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Time of India
6 days ago
- Business
- Time of India
Real estate undergoes structural reset with financial discipline and equity-led growth
Property developers are sharpening their focus on deleveraging, creating healthy balance sheets, and increasingly opting for equity over high-cost debt. Last fiscal year, 62% of the top 50 listed developers reported debt-to-equity (D/E) ratios below 0.5 -- an improvement from 43% in FY21. Also, the share of firms with D/E ratios above 1.0 fell sharply to 17%, signalling a clear pivot towards financial conservatism, according to real estate services firm Colliers. Explore courses from Top Institutes in Please select course: Select a Course Category Management healthcare Leadership Data Science Others Operations Management Design Thinking Digital Marketing Artificial Intelligence Data Analytics MBA Product Management Public Policy CXO PGDM Finance Project Management Data Science MCA Healthcare Technology Cybersecurity Degree others Skills you'll gain: Duration: 11 Months IIM Kozhikode CERT-IIMK General Management Programme India Starts on undefined Get Details Skills you'll gain: Duration: 10 Months IIM Kozhikode CERT-IIMK GMPBE India Starts on undefined Get Details Skills you'll gain: Duration: 9 Months IIM Calcutta CERT-IIMC APSPM India Starts on undefined Get Details This recalibration has not only improved profitability -- 62% of these firms posted net profit margins exceeding 10% -- but also accelerated cash flows and operating discipline, thanks to a robust recovery in both residential and commercial segments, Colliers said. The improving financial health of developers has sparked renewed confidence among banks and equity investors. Since 2021, realty firms have raised nearly Rs 40,000 crore through IPOs, with Rs 7,630 crore raised via seven IPOs in the first half of 2025 alone. The momentum builds on a strong 2024, when nine IPOs garnered Rs 13,800 crore. Some of the large IPOs this year include Schloss Bangalore (Leela Hotels), Kalpataru , and Brigade Hotel Ventures . Others, like WeWork India, Bhive Workspaces, and Prestige Hospitality Ventures, are actively preparing for market entry. Knowledge Realty Trust, backed by Sattva Group and Blackstone, also secured Sebi approval for a Rs 4,800 crore REIT. The diverse range of listings underscores broadening investor appetite across asset classes, from residential and hospitality to co-working and alternative REIT platforms. 'India's real estate sector continues to show resilience and financial prudence despite global uncertainties. The rising number of credit rating upgrades in FY25 compared to other sectors is a testament to the sector's evolving strength,' said Badal Yagnik, CEO, Colliers India. According to Colliers, the realty sector's equity-led funding strategy is a deliberate pivot to reduce reliance on high-cost, short-tenure debt. 'This change is not accidental, it reflects conscious efforts by developers to strengthen governance, consolidate at the SPV level, and tap institutional capital for long-term growth,' said Shivam Agarwal, vice president, strategic growth, Sattva Group. The banking sector responded positively too. Gross bank credit to real estate nearly doubled to Rs 35.4 lakh crore in FY25 from Rs 17.8 lakh crore in FY21, raising the sector's share of overall bank credit to 19.4% from 16.3%. The gross non-performing asset (GNPA) ratio in construction plunged to 3.1% this March, from 23.5% in March 2021, underscoring improved asset quality and the viability of new projects. However, NBFC lending remains below pre-IL&FS levels. It is gradually recovering, rising to Rs 1.3 lakh crore as of September 2024 from Rs 1 lakh crore in FY21. The bulk of new funding is now coming from commercial banks, reflecting the sector's enhanced compliance and governance standards. The sector's improving creditworthiness has also drawn recognition from rating agencies. According to an internal analysis by a top credit rating firm, the upgrade-to-downgrade ratio for real estate issuers surged to 23:1 in H2 FY25, compared to just 2.3:1 for the broader economy. In FY25, 66% of the top listed real estate companies reported operating margins above 20%, up from 55% in FY21, while firms with net profit margins above 10% jumped to 62% from 23%. These gains have been powered by firm pricing, strong end-user demand, and cost control. 'The improving credit profile of the sector is underpinned by strong demand-supply dynamics across segments, residential, commercial, retail, hospitality, and industrial,' said Yagnik. 'The near-to-medium-term outlook remains robust, backed by both domestic and global investor interest.' Experts believe regulatory nod for small and medium REITs (SM-REITs) is expected to democratise retail participation in high-yielding real estate assets such as industrial parks, co-living spaces, and student housing. 'Indian real estate is no longer a cyclical bet -- it is being seen as a restructured, institution-friendly sector,' said Jasmeet Chhabra, partner and cofounder, JV Ventures. 'As the ecosystem deepens, we expect broader participation from institutional and retail investors alike.'
