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real estate: Realty sector outlook set to improve in FY22, grade I developers to gain: India Ratings

Synopsis
Non-Grade I players are also likely to see their sales rising by 26% in FY22 after a 39% decline in FY21. Demand-side risks combined with the continuing uncertainty over credit availability for the sector in the light of increasing risk aversion by financial institutions.
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India Ratings and Research (Ind-Ra) has revised the real estate sector outlook to improving for the financial year 2021-22, and has divided the rating Outlook as Positive for the grade I players, while maintaining a Negative Outlook for non-grade I players during March 2021.
The ratings agency expects FY22 to see an increase in sales by 30% from a year ago. The recovery will likely be dominated by grade I players, whose sales are likely to grow by 49% on year in FY22 after a 14% on-year increase in FY21. ....

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5 ways to make your credit card work for you

If you want to use credit in the right way, you need to adopt a few simple habits that will let you enjoy the benefits of credit cards such as cash flow flexibility and rewards perks ....

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Need instant interest-free loan up to Rs 10,000? Here;s how to get it

Updated Feb 08, 2021 | 06:17 IST
Home Credit Money app enables users to avail instant interest-free loans ranging from Rs 1,500 to Rs 10,000 directly into their wallets. Customers can also avail personal loans of up to Rs 2,40,000.
Need instant interest-free loan up to Rs 10,000? Here;s how to get it
New Delhi: Mobikwik, one of India s most popular digital payments apps, recently announced that they have partnered with Home Credit India, a local arm of the international consumer finance provider Home Credit Group with operations spanning in 9 countries across Europe and Asia to launch ‘Home Credit Money’. A mobile application-based wallet, Home Credit Money provides integrated end-to-end digital experience to customers for their daily life payments and borrowing needs. ....

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5 benefits of availing different forms of credit card EMI options

Updated Feb 02, 2021 | 06:14 IST
A way you can reduce credit card debt burden is by converting the outstanding amount on your card to EMIs. This rate is usually much lower than you would usually pay in a normal scenario
5 benefits of availing different forms of credit card EMI options
New Delhi: Credit cards provide instant access to credit by financing your transactions till the time you are required to repay them. While card issuers do not charge any interest on transactions repaid by the due date, a high interest and late fee is applicable to those repaid after the due date. You should always pay credit card bills on time. However, if you are unable to repay, you can consider EMIs for transactions requiring longer repayment periods. ....

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Holding multiple credit cards? Know if it affects your CIBIL score

Updated Jan 03, 2021 | 13:11 IST
In case a borrower is holding multiple cards then supposing a borrower has 5 different cards but the utilisation is 10 per cent for each card, they are good.
Holding multiple credit cards? Know if it affects your CIBIL score | Photo Credit: BCCL
New Delhi: Keeping multiple credit cards has become quite common in urban areas especially upper-middle-class and upper-class population. Borrowers may often wonder if holding multiple credit cards can impact their CIBIL or credit score negatively. As per experts, having multiple cards may not affect the CIBIL. However, the lack of disciple in repayment, over utilising the credit limit and making multiple enquiries may impact it. ....

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