Akash Pharande If you think getting a home loan is just about having a decent credit score and a steady job, think again. Banks and NBFCs have a whole playbook of evaluation criteria – some you know about, many you don’t. This festive season, as you prepare to make that dream home purchase, let me […]Read More
Akash Pharande, As India’s cities expand, redevelopment projects are rapidly reshaping our cities’ skylines. But, this transformation invariably brings some serious challenges with it – that of natural ecosystems being urbanised. It is widely acknowledged that modern construction consumes significant resources. Buildings consume nearly a third of available potable water, as much as 1/4th of […]Read More
Akash Pharande India’s housing sector stands at a critical juncture as two major policy shifts — the upcoming GST reforms and the 50% US tariffs on Indian goods — stand as opposing forces that can potentially reshape demand, affordability, and supply of housing. While the GST reforms promise relief via lower input costs, the tariffs threaten […]Read More
Akash Pharande The real estate industry in Pune and Pimpri-Chinchwad, its twin city, has been booming in recent years, making them two of the fastest-growing cities in India. In just five years, the number of new homes sold in Pune went from 60,000 in 2019 to 90,000 in 2024 – a huge 50% rise. This […]Read More
Akash Pharande In India’s high-rent, high-inflation environment, owning at least one sufficiently large primary home is the unavoidable first step toward achieving Financial Independence, Retire Early (FIRE). Without it, monthly rentals erode savings, limit your lifestyle options and flexibility, and make the 25× annual-expense rule, which is the foundation of FIRE, almost impossible to reach. […]Read More
Akash Pharande Young, dual-income nuclear families and single professionals just beginning their careers are the driving forces of urban India today. In 2022, nearly half of Indian households consisted of 1 to 4 members, marking a significant rise in nuclear families from just 37 per cent in 2008. By 2024, it is likely that this […]Read More
The Future of Indian Housing Akash Pharande India’s urban population explosion is causing its bigger cities to burst at its seams. Overcrowding, pollution, traffic congestion, and deteriorating infrastructure are the ‘new normal’ – a state of affairs that we have begun to accept as inevitable. According to the United Nations, about 40 per of the […]Read More
Akash Pharande Before urbanisation took off earnestly in India, humans and nature coexisted admirably. Unfortunately, rampant real estate development has steadily reduced Indians’ access to nature. From the increasing demand for integrated townships with abundant greenery, we can see that urban dwellers today are looking to reconnect with nature. The Cost of Urbanisation Our cities’ […]Read More
Akash Pharande The World Environment Day, celebrated on June 5, is meant to remind us that we live on a planet with finite resources, and that each of us must respect these limitations. In 2022, World Environment Day carries the theme ‘Only One Earth’, and asks us to focus on living sustainably in harmony with […]Read More
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