Time of India
30-07-2025
- Business
- Time of India
IIT JAM 2026 registration date announced by IIT Bombay on a new site: Check key dates, how to apply, official website
The Indian Institute of Technology (IIT) Bombay has launched the official website for the Joint Admission Test for Master's (JAM) 2026, opening the way for postgraduate science admissions across India. The registration process will begin on September 5, 2025, through the portal and will remain open until October 12, 2025. IIT JAM 2026 how to apply Explore courses from Top Institutes in Please select course: Select a Course Category Management Finance Data Science MBA MCA Artificial Intelligence PGDM Project Management Digital Marketing others Cybersecurity Leadership Degree Healthcare healthcare Technology Others Product Management Data Analytics Operations Management Design Thinking Public Policy CXO Data Science Skills you'll gain: Duration: 9 Months IIM Calcutta CERT-IIMC APSPM India Starts on undefined Get Details Skills you'll gain: Duration: 11 Months IIM Kozhikode CERT-IIMK General Management Programme India Starts on undefined Get Details Skills you'll gain: Duration: 10 Months IIM Kozhikode CERT-IIMK GMPBE India Starts on undefined Get Details Visit Register on JOAPS with name, email, and mobile number (starting September 5, 2025). Log in using the generated Enrollment ID and password. Fill in personal, academic, and communication details. Choose test paper(s) and three exam cities in the same zone. Upload required documents. Pay the examination fee online. IIT JAM 2026: Eligibility criteria Applicants must have a bachelor's degree and meet the criteria set by the participating institutions. There is no upper age limit for the exam. The online application form requires scanned copies of a photograph, signature, academic documents, and category certificate if applicable. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Dhoni's Exclusive Home Interior Choice? HomeLane Get Quote Undo IIT JAM 2026: Important dates (tentative) Application opens: September 5, 2025 Application deadline: October 12, 2025 Admit card release: January 5, 2026 Exam date: February 15, 2026 Result declaration: March 20, 2026 IIT JAM 2026 Exam JAM is a national-level entrance examination for admission to MSc, Joint MSc-PhD, MSc-PhD dual degree, and other postgraduate science programmes offered by the IITs and participating institutions. IIT Bombay is the organising institute for the 2026 exam. Live Events Along with the website launch, IIT Bombay has released the tentative schedule, session timings, and the list of exam city zones. The examination will be conducted in computer-based test (CBT) mode on February 15, 2026. IIT JAM 2026: Exam centres and zones The exam will take place in cities grouped into eight zones, with each zone coordinated by an assigned IIT. Candidates must choose three preferred cities within the same zone. Major centres include Mumbai, Delhi, Bengaluru, Hyderabad, Kolkata, Kanpur, Chennai, and Guwahati. IIT JAM 2206: Application process Candidates must apply through the JAM Online Application Processing System (JOAPS). The process includes filling out the application form, uploading required documents, and completing the fee payment before the deadline. All key updates including admit cards, mock tests, and result announcements will be posted on the JAM 2026 official website. The institute noted that the dates are provisional and may change. For the latest information and updates, candidates should regularly check the official website.
