS DAYS now begin in India with a scan of the headlines and then a click to check on the shares of Yes Bank, the country’s fourth-largest private bank. They peaked at 394 rupees ($5.64) in August 2018, and have staggered downwards ever since. On October 1st they hit 32 rupees after a 23% drop on the day, before rising by 23% on October 3rd as The Economist went to press.

Yes is not alone in its troubles. The shares of Indiabulls Housing Finance, the second-largest home lender—and, not coincidentally, a big borrower from Yes—have also plummeted. Late last month the Reserve Bank of India (RBI), the central bank, suddenly capped withdrawals from a small lender, Punjab and Maharashtra Co-operative Bank. That brought into the open what a police investigation now alleges was a vast lending fraud. Rumours of similar issues at other financial institutions prompted the RBI to tweet on October 1st reassuring “the general public that the Indian banking system is safe and stable and there is no need to panic”.

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That is unlikely to help. Such words from a financial authority are prone to be heard as a signal to stampede. Even if that is averted, India’s banks are obviously faltering. They are still dealing with the overhang from a splurge of bad lending years ago. Yes Bank is merely a particularly marked example. The RBI has been concerned about the source of its seemingly impressive growth for some time.

But only in January this year did the regulator push out the bank’s founder and chief executive, Rana Kapoor. Write-offs followed, but there are worries about what remains to be uncovered. A report by Credit Suisse estimated that 9.4% of Yes Bank’s loans are in the process of being restructured—far higher than the 2.8% average for India’s other banks. It will probably need to raise capital, but that will be hard.

Although Yes’s problems are real, market movements may be exaggerating them. Some of the selling pressure has come from the forced liquidation of a large stake that had been retained by Mr Kapoor but pledged as collateral for loans. Holding companies linked to him have also sold shares to cut their debt. These sales created a vicious circle that may now be exhausted. The optimistic case for India’s banks is that something similar is playing out across the financial system: real problems, and an overheated market response. But for the market-watchers who have become accustomed to shocks, India’s banks steadying themselves would be a real surprise.■

This article appeared in the Finance and economics section of the print edition under the headline "Lots of No-Nos"

https://ift.tt/2njFobS

[sophiajns]

India Home Loan Market 2026

Market Reports on India Provides the Trending Market Research Report“India Home Loan Market, By Customer Type (Salaried, Self-Employed), By Loan Type (Retail, Corporate), By Type (Housing Loan & Non-housing Loan), By Source (Bank & Housing Finance Companies (HFCs)), By Bank Type (Private, Public), By Interest Rate (Fixed Rate & Floating Rate), By Tenure (Up to 5 years; 6-10 years; 11-24 Years & 25-30 Years), By Area of Property (Up to 500 Sq. foot; 501-1000 sq. foot; 1001-2000 sq. foot & Above 2000 sq. foot), By Mode of Purchase, By Customer Profile, By Region, Competition, Forecast & Opportunities, 2026” under Business ServicesCategory. The report offers a collection of superior market research, market analysis, competitive intelligence and Market reports.

India home loan market is anticipated to grow at a CAGR of around 22% during 2021 - 2026 on account of increasing urbanization and affordable mortgage rates. Housing loan rate is low in India when compared with developing economies, presenting opportunities for the growth of home loan market in the country. Moreover, government push towards affordable housing coupled with acute shortage of housing is further expected to drive India home loan over the next five years.

Home loan market in India can be segmented By Customer Type, By Loan Type, By Interest Rate, By Type, By Housing Loan, By Non-Housing Loan, By Source, By Bank Type, By Tenure, By Area of Property, By Mode Of Purchase, By Customer Profile and By Region. In India, banks and housing finance companies (HFCs) are the preferred sources for home loans. Banks dominated the market in 2020 and the trend is likely to continue in the forthcoming years as well. This is due to the fact that banks offer attractive interest rates when compared with housing finance companies, which are regulated by National Housing Bank. Additionally, banks follow marginal cost of funds-based lending rate (MCLR) model which attracts a lot of customers.

