Secondary Market, Primary Vs Secondary, Stock Exchanges, Listing of Securities, Trading Systems in Stock exchanges, Qualifications of Listing,Delisting, Orders, types of Orders,
Secondary Market, Primary Vs Secondary, Stock Exchanges, Listing of Securities, Trading Systems in Stock exchanges, Qualifications of Listing,Delisting, Orders, types of Orders,
Simple and attractive presentation on real estate.In this PPT Include Points like Introduction,Overview,Sector analysis,Market size,Devlopment and Investments,Government initiative and summary etc.
The real estate sector is one of the most globally recognized sectors. In India, real estate is the second largest employer after agriculture and is slated to grow at 30 per cent over the next decade. The real estate sector comprises four sub sectors - housing, retail, hospitality, and commercial.
Real Estate pptt include all point smartly.
A tutorial to basics of stock markets, basically for newbie's. Explains what is stocks, how trading happens, kinds of trading and some basic terminologies.
Punjab National Bank Fraud (Nirav Modi Scam) ppt presentation slideshareFatema Tandiwala
A case study presentation on Punjab National Bank scam (Nirav Modi)
India's second largest state-owned lender Punjab National Bank disclosed on Feb. 14, 2018 that it was the victim of the country’s largest bank fraud.
PNB revealed that fraudulent transactions by billionaire jeweler Nirav Modi and related entities amounted to $1.77 billion or over Rs 11,400 crore.
The key accused in the case were jeweler and designer Nirav Modi, his maternal uncle Mehul Choksi, and other relatives and some PNB employees.
Nirav Modi and his relatives escaped India in early 2018, days before the news of the scam became public.
PNB scam has been dubbed as the biggest fraud in India's banking history.
Simple and attractive presentation on real estate.In this PPT Include Points like Introduction,Overview,Sector analysis,Market size,Devlopment and Investments,Government initiative and summary etc.
The real estate sector is one of the most globally recognized sectors. In India, real estate is the second largest employer after agriculture and is slated to grow at 30 per cent over the next decade. The real estate sector comprises four sub sectors - housing, retail, hospitality, and commercial.
Real Estate pptt include all point smartly.
A tutorial to basics of stock markets, basically for newbie's. Explains what is stocks, how trading happens, kinds of trading and some basic terminologies.
Punjab National Bank Fraud (Nirav Modi Scam) ppt presentation slideshareFatema Tandiwala
A case study presentation on Punjab National Bank scam (Nirav Modi)
India's second largest state-owned lender Punjab National Bank disclosed on Feb. 14, 2018 that it was the victim of the country’s largest bank fraud.
PNB revealed that fraudulent transactions by billionaire jeweler Nirav Modi and related entities amounted to $1.77 billion or over Rs 11,400 crore.
The key accused in the case were jeweler and designer Nirav Modi, his maternal uncle Mehul Choksi, and other relatives and some PNB employees.
Nirav Modi and his relatives escaped India in early 2018, days before the news of the scam became public.
PNB scam has been dubbed as the biggest fraud in India's banking history.
Bangalore stock exchange session july 2015Raja Sekharan
Presentation in Bangalore Stock exchange on 26th July 2015 on - "Investing under current market conditions".
I share my views on Definition of Rich and how to select Mutual funds and Stocks in Indian markets and when to exit an investment.
This file provides complete information about the Public Provident Fund (PPF). It provides features, withdrawal from PPF, loan from PPF, consequences of default in deposit, document required for PPF, etc.
Visit: http://www.koltepatil.com/tuscan
Why Invest in Tuscan Estate Kharadi - NRI Special.
Tuscan Estate is one of the premium projects by KPDL. Offering exquisite 4 BHK penthouses and 3 BHK apartments in Kharadi Pune.
Paradise Real Value is the most powerful wealth building tool exceptionally available with Paradise Real Infra Pvt. Ltd. We have come up with a revolutionary idea and redefined real estate buying and investment. For the first time we have enable customers to buys a part of Real Estate property by retaining it. Now, small, medium and big investors can equally invest in real estate property suiting their budget and requirement.
One can invest in smallest quantity of square feet units as per their choice from our vast property bank. Our property bank consists more than 1 Lakh Sq. ft. of Residential & Commercial Property and Plots on different demographic location in Gujarat.
Will REITS be a game-changer for the Indian real-estate industry as it is exp...Aurum Equity Partners LLP
REITS have been the key source of capital for real estate in most developed markets, and increasingly so in the last decade. In India, raising capital has been challenging for real estate companies. SEBI has recently promulgated the REIT Regulations and some changes in tax legislation and some more (hopefully in the ensuing fiscal budget), have been carried out.
However, for an industry to change to a new regime, also requires the industry participants to learn the rules of the new game.
What can the industry learn from other sectors? Join the Aurum CXO Dialogues webinar where industry veterans from Aurum Equity, Black Olive Ventures and Dua Associates share their insights and perspectives on how the industry can leverage the opportunities created by REITS.