Time of India
29-07-2025
- Climate
- Time of India
Delhi weather alert: More rain likely till August 3; IGI Airport, airlines issue travel delay advisories
Heavy rain lashed Delhi on Monday morning, causing traffic issues and raising concerns about flight delays. The India Meteorological Department (IMD) has forecast rain to continue across the city until 3 August, with thunderstorms and lightning expected in some areas. Due to the ongoing rain, Indira Gandhi International (IGI) Airport has warned passengers of possible disruptions. In a statement, airport authorities said teams are working closely with all stakeholders to ensure a smooth journey. Travellers have been advised to take Delhi Metro or other public transport options to avoid traffic jams and reach the airport on time. Explore courses from Top Institutes in Please select course: Select a Course Category Management Public Policy Technology Leadership Artificial Intelligence Data Science Design Thinking MBA Data Science Data Analytics Cybersecurity Healthcare Operations Management Degree others Digital Marketing Others Finance CXO MCA Skills you'll gain: Duration: 10 Months IIM Kozhikode CERT-IIMK GMPBE India Starts on undefined Get Details Skills you'll gain: Duration: 9 Months IIM Calcutta CERT-IIMC APSPM India Starts on undefined Get Details Skills you'll gain: Duration: 11 Months IIM Kozhikode CERT-IIMK General Management Programme India Starts on undefined Get Details The airport also advised passengers to contact their airlines directly for the latest flight updates. Airlines Sound Alerts Several airlines have issued weather-related advisories: IndiGo posted a warning titled 'A Rainy Day Reminder', saying: 'With heavy rainfall expected over Delhi, we're seeing a chance of delays and slower traffic to and from the airport. Please check your flight status and allow extra time for travel.' Live Events SpiceJet alerted flyers about possible disruptions in both Delhi and Dharamshala: 'Due to bad weather in Delhi (DEL) and Dharamshala (DHM), all departures/arrivals and their consequential flights may get affected.' Air India also cautioned passengers: 'Gusty wind and rain may impact flight operations to and from Delhi this morning… Allow extra time for your journey.' IMD Forecast: More Rain Ahead The IMD's regional centre in Delhi has predicted generally cloudy skies with light to moderate rain, along with chances of thunderstorms and lightning in some parts. While an intense downpour was expected over the next few hours, no colour-coded alert had been issued till the time of reporting. Authorities have urged residents to stay safe, avoid waterlogged areas, and follow official advisories as more showers are likely over the coming days. Inputs from agencies
Time of India
28-07-2025
- Business
- Time of India
Jane Street seeks more time from Sebi to respond to July 3 order on market manipulation case
Global proprietary trading powerhouse Jane Street has sought more time from the Indian market regulator Securities and Exchange Board of India ( Sebi ) to respond to the interim order issued on July 3 against alleged market manipulation case. 'Jane Street is committed to conduct that upholds the integrity of India's capital markets and contributes to their continued development. We are engaging constructively with SEBI and have sought an extension to respond to the interim order issued on July 3,' the US-based firm said in a statement issued on Monday. Explore courses from Top Institutes in Please select course: Select a Course Category Management Product Management Technology Artificial Intelligence CXO Public Policy Degree Data Science PGDM MCA Others Data Analytics Digital Marketing Operations Management Cybersecurity others Design Thinking Leadership Project Management MBA Data Science Finance Healthcare Skills you'll gain: Duration: 10 Months IIM Kozhikode CERT-IIMK GMPBE India Starts on undefined Get Details Skills you'll gain: Duration: 9 Months IIM Calcutta CERT-IIMC APSPM India Starts on undefined Get Details Skills you'll gain: Duration: 11 Months IIM Kozhikode CERT-IIMK General Management Programme India Starts on undefined Get Details by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like No annual fees for life UnionBank Credit Card Apply Now Undo On July 21, Sebi had given conditional relief to U.S. trading company by allowing it to access the securities market and carry out trading activities. Sebi's conditional relief came after Jane Street created a Rs 4,844 crore escrow account. More to come...