Request a free sample copy of India Home Loan Market Report http://www.marketreportsonindia.com/marketreports/sample/reports/2139813

In terms of interest rate, market can be bifurcated into fixed rate and floating rate. Floating interest rate is the preferred choice by majority of Indians as floating interest rate offers many advantages over fixed interest rate. By Customer type, India home loan market is segmented into salaried and self-employed. Salaried segment accounted for around 88% market share in 2020. Major demand for home loan comes from salaried segment as they have limited spending capacity. By Tenure, the market is segmented into up to 5 years, 6-10 years, 11-24 years, and 25-30 years. 11-24 years segment accounts for the highest market share as the most preferred home loan tenure among consumers in India is 20 years.

By Mode of Purchase, the market is segmented into sales executive, online, direct-walk in, third party administrators, and others. The sales executive segment accounts for the highest market share in India home loan market. By Region, India home loan market is segmented into North, South, West, and East. North region accounted for the largest market share in 2020 and the East region is foreseen to witness fastest CAGR during the forecast period.

The key players in India home loan market include SBI Home Loans, PNB Housing Finance, HDFC Housing Finance, LIC Housing Finance, L& T Housing Finance, Indiabulls Housing Finance, DHFL, ICICI Housing Finance, Aadhar Housing Finance Ltd., Edelweiss Housing Finance Ltd, Can Fin, among others. The companies operating in the loan market are offering flexibility in terms of interest rates, service charge & fees and tenure in order to draw customers.

Years considered for this report:

Historical Years: 2016-2019

Base Year: 2020

Estimated Year: 2021

Forecast Period: 2022–2026

Objective of the Study:

• To analyze and forecast the market size of India home loan market.

• To classify and forecast India home loan market based on type, source, interest rate, tenure, area of property and regional distribution.

• To identify drivers and challenges for India home loan market.

• To examine competitive developments such as expansions, new product launches, mergers & acquisitions, etc., in India home loan market.

• To identify and analyze the profile of leading players operating in India home loan market.

Our Research performed both primary as well as exhaustive secondary research for this study. Initially, Our Research sourced a list of companies across the country. Subsequently, Our Research conducted primary research surveys with the identified companies. While interviewing, the respondents were also enquired about their competitors. Through this technique, Our Research could include the companies which could not be identified due to the limitations of secondary research.

Our Research calculated the market size of India home loan market by using a bottom-up approach, where data for various end-user segments was recorded and forecast for the future years. Our Research sourced these values from the industry experts and company representatives and externally validated through analyzing historical data of these product types and applications for getting an appropriate, overall market size. Various secondary sources such as company websites, news articles, press releases, company annual reports, investor presentations and financial reports were also studied by Our Research.

Key Target Audience:

• Home loan companies and other stakeholders

• Government bodies such as regulating authorities and policy makers

• Organizations, forums and alliances related to home loan market

• Market research and consulting firms

The study is useful in providing answers to several critical questions that are important for the industry stakeholders such as service providers and partners, end users, etc., besides allowing them in strategizing investments and capitalizing on market opportunities.

Report Scope:

In this report, India home loan market has been segmented into following categories, in addition to the industry trends which have also been detailed below:

• Market, By Customer Type:

- Salaried

- Self-Employed

• Market, By Loan Type:

- Retail

- Corporate

• Market, By Type:

- Housing Loan

- Non-housing Loan

• Market, By Housing Loan

- Home Purchase

- Land Purchase

- Plot Purchase

- Construction

- Re-sale

- Balance Transfer

- Conversion

- Improvement & Extension

• Market, By Non-Housing Loan

- Loan Against Property

- Lease Rental Discounting

- Non-Residential Premise Loan

- Corporate Term Loan

• Market, By Source:

- Bank

- Housing Finance Companies (HFCs)

• Market, By Bank Type

- Private Banks

- Public Banks

• Market, By Interest Rate:

- Fixed Rate

- Floating Rate

• Market, By Tenure:

- Up to 5 years

- 6-10 years

- 11-24 Years

- 25-30 Years

• Market, By Area of Property:

- Up to 500 Sq. foot

- 501-1000 sq. foot

- 1001-2000 sq. foot

- Above 2000 sq. foot

• Market, By Mode of Purchase:

- Sales Executive

- Online

- Direct Walk-In

- Third Party Administrators

- Online

• Market, By Customer Profile:

- Economically Weaker Section

- Low Income Group

- Middle Income Group

- High Income Group

• Market, By Region:

- North

- South

- East

- West

Competitive Landscap

Company Profiles: Detailed analysis of the major companies present in India home loan market.

