Kotak Mahindra Bank: RLLR: 0.75 | From: 8.7% - To: 10.5%
Union Bank of India: RLLR: 0.5 | From: 8.5% - To: 10%
Bank of Baroda: RLLR: 0.5 | From: 9.25% - To: 11%
HDFC Bank: RLLR: 0.75 | From: 8.5% - To: 8.8%

Opinions

Three factors homebuyers must consider beyond location and amenities

Mr. Prabhat Sinha (Business Head, NMBPL)

Purchasing a home is not merely about selecting a property-it is about securing long-term stability. While location and lifestyle amenities are commonly prioritised, certain critical elements are often overlooked. These include clearly understanding one's reason for buying-whether for personal use or investment-evaluating lifestyle compatibility, and assessing future appreciation potential. Additionally, facilities such as security, power backup, and recreation areas significantly enhance the living experience. Most importantly, the builder's track record, including their delivery history, financial soundness, and adherence to regulations such as RERA, plays a crucial role in safeguarding the buyer's investment.Read more

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Changes in long-term capital gains tax: implications for real estate investors and HNIs

Mr. Jayesh Rajpurohit, Co-founder & CEO, Brick & Bolt

The Indian tax system, particularly regarding long-term capital gains tax (LTCGT) on property, has undergone significant changes following the Union Budget 2024-25. These modifications include revised reinvestment limits, increased tax rates, and adjustments to exemption rules, directly impacting high-net-worth individuals (HNIs) and real estate investors. The budget has introduced a tax rate hike from 10% to 12.5% and raised the exemption limit from INR 1 lakh to INR 1.25 lakh. Additionally, the holding period for LTCGT eligibility has been reduced from three years to two years. These revisions make it essential for taxpayers to explore tax-saving strategies, including reinvestment in affordable housing, Section 54EC bonds, and diversification through real estate investment trusts (REITs). Real estate developers and consultants play a crucial role in navigating these tax changes, offering customised solutions for tax-efficient reinvestment and long-term financial planning.Read more

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How smart cities are driving investments in the real-estate market

Manav Agarwal, Chief Data & Marketing Officer, NKlusive

Smart cities in India are reshaping the real estate market by integrating technologies such as IoT and AI, making urban spaces more sustainable, efficient, and liveable. These advancements have led to increased investments, driven by modern infrastructure, digital connectivity, and government initiatives like the Smart India Mission. Smart cities are becoming key hubs for both residential and commercial properties, with a growing demand for smart homes and commercial spaces. Additionally, the focus on sustainability and green building certifications is attracting long-term investors, further enhancing the value of properties.Read more

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Navi Mumbai is taking stage as a promising destination for commercial real estate investments

Mr. Bhavesh Shah, Joint Managing Director – Today Group

Navi Mumbai is rapidly emerging as a prime commercial real estate hub, driven by its strategic location, robust infrastructure, and affordability. The city benefits from excellent connectivity via the Mumbai-Pune Expressway, the Mumbai Trans Harbour Link, and the upcoming Navi Mumbai International Airport. Infrastructure projects like metro expansions and road network improvements further enhance its appeal. Affordable office spaces, coupled with lower operational costs, attract multinational corporations, startups, and Global Capability Centres. The proposed International Corporate Park in Kharghar is expected to be a game-changer. With a projected 13% annual growth rate in commercial real estate, Navi Mumbai presents a lucrative investment opportunity.Read more

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Luxury residences: Elevating expectations beyond premium pricing

Mr. Aditya N. Shah, Director, Mayfair Housing

The demand for luxury homes has surged in recent times, driven by buyers who seek exclusivity, bespoke designs, and premium amenities. High-net-worth individuals perceive these properties as status symbols rather than mere investments. However, as prices escalate, questions arise regarding the true value of these homes-whether they genuinely offer luxury or are simply overpriced. The definition of luxury real estate has evolved beyond prime locations; buyers now prioritise architectural excellence, cutting-edge technology, and an unmatched lifestyle. Mumbai exemplifies this shift, where space constraints and global appeal sustain demand. Additionally, millennials and NRIs contribute significantly to this segment, favouring sustainable and ESG-compliant developments. As luxury real estate continues to grow, only properties that seamlessly integrate sophistication, sustainability, and exclusivity will thrive in an increasingly discerning market.Read more