Time of India
24-07-2025
- Entertainment
- Time of India
NYT Strands Hints July 24: Spangram, theme and hints to decode the Thursday puzzle
The New York Times' increasingly popular puzzle game, Strands , returned with yet another intriguing challenge for language enthusiasts on Thursday. For July 24, 2025, the game's theme—'Back away slowly'—sparked curiosity among daily solvers and revealed a clever set of answers that echoed animal defense mechanisms. With players turning to Strands hints in greater numbers, especially those looking for a break from Wordle or Connections, today's puzzle maintained NYT's streak of providing brain-teasing wordplay. Explore courses from Top Institutes in Please select course: Select a Course Category Management Artificial Intelligence Data Analytics Finance Technology Others Healthcare Operations Management Public Policy CXO Cybersecurity Digital Marketing MCA Degree PGDM Data Science MBA Design Thinking Data Science healthcare Product Management Leadership others Project Management Skills you'll gain: Duration: 10 Months IIM Kozhikode CERT-IIMK GMPBE India Starts on undefined Get Details Skills you'll gain: Duration: 9 Months IIM Calcutta CERT-IIMC APSPM India Starts on undefined Get Details Skills you'll gain: Duration: 11 Months IIM Kozhikode CERT-IIMK General Management Programme India Starts on undefined Get Details What Is NYT Strands? Part of the New York Times Games collection, Strands is a puzzle game built around themed vocabulary. Players are presented with a 6x8 grid of letters and must uncover multiple words tied to a common theme. One special word, called the Spangram, spans across the puzzle either horizontally, vertically, or diagonally. This term offers a thematic cue to solve the remaining words and plays a pivotal role in cracking the puzzle. Today's Theme: 'Back away slowly' The theme for July 24— Back away slowly —immediately hints at self-preservation behaviors, often seen in nature. Players unsure of how to proceed received an extra nudge with Strand's hints, indicating the topic dealt with animal responses to threats. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Fully Loaded 4 BHK apts for 4.49 Cr(All Incl)* in Sec 104 ATS Triumph, Gurgaon Book Now Undo Today's clue in brief: Defense mechanisms animals use to protect themselves from predators. For those requiring a push, two additional cues were offered, as mentioned in a report by Beebom: Live Events Hint #1: A high-pitched animal scream. Hint #2: A sharp, snake-like sound. Spangram for July 24 The Spangram, a central mechanic in Strands, was revealed to be 'Warning', capturing the entire theme in one compact term. It moved horizontally, starting with the letters 'WA,' aligning with the puzzle's central idea: alert responses that deter danger. According to Strands' conventions, identifying the Spangram early can significantly improve the odds of uncovering all theme-related words. Full List of Theme Words In addition to the Spangram, today's puzzle featured the following words, all representing reactions in the animal kingdom when sensing danger: RATTLE HUFF HISS GROWL SNARL SPRAY STOMP SCREECH Each word offered insight into instinctive behavior, painting a vivid portrait of nature's alarm signals. Understanding the Spangram's Function Unlike other daily puzzles, Strands emphasizes the utility of a Spangram as a thematic linchpin. This single word or phrase not only spans from one side of the puzzle to the other but also encapsulates the day's challenge in spirit and logic. Interestingly, it may not always begin or end at the outermost edge of the grid, offering an added level of complexity. FAQs What is the NYT Strands puzzle? Strands is a daily word puzzle game developed by The New York Times that challenges players to find multiple theme-based words in a 6x8 letter grid. A central feature is the Spangram —a single word that spans across the puzzle and encapsulates the puzzle's theme. What was the theme for the July 24, 2025, NYT Strands puzzle? The theme was 'Back away slowly', suggesting animal defense mechanisms or warning behaviors typically triggered by threats in the wild.