Available Customizations:

With the given market data, Our Research offers customizations according to a company’s specific needs. The following customization options are available for the report:

Company Information

• Detailed analysis and profiling of additional market players (up to five).

Browse our full report with Table of Content:

http://www.marketreportsonindia.com/marketreports/india-home-loan-market-by-customer-type-salaried-self-employed-by-loan-type-retail-corporate-by-type-housing-l/2139813 About Market Reports on India:

Market Reports on India is an excellent source to obtain top quality market research reports that helps you to understand the business in the Indian market. We cover various industries, identifying and understanding key macro and micro-economic trends, insights and futuristic growth opportunities. To help achieve all this and more, Market Reports on India is the answer to all your business needs.

Contact us at: Market Reports on India Tel: +91 22 27810772 / 27810773 Email: info@marketreportsonindia.com Website: www.marketreportsonindia.com Follow us on: Twitter, Facebook, LinkedIn

[todaybharatnews]

via Today Bharat nbsp; There are Rs 4.46 lakh crore of stalled residential projects across the country and their developers have become locked in a downward spiral with shadow banks. Ashish Shah is caught in the middle of Indiarsquo;s latest financial crisis. As chief operating officer of Radius Developers, hersquo;s struggling to fund construction of apartment complexes because of a liquidity crunch in the nationrsquo;s bloated shadow-banking sector. ldquo;Real estate is a sitting duck,rdquo; said Shah. ldquo;The timing is very crucial as the slowdown has hit the real estate market quite hard. The industry canrsquo;t service interest, new interest, additional interest, because there is no cash flow.rdquo; Radius and hundreds of other developers relied on loans from what India calls non-banking financial companies (NBFCs) to fuel a five-year property boom. That came to a halt a year ago with the default of one of the shadow banking sectorrsquo;s leading lenders, Infrastructure Leasing amp; Financial Services Ltd. The resulting credit squeeze has left builders such as Radius and Omkar Realtors amp; Developers Pvt. looking for support, or, like scandal-hit Housing Development amp; Infrastructure Ltd., filing for bankruptcy. There are $63 billion (Rs 4.46 lakh crore) of stalled residential projects across the country, according to Anarock Property Consultants, and their developers have become locked in a downward spiral with shadow banks. As lenders stop new credit, builders are forced to offload properties. Prices fall, causing more real estate loans to turn sour, pushing more shadow banks toward default. In turn, that has cast a shadow on traditional banks and dried up funding to other businesses, putting more stress on an already slowing economy. nbsp; For Radius, the crunch started when one of its main lenders, Dewan Housing Finance Corp., shut off new loans as it attempts to restructure some $12.7 billion (Rs 90 thousand crore) debt to avoid bankruptcy. Shah said he gained a temporary reprieve by selling a project to Blackstone Group Inc., but like all builders, his company needs cash to operate while projects are being built. Edelweiss Financial Services Ltd. and Indiabulls Housing Finance Ltd., which have some of the largest exposures to the sector, are also tightening funding. The risks of exposure to real estate were underlined by the scandal surrounding HDIL. The Reserve Bank of India abruptly imposed withdrawal curbs on a small cooperative bank that it said had under-reported loans to the developer. The decision triggered panic withdrawals from the bank, prompting the RBI to issue a statement to reassure the public that the banking system is ldquo;safe and stable.rdquo; The stresses in the banking industry are an added headache for the RBI, which cut rates by 25 basis points on Friday to counter slowing growth. Some commercial banks that lent to developers and shadow finance firms -- notably Yes Bank Ltd. -- have been caught up in the crisis. Banks had boosted overall lending to NBFCs by more than 50 per cent over the past five years, to about $96 billion (Rs 6.79 lakh crore) or nearly 8 per cent of their total exposure. nbsp; Yes Bank shares have led the declines in bank stocks, dropping more than 80 per cent in the past six months, including a 12 per cent slump this week. Its proportion of stressed loans could rise to more than 12 per cent, from a net bad debt of 2.9 per cent, according to Credit Suisse Group AG analyst Ashish Gupta. Yes Bank Chief Executive Officer Ravneet Gill