RBI COVID-19 measures & rescue guidelines are real or PR gimmick?


In a Govt pampered PR event, it was announced few weeks back that RBI had stepped to save the bleeding economy from effects of COVID-19 pandemic including some big measures and guidelines for real estate and capital finance predators.

The RBI said all term loans of all banks and lenders are permitted to grant a moratorium of three months on payments of all installments falling due between March 1, 2020 and May 31, 2020. The repayment schedule of these loans will be shifted across the board by three months after the moratorium period.

It essentially means borrowers won’t have to pay EMIs during the moratorium period and it won’t be deducted from their bank accounts. Further the interest will continue to accrue on the outstanding part of the loan during the moratorium period.

If consumers choose to avail the benefit of moratorium, borrower’s so-called credit rating will not be impacted. All of this in paper and rule books, what happens in practice only those millions of suffering locked lot can have any say!

Indian Real Estate financing and unethical banking has been marred by unprofessional and fraudulent processes over many decades now. There is no sanctity in transactions or systematic approach to processes, most of their actions and announcements are highly random and mostly opportunistic for its premium stakeholders benefit ONLY. We can narrow down various issues in to following key points:

1. Non-transparent procedures, exploitative interest rates
2. Distasteful approach of many Builders / Brokers / Bank Agents
3. Non-adherence of time in most of the procedures
4. Overall unsatisfying & unhappy experience

Only by putting sincere efforts with professional, honest and transparent approaches, can any govt ease transaction process in today’s highly greedy Real Estate and Banking Industries. For any transaction it is very important to have following features;

1. Transparency
2. Process Driven
3. Time-Bound
4. Professional
5. Hassle Free

With these services, we can bring a great change in this Industry. Government of India has passed RERA bill to bring in more transparency and accountability in every deal thus bringing complete satisfaction to the customer. With the RERA bill in effect, builders, financiers and Service Providers were bound by laws to deliver what they commit to their customers. Is this the reality now?

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What is in-FOCUS? It is a Brand of Hedge Realty Pvt. Ltd. It is a Unique Business Model, which help a Real Estate Customers to transact through right channel. It provides an organised ‘Online + Offline’ platforms to Real Estate customers and make transactions transparent and easy for them.

About hedge Realty Pvt. Ltd.: We are a team of young entrepreneurs who believe in organised business through professionalism & latest cutting-edge technology, which can change the way any business is done.

in-FOCUS business Model caters following key stake holders in the Real Estate industry:

1. Buyers / Sellers - The Most important part of any transaction. They either have a property to sell or the need to buy one. Even a builder comes under the category of a Seller. in-FOCUS is committed to bring in complete service satisfaction to these customers with thorough professionalism & transparency in every transaction.

2. Professionals – They are the Experienced & Trained Area experts who are working in Real Estate Business on full time basis. They believe in Transparent & Organised selling of Real Estate services. We select them on the basis of our company values and stringent selection criteria. Going further their service are evaluated by customers.

3. Advisers – They are Freelancers/Influencers who aspire to do some business in Real Estate and have monetary gain through it. Through this dynamic platform an Adviser can learn the methods and trends of Real Estate and grow in this industry. We EDUCATE, EMPOWER & ENABLE them to do Real Estate business professionally.

How we help Online Community:

We help our online visitors to connect with Experienced & Trained Area Experts based on their profiles, video profiles, reviews & testimonials by the past customers.

We also provide complete and verified information of upcoming projects and option to buy projects online.

How we help Offline Community:

In-FOCUS has offline presence through its strategically located Info-Centres in Mumbai & Thane. Customers can meet us at these Info-Centres to get help from Experienced & Trained Area Experts. in-FOCUS moderates every transaction to make sure of complete satisfaction to the customers.

We currently have our Info-Centres at Kandivali, Thane and Mira Road. Very we are coming up with our fourth centre at Virar. There are plans to open more centres in Mumbai, Navi-Mumbai and thane region. All our facilities are well equipped with customer related service and information.

Service to the Community:

Apart from that, through our special programme for women called ‘RE-women’ we EDUCATE, EMPOWER, ENABLE our Indian Women to be part of this Industry and contribute in making it an Industry with gender equality.

Future Plan & vision:

After successful implementation of this platform in Mumbai, Thane region we plan to introduce our services firstly in Navi-Mumbai and then carry it further to other key Metros like Delhi, Bangalore and Chennai.

Associated Builders:

Radius, Lodha, Oberoi, Nirmal Lifestyle, Omkars, Ajmera, Puraniks, Kalpataru, Vijay Group, Seven-Eleven etc.
Founder - Mr. Sonu Bajaj – +91 7045688081
Co-Founder – Mr. Ayush Kulshrestha
Marketing Head – Apurva Mohan Raizada - +91 9987523641

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