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Pune's transformation into an IT and real estate hub driven by investment and infrastructure

Harish Fabiani, Chairman of Indialand

Pune, traditionally known as the Oxford of the East, is rapidly evolving into a major IT and real estate destination. Over the past decade, industrial growth and startup culture have fuelled this transformation, supported by favourable government policies such as MahaRERA and the Make in India initiative. The influx of foreign direct investment (FDI) has further strengthened Pune's position, with recent major investments from Microsoft and Inteva Products. This IT expansion has triggered a real estate boom, particularly in commercial and luxury housing. Meanwhile, infrastructure projects, including Pune Metro and the Ring Road, are enhancing connectivity and urban living, making Pune an attractive destination for businesses, investors, and professionals.Read more

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Stronger, Safer, Smarter: The blueprint for future-ready construction

Mr. Harshvardhan Tibrewala, Managing Director, Vida Realty

In the fast-paced world of real estate and infrastructure development, prioritising speed and cost over quality can lead to long-term financial and safety risks. Poor construction practices result in costly repairs, high maintenance, and even structural failures. Globally, defects and rework contribute to a 5-10% rise in construction costs. In India, where rapid urbanisation is reshaping cities, the use of advanced materials like self-healing concrete, aluminium shuttering, and corrosion-resistant steel can enhance durability. Sustainable construction, supported by green certifications and skilled labour, ensures efficiency and resilience. With India's construction sector set for significant growth, long-term quality must take precedence over short-term gains.Read more

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Decoding the Long-Term Capital Gains Tax on Property for HNI's and how Real Estate developers can help navigate the complexities

Mr. Jayesh Rajpurohit (CEO, Brick & Bolt)

The Indian tax system, particularly capital gains tax, has undergone significant changes in the Union Budget 2024-25, impacting deduction limits, tax rates, and exemption rules. Long-term capital gains tax (LTCGT) now applies to property held for over two years, with the exemption limit increased to INR 1.25 lakh and the tax rate raised to 12.5%. To minimise LTCGT liability, taxpayers can reinvest gains in affordable housing, Section 54EC bonds, or diversify into commercial real estate and REITs. Expert real estate consultants play a vital role in guiding investors through tax-efficient reinvestment strategies, ensuring compliance and maximising financial benefits.Read more

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Metro Expansion and Connectivity: How Central Suburbs Are Becoming the New Hotspots

The central suburbs of Mumbai, particularly Sion and Mulund, are rapidly emerging as high-demand housing destinations, driven by robust infrastructure development and expanding metro connectivity. The introduction of new metro lines, including the Aqua Line and upcoming Line 4, has significantly enhanced access to key business districts, spurring residential interest and capital appreciation. These areas offer improved commute times, upgraded amenities, and redevelopment-led luxury housing, making them appealing to professionals and families alike. With the upcoming Navi Mumbai International Airport, central suburbs are strategically positioned for further growth and rising property values.Read more

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Metro Expansion and Connectivity: How Central Suburbs Are Becoming the New Hotspots

The central suburbs of Mumbai, particularly Sion and Mulund, are rapidly emerging as high-demand housing destinations, driven by robust infrastructure development and expanding metro connectivity. The introduction of new metro lines, including the Aqua Line and upcoming Line 4, has significantly enhanced access to key business districts, spurring residential interest and capital appreciation. These areas offer improved commute times, upgraded amenities, and redevelopment-led luxury housing, making them appealing to professionals and families alike. With the upcoming Navi Mumbai International Airport, central suburbs are strategically positioned for further growth and rising property values.Read more

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