MAM
What Every First-Time Homebuyer Should Know Before Financing Their Dream Home
For a large number of Indians, a home holds more value than it implies as far as a milestone. Instead, a home is a sign of not only financial security but also emotional balance, provision of a place of residence for the present and future generations. But for those who are buying a home for the first time, the access to such an apartment in the suburbs or a house in a place that is yet to be developed may not be an easy task in a market where they come across unfamiliar terms all the time, rates that rise and fall, and endless red tape. The answer to being a confident and well-informed purchaser is being familiar with the right financial ways to enable you to buy a house from the loan types to the doorsteps of a property loan.
It is always thrilling to buy your first house, though, and for sure, an exciting experience. However, you might still have to proceed through complex processes. The complexity is a consequence of the fact that you are not familiar with the home financing process. Through the right understanding of home financing, especially in India, you would have nurtured the art of systematizing the process while still affording to have new experiences.
Housing Loan vs Property Loan: Know the Difference
Most of the new buyers use the two terms interchangeably and yet there’s a distinction between them that needs to be understood.
A housing loan is a loan that is meant for the sole purpose of purchasing or constructing residential property—flat, villa, or an independent house. Generally, it comes with a lower interest rate, more extended repayment tenure (up to 30 years), and one can save tax under Sections 80C and 24(b).
To the contrary, a property loan, which is popularly known as a loan against property (LAP), is a secured loan whereby the existing property is leveraged to borrow funds. A housing loan helps one to buy a dream home, unlike a property loan which is used for personal or even business purposes. With various examples like business expansion, higher education, or rather another real estate investment.
For a lot of first-time home buyers, it’s always about getting a housing loan, not knowing that in case they are the property owners already, there is another option of money lending which is a good leverage. One should understand the alternative source of funds later if they possess a property and want to use its value to get a loan.
Know Your Creditworthiness Right at the Start
The one thing that most banks always need to look at first when you are asking for a mortgage is your credit score. A score of 750 is considered good, higher than that allows you to avail more credit at a lower interest rate. But if you score lower than that, you should definitely improve it before you apply – repay credit card debts, limit loan applications and have a credit mix in good standing etc. can keep your score high.
Your debt-to-income (DTI) is another important area that is considered by your bank. The figure may get lower if currently, you are servicing some other loans such as car or educational loans.
Fixed Interest Rates vs. Floating Interest Rates: Any Better?
It is the rate that moves up and down constantly vs. the one that doesn’t. In other words, the dilemma of which interest rate is more advantageous comes up. Fixed rates provide this assurance, you know exactly the same amount of money out of your pocket every month, and so you can make a budget easily. Nevertheless, these rates might be a bit higher starting.
In contrast, the first one is maintained throughout, while the latter is derived from the repo rate and can change in the future. With the RBI changing the repo rates to control inflation and to stabilize the economy, it is not difficult to foresee lower interest rates for borrowers due to floating rates.
If the players in the housing market are those who never want to step into unknown territories, they might pick a fixed rate up. On the other hand, a floating rate could attract you if you have a sound financial footing and are willing to take that risk that comes by. It will be a money-saving method in the long run if the interest rates are in favor of the borrower.
Neglecting Prepayment and Foreclosure Terms Could Be Costly
It is very common that you wish to prepay a part of your mortgage or even close it prematurely. To this, it is of utmost importance to verify that the lender does not charge penalties for prepayment or foreclosure. Though numerous lenders have omitted such fees for floating-rate home loans, fixed-rate loans may still carry the charges.
It is more beneficial in the first years of the loan if you prepay partly since the interest gets reduced to a great extent: as EMIs in these years majorly go to interest repayment only less amount of principal is repaid.
Dreamtime: Have All Your Papers Ready
If you are considering applying for a housing loan, keep in mind that there will be plenty of paperwork. One of the requirements that most lenders usually request are:
● Proof of your identity and address
● PAN card and Aadhaar card
● Pay slip copy (for salaried individuals)
● Income tax declarations (for self-employed)
● Bank transactions (usually half a year)
● Legal document on property, builder contract, and approved building plans
Ensure that all the documents are authentic and with the correct details. A mistake or not complying with the requirement can not only slow the approval down, but can also lead to disapproval.