said his bank only had exposure to three NBFCs. ldquo;There is a general perception that there is a closer linkage between Yes Bank and NBFCs than actually exists,rdquo; he said in an interview on Thursday. ldquo;The biggest risk is, at its core, a liquidity crisis. A liquidity crisis left unattended balloons into a solvency crisis,rdquo; said former Reserve Bank of India Governor Duvvuri Subbarao, who steered India through the 2008 global downturn. While he doesnrsquo;t see any local bank going down in the current scenario, ldquo;some weak non-bank finance companies should be allowed to fail for the entire financial system to come out stronger,rdquo; he said. nbsp; Prime Minister Narendra Modirsquo;s administration and the RBI have taken steps to try to improve cash flow to shadow lenders, including allowing banks to lend more to the sector, providing partial credit guarantees, and easing banksrsquo; mandatory liquidity ratios. RBI Governor Shaktikanta Das reiterated on Friday that the central bank has the top shadow lenders under its ldquo;intenserdquo; supervision. He had said last month that the RBI is closely monitoring the top 50 NBFCs, which contribute about 75 per cent of the sectorrsquo;s loans, and it wonrsquo;t allow another systemically important NBFC to fail. He also assured that the RBI would not let any cooperative bank, a tiny lender chosen by scores of small individual depositors, collapse. Meanwhile non-real estate borrowers are getting caught in the cross-fire. Indiarsquo;s shadow banks catered to a third of new lending until a year ago, and the tightening of new financing has hit businesses from tailors to automakers and affected some of the nationrsquo;s biggest business conglomerates, including Anil Ambanirsquo;s troubled group, Essel Group Ltd. and Coffee Day Enterprises Ltd. Slowing property sales in a flagging economy make it even harder for many shadow lenders to get funding, including Clearwater-backed Altico Capital India Ltd., which defaulted on repayments last month. ldquo;The Achilles heel for the real estate sector is weak sales velocity, which has a direct impact on cash flows,rdquo; said Saswata Guha, director of financial institutions at Fitch Ratings. ldquo;At some point it is bound to have a cascading effect if unresolved.rdquo; About $24 billion of shadow bank loans to developers could sour in the coming two years, according to estimates from Anarock. Roots of the Crisis The crisis has its roots in a lending binge by shadow banks between 2013 and 2018. Commercial banks were trying to chip away at a mountain of bad loans to large infrastructure and energy projects, so shadow lenders moved in, doubling their loan total to $438 billion in four years. Most of the new financing went to builders, home loans, and debt-laden infrastructure projects, according to rating company ICRA Ltd. In comparison, commercial banksrsquo; lending rose just 46 per cent to $1.36 trillion during the period. Why Indiarsquo;s shadow banks spook the market: Quicktake When ILamp;FS defaulted, the funds dried up, and risks on banksrsquo; balance sheets started rising. Total bad loans could rise to a record 12 per cent by early next year, according to Credit Suisse and Fitch Ratings. ldquo;A few months back we were essentially looking just at the real estate sector, but now the broader economic slowdown can affect other sectors and their creditworthiness,rdquo; said Fitchrsquo;s Guha. But saving an NBFC from collapse would mean forcing a bank to absorb all or part of its bad debt. So while Das is leaning toward enforcing market discipline on NBFCs, borrowers like Radius are worried the crisis will continue. ldquo;The reliance on NBFCs has heavily hit cash flows,rdquo; said Radiusrsquo; Shah, who hopes the measures taken by policy makers will help the sector. ldquo;The need for more money is acute.rdquo; nbsp;

[homepictures]

Everything You Need To Know About Design The Interior Of A House | design the interior of a house

Mumbai-based Arrivae offers homeowners the casework of curated autogenous designers, cardinal banking access, and tech-enabled processes and manufacturing.

Branford, CT – design the interior of a house | design the interior of a house

At a Glance

Startup: Arrivae

Founder: Yash Kela

Year it was founded: September 2017

Where it is located: Mumbai

The botheration it solves: Integrates the home advance ecosystem with banking partners

Sector: Autogenous design

Funding: Bootstrapped

Turning a abode into a home generally needs an autogenous designer’s help. But a home client doesn’t absolutely apperceive if that’s an advantage as should s/he add to the banking charge of a massive home loan?

