Market Volatility Overview
The stock market experienced fluctuations, with the Sensex and Nifty indices ending lower. Several companies, including TCS and Maruti, saw declines. Simultaneously,
the market is buzzing with IPO activity, with companies like Gabion Technologies and Bharat Coking Coal generating significant interest. Foreign Institutional Investors (FIIs) withdrew over Rs 11,700 crore in January. The Reserve Bank of India (RBI) reported a strong performance for Indian banks in 2024-25, fueled by double-digit growth and reduced Non-Performing Assets (NPAs). However, the market saw some drops, with the Sensex ending 245 points lower and the Nifty below 25,700.
Personal Loan Boom
India witnessed a surge in personal loan growth, reaching 35% in 2025, driven by increased small-ticket loans. Furthermore, certain types of loans carry a higher risk of default. Meanwhile, freelancers have opportunities to get loans, even without a salary slip. The article discusses this rapid rise of personal loans, revealing its drivers and highlighting possible dangers, which shows that this area of finance has seen a huge surge in recent times.
Real Estate Dynamics
The real estate market shows dynamism, with branded homes increasing by 55% over the past five years. There are new regulations on property possession in Bengaluru. In the Delhi-NCR area, office occupancy is expected to exceed 80% by 2027. Also, the Ghaziabad region is offering significant discounts on new flats. Furthermore, a report indicates a 39% rise in housing launches in Delhi-NCR during Q4 2025, with mid-segment properties leading the way. Moreover, the report mentions that India's REIT market value is projected to reach $25 billion by 2030, compared to $18 billion in 2025, showing this sector is very dynamic and still growing.
Budget 2026 Focus
Budget 2026 is a key focus, with expectations of tax relief and policy stability from the real estate industry. There's a discussion on phasing out the old tax regime, and the potential for joint tax filing for married couples. Healthcare, insurance, and pharmaceutical sectors are hoping for increased investment in preventive care and tax breaks. The budget will be presented on February 1. In addition, there is widespread anticipation surrounding the unveiling of Budget 2026, which is scheduled for presentation on February 1. The article highlights the perspectives of various sectors, including real estate, healthcare, and insurance, as they eagerly await the budget's announcements.
Investment Strategies
There are multiple investment strategies mentioned. The article discusses the option of gifting mutual fund units to children without incurring capital gains tax. It also provides a guide to the Capital Gains Account Scheme launched by ICICI Bank and Karur Vysya Bank. Some reports also showed that Gold and silver prices hit record highs, prompting discussions on whether investors should expect more upside. Additionally, the PFRDA is exploring a guaranteed payout model for NPS subscribers, and the article discusses the details and implications.
Digital Payments & IPOs
Digital payments are expanding rapidly, with the DIGIDHAN mission driving a 41% Compound Annual Growth Rate (CAGR) and digital transactions reaching 22,831 crore in FY25. Several IPOs, including Gabion Technologies, Bharat Coking Coal, and Avana Electrosystems, are attracting attention, with subscription rates and Grey Market Premium (GMP) levels impacting investor sentiment. Additionally, NSE's IPO is nearing regulatory approval, and Sebi is expected to give clearance. Finally, the article provides an overview of the ongoing trends within the digital payments space and the evolving IPO landscape.
Other Financial Insights
The article touches upon several additional financial topics. It discusses potential changes to card benefits by SBI Card, HDFC Bank, and ICICI Bank. It mentions the impact of the US-Venezuela crisis on India’s trade. The article notes concerns surrounding Income Tax refunds, the reasons for delays, and how to check the status. It also includes information on the new income tax laws, which is set to roll out from April 2026.