Final Words: Know-How and Be Always Aware
The purchase of the first house is a critical financial and emotional decision. What matters most, in addition to the location, amenities, and layout, is if the funding of your house goes in the right direction or not as it will dictate the tranquility of your mind for at least the next twenty years.
It is better to not make any rushed impulsive choices. Compare those houses that are on offer using a variety of housing loan deals, read the terms and conditions/ fine print, and then use the internet for calculating EMI options. If you are an independent individual and have uncertain income, then understand how the home loan will pan out and what it will mean to you in the future.
Buying a house isn’t only about getting a mortgage but also about being financially comfortable during that period.
Your dream house should be a reason for you to feel happy not to worry. Accordingly, the first right step you should take towards this is to solve your financing issues properly today.
Brands
Netflix India names Rekha Rane director of films and series marketing
Streaming giant bets on a seasoned marketer who helped build Amazon and Netflix into household names
MUMBAI: Netflix has put a proven brand builder at the helm of its films and series marketing in India, naming Rekha Rane as director in a move that signals sharper focus on audience growth and cultural cut-through in one of its most hotly contested markets.
Rane steps into the role after seven years at Netflix, where she has quietly shaped how the platform sells stories to India. Her latest promotion, effective February 2026, crowns a run that spans brand, slate and product marketing across originals, licensed content and new verticals such as games.
A strategic marketing and communications professional with roughly 15 years’ experience, Rane has spent much of her career building technology-led consumer businesses and new categories, notably e-commerce and subscription video on demand. She was part of the early push that introduced Amazon.in, Prime Video and Netflix to Indian homes, then helped turn them into everyday brands.
At Netflix, she most recently served as head of brand and slate marketing for India from March 2024 to February 2026, leading teams across media and marketing for global and local content portfolios. Before that, as manager for original films and series marketing, she led IP creation and go-to-market strategy for titles including Guns and Gulaabs, Kaala Paani, The Railway Men* and The Great Indian Kapil Show, spanning both binge and weekly-release formats.
Her earlier Netflix roles covered product discovery and promotion in India and integrated campaign strategy to drive conversations around the content slate, product awareness and brand-equity metrics.
Before Netflix, Rane logged more than three years at Amazon in brand marketing roles in Bengaluru. There she handled national and regional campaigns for Amazon.in, worked on customer assistance programmes in growth geographies and contributed to the go-to-market strategy for the launch of Prime Video India.
Her career began well away from streaming. At Reliance Brands in Mumbai, she worked on retail marketing for Diesel and Superdry. A stint at Leo Burnett saw her work on primary research for P&G Tide, mapping Indian shoppers’ paths to purchase. Earlier still, at Orange in the United Kingdom, she rose from sales assistant to store manager, running a team and owning monthly P&L for a retail outlet.
The arc is telling. As global streamers fight for attention in a crowded Indian market, executives who understand both mass retail behaviour and digital habit-building are prized. Rane’s career sits at that intersection.
For Netflix, the bet is simple: in a market spoilt for choice, sharp marketing can still tilt the screen. And with Rane now leading the charge, the streamer is signalling it wants not just viewers, but fandom.
Brands
Orient Beverages pops the fizz with steady Q3 gains and rising profits
Kolkata-based beverage maker reports stronger revenues and profits for December quarter.
MUMBAI: A fizzy quarter with a steady aftertaste that’s how Orient Beverages Limited, the company that manufactures and distributes packaged drinking water under the brand name Bisleri closed the December 2025 period, as the Kolkata-based drinks maker reported improved revenues and a healthy rise in profits, signalling operational stability in a competitive beverage market.
For the quarter ended December 31, 2025, Orient Beverages posted standalone revenue from operations of Rs 39.98 crore, up from Rs 36.42 crore in the previous quarter and Rs 33.53 crore in the same quarter last year. Total income for the quarter stood at Rs 42.24 crore, reflecting consistent demand and stable pricing across its beverage portfolio.
Profit before tax for the quarter came in at Rs 3.47 crore, a sharp improvement from Rs 1.31 crore in the September quarter and Rs 0.39 crore a year ago. After accounting for tax expenses of Rs 0.79 crore, the company reported a net profit of Rs 2.68 crore, nearly three times the Rs 0.99 crore recorded in the preceding quarter.
