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By:

Kaustubh Kale

10 September 2024 at 11:37:15 pm

Nine Financial Tips for a Prosperous Navratri

As Navratri draws to a close, I wish you and your family happiness, prosperity, and continued success. Festivals are a time of celebration, but they also serve as a valuable reminder to reflect on our financial habits and strengthen our financial discipline. In the spirit of the nine days of Navratri, here are nine essential financial tips to help you stay on track with your financial goals and make your journey towards financial freedom smoother and more secure. Build an Emergency Fund Make...

Nine Financial Tips for a Prosperous Navratri

As Navratri draws to a close, I wish you and your family happiness, prosperity, and continued success. Festivals are a time of celebration, but they also serve as a valuable reminder to reflect on our financial habits and strengthen our financial discipline. In the spirit of the nine days of Navratri, here are nine essential financial tips to help you stay on track with your financial goals and make your journey towards financial freedom smoother and more secure. Build an Emergency Fund Make sure you have at least six months of living expenses saved in a bank fixed deposit or a debt mutual fund. This reserve will serve as your emergency fund for unforeseen situations and ensures you are prepared for any rainy days. Review Your Asset Allocation Revisit your investments to ensure they align with your goals. For short-term goals within three years, bank fixed deposits, recurring deposits, or debt mutual funds are appropriate. For long-term goals beyond three years, a diversified combination of hybrid/equity mutual funds, direct equities, and gold should be preferred. Do Sufficient SIPs Systematic Investment Plans (SIPs) are the backbone of disciplined investing. At least 25-30 percent of your in-hand monthly income should ideally be invested through SIPs in mutual funds, equities, and gold. This consistent approach will steadily build wealth over time. Make Lumpsum Investments Along with SIPs, voluntary lumpsum contributions into long-term assets whenever you have surplus funds can accelerate wealth creation. Even occasional lumpsum additions make a significant difference to the overall corpus. Increase Your SIPs Annually As your income increases, make sure your investments grow as well. Increasing your SIP amounts every year helps your wealth stay in line with inflation and your rising lifestyle needs. Increase your SIPs yearly and anchor them to at least 30 percent of your monthly income. Stay Invested Remain invested until your financial goals are achieved. Avoid redeeming investments unnecessarily. Frequent withdrawals disrupt compounding. If liquidity is required, consider taking an overdraft loan against your investments rather than breaking them prematurely. Health Insurance Safeguard your family with adequate health insurance. Opt for a minimum cover of 25 lakhs per family member with comprehensive features. Remember that relying only on employer-provided insurance is risky. Independent health insurance is essential. Term Life Insurance Protect your loved ones with a pure term life insurance policy. Ensure a cover of at least ten times your annual income, along with provisions for any outstanding loans. Stay away from mixing insurance with investments. A simple term plan is the most effective solution. Consult a Financial Advisor A full-time, well-qualified financial advisor can simplify your financial journey. Professional guidance ensures disciplined planning, correct product selection, and proper execution of your financial strategy. May this festive season bring abundance and lasting financial peace. (The author is a Chartered Accountant and CFA (USA). Financial Advisor. Views personal. He could be reached on 9833133605.)

REIT market surges ahead, says report

Writer: Bhalchandra Chorghade
Bhalchandra Chorghade
Apr 3
3 min read

Mumbai: India’s Real Estate Investment Trust (REIT) market is witnessing strong momentum, positioning itself as a compelling investment avenue both domestically and in comparison with Asian peers, according to a latest report by ANAROCK.


Titled ‘India REITs: Taking a Stride - Building Momentum with Scale & Performance’, the report was released on the sidelines of EXCELERATE 2026, a finclave organised by NAREDCO Maharashtra NextGen. It highlights that India’s REIT sector is rapidly evolving into a mature and high-performing asset class, backed by robust fundamentals, regulatory support and growing investor confidence.


A key development underpinning this growth is the introduction of Small and Medium REITs (SM REITs) in 2025, which has enabled wider retail participation through a fractional ownership model. The report estimates that SM REITs could unlock monetisation opportunities worth Rs 67,000 crore to Rs 71,000 crore, significantly expanding the investment base.


India’s REIT market has also emerged as increasingly competitive within Asia. According to the report, it has already achieved a scale comparable to established hubs such as Hong Kong. Indian REITs have delivered superior five-year price returns of nearly 9 per cent, outperforming several regional counterparts, while maintaining attractive distribution yields in the range of 5–6 per cent


Strong Pillar

Operational performance remains a strong pillar of the sector’s growth. Portfolio occupancy levels across Indian REITs have consistently remained above 90 per cent, with tenants comprising global corporates across sectors such as technology, BFSI, consulting and telecommunications. The report notes that REITs accounted for over 20 per cent of pan-India office leasing activity in the second quarter of FY26, supported by healthy re-leasing spreads and mark-to-market rental upside, indicating sustained income growth potential. Since their respective listings, Indian REITs have delivered capital appreciation ranging from about 12 per cent to over 60 per cent, alongside steady distribution yields.


Tax efficiency is another major factor enhancing the appeal of REITs. Regulatory norms require REITs to distribute at least 90 per cent of their net distributable cash flows, making them particularly attractive to income-focused investors. Additionally, over 65 per cent of REIT distributions are tax-exempt in the hands of investors, significantly improving post-tax returns.


Growth Trajectory

Looking ahead, the report projects a promising growth trajectory for the sector. Currently, only about 32 per cent of India’s REIT-worthy assets are listed, leaving significant headroom for expansion. The report also highlights diversification into emerging asset classes such as logistics parks, data centres, healthcare infrastructure and residential real estate, which is expected to broaden the investment landscape and enhance yield opportunities.


Introduced by the Securities and Exchange Board of India (SEBI) in 2014, REITs were aimed at formalising and democratising real estate investments by offering liquidity, diversification and stable income streams. India currently has five listed REITs spanning premium commercial office and retail assets, collectively managing over 176 million square feet of leasable area. Since the first listing in 2019, the sector has grown steadily, supported by institutional participation and progressive regulatory reforms.


NAREDCO Maharashtra NextGen organised EXCELERATE 2026 as a one-day international conclave to bring together global and domestic stakeholders to discuss the future of real estate investment and financing in India.


Talking about the finclave, Vikas Jain, President, NAREDCO Maharashtra NextGen said, “India’s real estate sector has undergone a remarkable transformation over the past decade. Investor confidence, both domestic and international, is at an all-time high. Platforms like EXCELERATE 2026 will play a critical role in bringing together global and domestic stakeholders to exchange ideas, explore capital partnerships and accelerate the next phase of growth for Indian real estate.”


Dr Niranjan Hiranandani, Chairman Emeritus, NAREDCO Maharashtra, said, “India’s real estate sector is at an inflection point, with urbanization set to rise from 35 per cent to nearly 50 per cent by 2047, fundamentally reshaping demand and development patterns. The industry has already transitioned from reliance on family funding to more institutionalised capital through private equity and REITs and is steadily evolving into a global asset class.”


The conclave featured a series of high-level panel discussions on emerging capital sources, investment strategies and future asset classes, including family offices, private equity, sustainability, data centres, branded residences, and the role of REITs and InvITs in unlocking institutional and retail capital.

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