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Mumbai-based startup Arrivae aims to change that. The home and appointment advance full-stack band-aid enables consumers to move into their spaces – customised and advised – faster. It does this by alms articles that amalgamate architecture and accounts options.

The Arrivae assemblage uses tech to accommodate acquaintance centres, architecture partners, logistics, production, and financing, to accomplish autogenous architecture attainable and affordable for homeowners.

Founder of Arrivae, Yash Kela

Arrivae, which refers to a ‘point of arrival’ in French, was founded by Yash Kela, a above real-estate apartment accounts able and an angel agent who has invested in companies like Stalkbuylove and Bombay Shirts.

Coming from an “investment family”, Yash became an agent with Indusage Partners; he followed it up by co-founding Nucleus Vision in July 2015 with Abhishek Pitti and ambience up Singularity, a cross-border advance book amid India and the US, in January 2015.

Yash, who advised advice technology engineering at Dhirubhai Ambani Institute of Advice and Communication Technology, Gandhinagar, is a Level 1 accountant banking analyst. He formed at Indiabulls afore founding Arrivae.  His assignment at Indiabulls accomplished him that there was a lot of advance from apartment accounts companies and banks to accommodate adjoin coffer loans incrementally.

“So what we accept done is access bodies who accept taken home loans; we action them a top-up on their loan,” Yash says, on how Arrivae works.

Arrivae has investments in raw actual providers, which expands the amount alternation and reduces inefficiencies. The resultant allowances are anesthetized on to consumers.

The autogenous architecture area about involves ample spends by consumers, and banking constraints generally act as a roadblock to affairs and sales growth.

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Yash says accepted new-age band-aid providers abridgement affiliation with assembly facilities. “We anticipation banking and clamminess articles arranged with amplitude architecture solutions would accomplish the absolute account added attainable to Indian customers.

Interior architecture about costs about 10 percent of the absolute abode cost. Arrivae simplifies the autogenous architecture alms through account installments at home accommodation absorption rates.

“Normally aback a client goes for autogenous designing, he takes a claimed accommodation that costs him 14 percent absorption amount over a aeon of one year. We accommodate an incremental accommodation at 8 percent absorption rate,” Yash says.

However, he believes the capital draw for the client isn’t the incremental loan. “The best hypothesis for the chump is s/he gets the architecture for free, gets a adduce in 30 minutes, gets a assurance of 10 years, is delivered the artefact in a aeon of 45-60 days, and has the advantage to pay aback the incremental accommodation over a aeon of 20 years (along with the home loan).”

Arrivae has currently partnered with Indiabulls and Bajaj Finance. If a chump has taken a accommodation from any added banks, s/he has the advantage of appointment the absolute accommodation to these two accounts companies.

Customers column their requirements on the belvedere and are again akin and affiliated with the appropriate architecture partner. “We accept tagged designers based on their ability and the assignment they accept done in the past. The advance is again anesthetized on to the architecture accomplice who in about-face calls and meets them either at home or at the retail store,” Yash explains.

Aggregation at Arrivae

“The architecture accomplice helps the chump visualise and actualize designs for the corresponding attic plates, followed by alms them a abundant bill of abstracts and amount estimates,” Yash says.

The chump is additionally provided with the everyman EMI options to armamentarium the activity through assorted apartment accounts partners. “On finalising the design, capacity are aggregate with the assembly aggregation through the technology belvedere and the absolute activity – from commitment to beheading – is managed through the platform. In case of added civilian work, the chump is provided with curated babysitter account providers for execution,” Yash adds.

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Arrivae has two factories to accomplish appliance – one abreast Nashik and the added in Chennai. “For bath ware, we accept a affiliation with Johnson tiles,” Yash says.

The startup operates through an omni-channel mode. It has eight franchisee food in Mumbai, Chennai, Cochin, Bengaluru (two stores), Kolhapur, Aurangabad, and NCR. The archetypal is franchisee-owned but company-operated. The advisers at the food are in the amount of Arrivae. There are about 100 advisers on Arrivae’s amount currently.

The added players aggravating to organise this chaotic area accommodate LivSpace and HomeLane. But what sets Arrivae apart, according to Yash, is the absorption amount and administration of loans the adventure offers. “But our better competitors will be the unorganised sector. The organised bazaar is actual small. In India, 40 lakh kitchens are delivered every year, but the organised bazaar calm caters to alone 20,000 kitchens,” Yash says.