On a nine-month basis, the momentum remained intact. Revenue from operations for the period ended December 31, 2025 rose to Rs 117.66 crore, compared with Rs 106.95 crore in the corresponding period last year. Net profit for the nine months climbed to Rs 5.51 crore, more than double the Rs 2.18 crore reported in the same period of the previous financial year.
The consolidated numbers told a similar story. For the December quarter, consolidated revenue from operations stood at Rs 45.06 crore, while profit after tax came in at Rs 2.06 crore. For the nine-month period, consolidated revenue touched Rs 133.57 crore, with net profit of Rs 4.49 crore, underscoring the group’s improving profitability trajectory.
Operating expenses remained largely controlled, with cost of materials, employee benefits and other expenses broadly aligned with revenue growth. The company continued to operate within a single reportable segment beverages simplifying its cost structure and reporting framework.
The unaudited financial results were reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on 7 February 2026. Statutory auditors carried out a limited review and reported no material misstatements in the results.
In a market where margins are often squeezed by input costs and competition, Orient Beverages’ latest numbers suggest the company has found a reliable rhythm not explosive, but steady enough to keep the fizz alive.
MAM
Washington Post CEO exits abruptly after newsroom cuts spark backlash
Leadership change follows layoffs, protests and a bruising battle over trust.
MUMBAI: When the presses are rolling but patience runs out, even the editor’s chair isn’t safe. The Washington Post announced on Saturday that its chief executive and publisher Will Lewis is stepping down with immediate effect, bringing a sudden end to a turbulent two-year tenure marked by financial strain, newsroom unrest and public backlash.
Lewis’s exit comes just days after the Bezos-owned newspaper announced sweeping job cuts that triggered protests outside its Washington headquarters and a wave of anger from readers and staff. While newspapers across the US are grappling with shrinking revenues and digital disruption, Lewis’s leadership had increasingly come under fire for how those pressures were handled.
The Post confirmed that Jeff D’Onofrio, a former Tumblr CEO who joined the organisation last year as chief financial officer, has taken over as CEO and publisher, effective immediately. In an email to staff, later shared by reporters on social media, Lewis said it was “the right time for me to step aside.”
The leadership change follows the announcement of large-scale redundancies earlier this week. While the Post did not officially confirm numbers, The New York Times reported that around 300 of the paper’s roughly 800 journalists were laid off. Entire teams were dismantled, including the Post’s Middle East bureau and its Kyiv-based correspondent covering the war in Ukraine.
Sports, graphics and local reporting were sharply reduced, and the paper’s daily podcast, Post Reports, was suspended. On Thursday, hundreds of journalists and supporters gathered outside the Post’s downtown office in protest, calling the cuts a blow to public-interest journalism.
Former executive editor Marty Baron described the moment as “among the darkest days in the history of one of the world’s greatest news organisations.”
Lewis defended his record in his farewell note, saying “difficult decisions” were taken to secure the paper’s long-term future and protect its ability to publish “high-quality nonpartisan news”. But his tenure coincided with growing scrutiny of editorial independence at the Post.
Owner Jeff Bezos faced criticism for reining in the paper’s traditionally liberal editorial page and blocking an endorsement of Democratic presidential candidate Kamala Harris ahead of the 2024 US election. The move was widely seen as breaking the long-standing firewall between ownership and editorial decision-making.
According to a Wall Street Journal report, around 250,000 digital subscribers cancelled their subscriptions after the paper declined to endorse Harris. The Post reportedly lost about $100 million in 2024 as advertising and subscription revenues slid.
While the wider newspaper industry continues to battle declining print advertising and the pull of social media, some national titles have stabilised. Rivals such as The Wall Street Journal and The New York Times have managed to build sustainable digital businesses, a turnaround that has so far eluded the Post despite its billionaire backing.
As Jeff D’Onofrio steps into the role, the challenge is stark, restore confidence inside the newsroom, win back readers who walked away, and prove that one of America’s most storied newspapers can still find its footing in a brutally competitive media landscape.
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