Investment options vary as per needs and income. There are various options and one has to choose the correct options to get the best returns and protect the capital. This articles discusses the positives and negatives of various options.
Financial Planning - Plan Today For Better Tomorrowmanish73
This presentation is based on Financial Planning for an individual that how an individual can plan their finances well in advance or to start with a small saving habits for their better future.
3. WHY REAL ESTATE INVESTMENT
Unlike stocks, mutual funds, gold and commodities, the
chances of downfall in value of real estate investments
is extremely low in India
Investing in property with rentals is the safest way to
secure your retirement – properties give you
uninterrupted, passive, inflation proof stream of
income
Reasonable good research will lead you to real estate
investments with CAGR of 15% plus per annum in
Indian conditions – only equity gives better returns –
but even equity has ups and downs.
In India, real estate investment is akin to a FD that
commits 15% returns year over year with almost zero
4. LEVERAGING YOUR GAINS FROM
PROPERTY INVESTMENTS
You invest in a flat costing Rs 50 lacs – you put Rs 10 lacs
upfront. The remaining 40 lacs is paid over two years in 8
quarterly installments – which you finance from a bank loan @
10%.
Over the next two years, you pay pre emi to your bank.
Overall outflow from your end over the two years –
1. Rs 10 lacs
2. Total of the pre emi’s over 24 months – Rs 4 lacs appx.
At the end of two years the property appreciates by 20% - i.e Rs
60 lacs and you sell it.
What is your ROI?
On an investment of 14 lacs, you get a profit of 10 lacs in two
years. ROI is appx 40% over two years - 20% per year.
Typically since 2000, in Bangalore, the ROI has been around
30% - 40% per year for such investments.
5. SUPPOSE YOU DO NOT SELL THE
FLAT
On delivery, you spend another Rs.10 lacs - interiors(4
lacs), registration taxes(5 lacs) and other costs(1 lac on
water, electricity, owners association etc)
Your decide to pay an emi of Rs 45000 ( 14 years loan) and
the rent is Rs 12000 per month and it is going up by 10%
per year.
After 5 years, the house value goes up by 100% i.e Rs 110
lacs - the overall returns is:
Outflow – Rs 60 lacs
Pre emi –Rs 4 lacs
Emi – Rs 21.6 lacs
Rental received – Rs 1.44 +1.58+1.74+1.91+2.10 = 7.77 lacs
At the end of 5th
year – your cash returns per annum is 3%
(and it is growing by 10% per annum) and capital
appreciation is 10% per year on the current value(appx 10
lacs per annum).
6. AFTER 14 YEARS IN 2025
You have cleared the loan paying Rs 33.1 lacs as
interest and 40 lacs as principal over the 14
years.
Your rental income would be around 5.5 lacs per
annum in that year ( rental received over 14
years would be 43 lacs)
The value of the house is estimated to be 230 lacs
(assuming a conservative 10% appreciation)
So over 14 years, by investing 54 lacs, you create
an asset of 230 lacs and also have a perpetual,
inflation proof cash inflow of Rs 5.5 lacs per
annum.
7. AFTER 14 YEARS –THE REAL LIFE
SITUATION
Chances are that your home loan would have been
prepaid by the 5th
year.
Your value of the house would have appreciated at
more than 10% CAGR - the actual appreciation varies
but at a good locations – it doubles in value every 5
years (CAGR of 15%)
Chances are that you would have three such homes in
14 years with two loans prepaid and with an annual
income of Rs 15 lacs and asset value of 500 lacs
Chances are that you would be financially
independent by then and you would have
other assets beyond these three properties
8. IT IS NOT NECESSARY TO DO
EXTRAORDINARY THINGS TO
GET EXTRAORDINARY
RESULTS.
9. YOU MUST LEARN FROM
EXPERIENCE, BUT YOU MUST
LEARN FROM OTHER
PEOPLE’S EXPERIENCE WHEN
YOU CAN.
10. INVESTMENT OPTIONS IN REAL
ESTATE
Residential properties - flats
Landed residential properties – houses with land
Commercial properties –shops /offices
Land – commercial/ industrial/ residential
Land – agricultural.
Real Estate Investment Trust (REIT)
Real estate funds
Real estate equity
11. INVESTMENT OPTIONS IN REAL
ESTATE
Residential properties – flats
In good locations (most places in Bangalore), flats
give 3% rental returns (after 5 years) and a
capital appreciation of around 15% per annum
(doubling in value in 5 years) – a total return of
18% p.a.
Minimum investment required is Rs 40 lacs -
80% of this can be through loans
12. INVESTMENT OPTIONS IN REAL
ESTATE
Residential properties - flats
Landed residential properties – houses with land
Houses with land need to be bought with care as the
upfront investment can be very high
Trick is to buy in areas where the land values are low
now but will appreciate due to developments around
Typical rentals are 2-3% ( 5 years after purchase) and
capital appreciation is 20% plus
Typical investment required is Rs 50 lacs plus - 80% of
this can be through loans
13. INVESTMENT OPTIONS IN REAL
ESTATE
Residential properties - flats
Landed residential properties – houses with land
Commercial properties –shops /offices
This is a smart investment option that people
miss.