He credibility out that the India bazaar is about $35 billion in admeasurement and there is a huge about-face from unorganised to organised. The bazaar will abound 25 percent every year and, with it, so will his firm. “Every division we see a abeyant of 50-percent advance at Arrivae,” he adds.

Arrivae, which is still bootstrapped, claims to get about 4,000 leads every month. Yash says, “Our go-to-market action is through agenda and banking partners, and the agent and apartment ecosystems.”

Arrivae says it has accomplished orders of over three lakh sqft in the bartering space. As abounding as 500 modular kitchen and apparel orders accept been completed or are in the works as of now.

Arrivae, which aims to accomplish breakeven by March 2019, additionally affairs to abound to 30 retail food beyond the country by then. Currently focused on creating an advancing bazaar presence, the startup aims to eventually abound into a pan-India, one-stop home advance brand. The startup has internally adjourned Series A round. Yash says the close is now attractive to accession a Series-B annular from alfresco investors in the abutting brace of months.

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Indiabulls Housing Finance top pick in home loan space

Indiabulls Housing Finance top pick in home loan space

IHFL’s stress loans have remained largely similar between the two accounting standards.

Indiabulls Housing Finance (IHFL) reported 1Q19 net profit of Rs 11 billion, year-on-year growth of 30% under new accounting standards. Importantly, the key parameter spreads, which was a concern for the market, have moved up by 12 basis points quarter-on-quarter (4 basis points increase in incremental…

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New Post has been published on http://www.visionmp.com/borrowers-default-on-home-loans-below-rs-2-lakh-rbi/

Borrowers default on home loans below Rs 2 lakh, RBI asks banks to tighten processes

Reserve Bank of India (RBI) is looking to tighten norms in the low-ticket affordable loan segment by increasing the loan to value (LTV) ratio and increasing the risk weight to address rising bad loans.

“After a careful analysis of the Housing Loans data, it has been observed that the level of NPAs (non-performing assets) for the ticket size of up to Rs 2 lakh has been high and is rising briskly. Banks need to strengthen their screening and follow up in respect of lending to this segment in particular,” RBI said in a statement.

The banking regulator said it is closely monitoring the sector and “will consider appropriate policy response such as a tightening of the LTV ratios and/or an increase in the risk weights, should the need arise”.

There are almost 100 housing finance companies, of which many are focusing on the low ticket size lending to self-employed customer segment.

Assets under management of housing finance companies grew 24 percent last fiscal aided by massive opportunities in affordable housing and slower credit growth by banks.

In a recent interview with Moneycontrol, Ashwini Hooda, deputy managing director, Indiabulls Housing Finance said, “The entry level segment has seen some jump in the delinquencies because this is the first time some financier is underwriting Rs 2 lakh loan. My sense is lenders will get more selective in lending to this segment. They must not fund those properties where titles are not clear, term planning sanctions are through, etc.”

Some of the housing financing companies focusing on the affordable housing segment have shown an above-average increase in delinquencies with gross NPA between 4 to 5 percent.

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Investors await second-quarter GDP data and OPEC decision later today.

Indiabulls Housing Finance gained over 1.5 percent intraday on Thursday as investors cheered positive brokerage views on the stock.

Rating agency Crisil upgraded the long-term rating of Indiabulls Housing Finance Limited (IBHFL), and its wholly-owned subsidiary Indiabulls Commercial Credit Limited (ICCL), to the highest rating of AAA/stable”, from its earlier assigned rating of “AA+/positive”.

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Further, it said that the company is the second private non-bank lender on standalone strength to be rated AAA by Crisil.

The stock trades at 2.1x Sep’19 book value per share, which we believe is attractive from a risk-reward perspective, considering more than 25 percent AUM growth and 15 percent return on equity (RoE) in the near-to-medium term. Buy with a target price of Rs 925.

Given the strong performance in first half of FY18, coupled with better-than-expected demand in the festive season, assets under management (AUM) growth in FY18 should comfortably exceed management’s guidance of 23-25 percent and could possibly be north of 30 percent, according to the research firm.

28 percent AUM growth, driven by the growth of 50 percent in consumer durables (CD) loans and 30 percent in two-wheeler (2W) loans.

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