Housing Market Surge
Recent reports indicate a strong growth forecast for the housing market. Specifically, there's a prediction of nearly a 20% surge in housing sales value
by the financial year 2026. This positive outlook coincides with an environment of improving economic conditions and increased consumer confidence. Real estate in cities such as Delhi-NCR, Bengaluru, and Hyderabad witnessed double-digit price growth in the third quarter of 2025. This expansion suggests a significant increase in property values across these regions, reflecting the overall growth trajectory. Also, a Gurugram area is becoming a sought-after location for new homes.
GST Collections Rise
The Goods and Services Tax (GST) continues to show strength as collections rise. October's GST collection reached approximately Rs 1.95 lakh crore, indicating a 4.6% increase. This surge in revenue is driven by a combination of festive demand and GST reforms, which has fueled a strong consumption rebound in the third quarter. The robust GST numbers highlight the impact of reforms and strong consumer demand. States like Karnataka and Telangana are leading the GST revenue growth among large states after the September rate rationalization.
Stock Market Dynamics
The stock market has displayed fluctuations, with varying movements in indices and sectors. The Sensex experienced a drop of 100 points, and the Nifty fell below 25,850. Yet, there were gains for certain stocks, such as Honasa Consumer, which saw a 7% increase. In contrast, TMCV dropped by 3%. Further, the recent surge was attributed to factors that resulted in the Sensex rising by 600 points, with the Nifty exceeding 25,800. IT and auto stocks also rallied during this period, indicating diverse market activity. Infosys, TCS, and Tech Mahindra led the surge, as the Nifty IT jumped 2%.
IPO and Market Trends
Several IPOs are attracting investor interest, with varying outcomes in the market. Groww IPO listed at a 12% premium, eventually rising to 20%. The GMP for the Groww IPO also fell, indicating uncertainty. Lenskart and Groww IPO GMPs also fell before listing, causing investors to reassess the primary market. The stock of Lenskart made a weak market debut, listing at Rs 395 against its issue price of Rs 402. The IPO of PhysicsWallah also opened, with mixed views shared by brokerages.
Tax and Financial Updates
Tax-related announcements and modifications are coming into effect. The net direct tax revenue increased by 7% to Rs 12.92 lakh crore in the current fiscal year. New rules on refund and tax demand mistakes were notified by the CBDT. There is a possibility that the 30% tax rate will only apply to incomes above Rs 50 lakh, according to the recommendations of the PHDCCI. Also, the deadline for ITR audit reports and income tax returns for the Assessment Year 2025-26 has been extended by the CBDT. The ITR-U process was explained, highlighting how to rectify any missed or misreported income.
Banking and Lending
The banking sector is experiencing certain changes in its operations and interest rates. HDFC Bank lowered its MCLR by up to 10 basis points, and Kotak Mahindra Bank will levy SMS alert fees from December. Additionally, from April 2026, borrowers will be able to take loans against silver jewelry. Several banks are offering attractive Fixed Deposit (FD) rates, especially for senior citizens who can earn up to 7.5% interest. Various options for home loans are also available. Plus, the Post Office MIS calculator shows how an investment of Rs 4 lakh can earn monthly interest.
Investment Strategies
There are different insights and recommendations for investments and savings. Experts are suggesting five situations where stopping a SIP is appropriate. CA shares key areas to focus on for financial freedom. The topic of gifting mutual funds tax-free was also discussed, with rules being shared. Financial advisors have also highlighted why cash needs to be invested to work, rather than be idle. Declaring EPF interest yearly can help avoid a tax hit after retirement. Sebi has cautioned against digital gold, advising investors to be wary.
Sector-Specific Highlights
Several sectors demonstrate growth potential and notable developments. India's steel sector is preparing for the next growth wave, with demand expected to rise by 9% in 2025-26. The InvIT market is projected to triple to Rs 21 lakh crore by 2030. Infosys is facing challenges due to H-1B visa restrictions, which have increased subcontracting costs for Indian IT firms. The real estate market in Delhi-NCR is showing signs of growth, with mall developers turning bullish after a surge in leasing activity during the third quarter. Also, the government is planning to ease barriers between SEZs and the domestic market to boost trade flow.
Pension and Compliance
Updates and changes in pension rules and compliance requirements. EPFO pensioners can now submit digital life certificates from home via India Post Payments Bank. The rules for family pensions have been updated, and parents must complete a specific step by November 30. Furthermore, there are details on how gig workers and freelancers can join the NPS and the method of contributions. The PM Kisan scheme also had updates, with instructions on how to complete Aadhaar-based OTP e-KYC to receive the next payment.