Typical investment starts at Rs 15 lacs - 80% of
this can be through loans.
Rentals are around 7-10% of the invested amount
from year 2 (as compared to 3% on residential
properties)
Capital appreciation is also about 15% per
annum
14. INVESTMENT OPTIONS IN REAL
ESTATE
Residential properties - flats
Landed residential properties – houses with land
Commercial properties –shops /offices
Land – commercial/ industrial/ residential
Investment in land must be done after reaching financial
independence.
Land investments give no cash flow, are fairly difficult to
exit – but give superior returns - more than 20% per
annum.
Typical investment starts at 15 lacs and value doubles
every 3 - 5 years.
Lower value land investment start at 5 lacs –but the initial
appreciation takes about 5-8 years
15. INVESTMENT OPTIONS IN REAL
ESTATE
Residential properties - flats
Landed residential properties – houses with land
Commercial properties –shops /offices
Land – commercial/ industrial/ residential
Land – agricultural.
In many states – only farmers can buy agricultural land –
farmers are defined as someone who has agricultural land
already and who has a non-agricultural income of less that 2
lacs per annum
If you are qualified to buy these lands –it makes sense to buy
agricultural land next to any town, build a farm house and wait
for the town to grow to your property in 15 years.
16. INVESTMENT OPTIONS IN REAL
ESTATE
Residential properties - flats
Landed residential properties – houses with land
Commercial properties –shops /offices
Land – commercial/ industrial/ residential
Land – agricultural.
Agricultural lands near areas of development give a
reasonable capital appreciation – however it
completely depends on the location.
17. DO’S AND DONT’S WHILE
INVESTING IN REAL ESTATE
Future development potential of the location would define your
ROI.
You must use a good local lawyer to look at all the legal
ownership documentation - Khata, tax paid receipts, no
encumbrance certificates.
If it is a built property – the documents will also have the local
municipal clearances, plan clearances, water, power approvals
etc
Ensure that your lawyer is involved in the sale agreement,
registration of the agreement and getting the documents
converted to your name.
Do not buy the property if the documents are not clean as it
will be difficult to sell it later.
18. INVESTMENT OPTIONS IN REAL
ESTATE
Residential properties - flats
Landed residential properties – houses with land
Commercial properties –shops /offices
Land – commercial/ industrial/ residential
Land – agricultural.
Real Estate Investment Trust (REIT)
Real estate funds
Real estate equity
19. REAL ESTATE INVESTMENT TRUST
Invest Rs 25 lacs over three years in REIT
The fund manager invests this capital in large real estate
projects with a specific mandate( geography, segment –
residential or commercial or mixed use)
Investment is done in projects at design stage post the land
being bought by the developer – relationship with
developer is mostly long term and not project to project
Payments to developer are disbursed based on milestones
Returns normally start from 5th
year and go on till 8th
year.
IRR for these are normally 20% p.a
20. REAL ESTATE INVESTMENT TRUST
-ADVANTAGES
The investor gets the upside of real estate without the
large funds required.
There is also an assured exit plan
The investment risk is spread over a few properties/
locations
22. PLACE OF REAL ESTATE
INVESTMENT IN YOUR LONG TERM
WEALTH CREATION
As you grow your wealth, you must aim to create real
estate cash flows as early as possible.
Smartest people start investing in real estate before
marriage when there is adequate cash flows.
I have known one person who had three flats before he
got married – today he is 35 years old and is
financially independent
And off course he is married.
23. PLACE OF REAL ESTATE
INVESTMENT IN YOUR LONG TERM
WEALTH CREATION PLAN
Investment in commercial spaces that gives higher
returns and also can come with smaller investments is
recommended
Do not invest in real estate with a view to use it. Look
at it as an asset that can be used and sold as and when
required just like a share or mutual fund.
Invest in real estate assets for meeting your cash flow
requirements - by the 10th
year, you must have two
assets (loan free) which must contribute about 70% of
your annual financial requirements.
24. A FEW TRICKS IN REAL ESTATE
INVESTMENT
Befriend a real estate broker – they know the
market for properties that are going cheap.
Spend time looking at TOI Sunday edition and
visiting locations where there is real estate boom.
If the market is expected to go up and up – book
two flats and start paying the installments –
with a view to keep one and sell one mid way and
move the profits of this sale to your flat.
Most builders have a pre launch booking offer for
investors – as they also need money flowing to
build – Invest in good properties as a prelaunch
investor and these builders would help you sell
the property later.
25. A FEW TRICKS IN REAL ESTATE
INVESTMENT
Buy the most premium stuff possible –
4 bedroom vs three bedroom;
inside city vs outskirts;
branded builder vs a low brand one;
property with extensive amenities vs one without
amenities
Combine the investments of a few friends and invest
in a real estate asset – this helps in larger overall
investments and higher returns per person.