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India’s real estate market presents a remarkable opportunity for both domestic and international investors. With a booming economy and rapid urban expansion, now is an ideal time to explore properties for sale in India. This burgeoning market offers promising returns through appreciation and rental income, making it an attractive option for those looking to buy property in India.

For non-resident Indians (NRIs) and foreign nationals, the market dynamics are particularly appealing. The Indian real estate sector saw a notable 37% year-on-year increase in foreign inflows in the first half of 20241. Additionally, foreign investors contribute approximately US$ 3.1 billion annually to Indian real estate1, showcasing the confidence and potential in this market. The meteoric economic growth and the government’s favorable policies align to create robust Indian Real Estate opportunities.

The minimum residency requirement for foreign nationals to invest in property is 182 days2. Whether you’re considering a residential or commercial investment, the favorable tax policies and long-term appreciation make Indian properties a wise addition to your portfolio.

Key Takeaways

  • India is experiencing rapid urban expansion and economic growth, making it a prime time to invest.
  • Foreign investors contribute US$ 3.1 billion annually to the Indian real estate market1.
  • The market saw a 37% year-on-year increase in foreign inflows in the first half of 20241.
  • NRIs are actively investing in key cities like Bangalore, Delhi, and Mumbai1.
  • Minimum residency requirement for foreign nationals is 182 days2.

Why Buy Property in India?

India stands out as a prime destination for real estate investments due to its vast population and economic growth. With a burgeoning market valued at approximately ₹24 Lakh crore (about USD 300 billion)3, the opportunities for property value appreciation are immense. The Indian real estate market offers diverse investment opportunities, ensuring significant returns over time.

Increasing Demand and Value Appreciation

Residential properties dominate the market, accounting for 80% of the real estate pie, while commercial properties make up the remaining 20%3. With a population exceeding 1.3 billion people4, the demand for housing and commercial spaces is rising exponentially. This increase in demand contributes to the steady property value appreciation in many regions, offering investors a robust potential for capital growth. It’s noteworthy that real estate in India can yield a price increase of 10-20% over a period of 10 years4, further solidifying its appeal as a lucrative investment.

Economic Growth and Urban Development

Economic growth significantly drives the real estate sector in India. The country’s focus on development projects has led to the rapid urbanization of many cities. Delhi, Mumbai, and Bengaluru are classified as Tier 1 cities, presenting high potential for property investment due to increased demand and robust urban infrastructure3. Emerging Tier 2 and Tier 3 cities like Kochi, Hyderabad, and Pune offer more affordable investment opportunities without compromising on growth potential3.

The rise in property market values is anticipated to continue, influenced by both population growth and urban development5. Investment opportunities in India are further enhanced by the simplified taxation regime, making it an attractive proposition for both domestic and international investors4. The favorable economic conditions pave the way for significant property value appreciation, setting the stage for promising future returns.

Best Cities for Real Estate Investment

Mumbai real estate

Major Indian cities like Mumbai, Delhi, Bangalore, and Hyderabad offer diverse opportunities for real estate investments. With their unique strengths and growth potential, these cities stand out as prime locations for buying property in India.

Mumbai

Mumbai, known for its dynamic market, boasts an annual growth rate of 7-8%, with property prices averaging around ₹25,000 per square foot in prime locations6. The city offers robust rental yields and significant appreciation potential, making it a lucrative option for investors7. The Mumbai Trans-Harbour Link, a 21.8 km sea bridge set to be completed by September 2022, will significantly enhance connectivity and boost real estate values8.

Delhi

Delhi continues to expand with increasing commercial investments. Prices in prime areas like Gurgaon can reach ₹10,000 per square foot, driven by extensive government-led projects and rapid population growth6. The city benefits from excellent infrastructure and connectivity, making Delhi properties for sale appealing to both investors and homebuyers.

Bangalore

Bangalore is renowned for its booming IT industry and modern infrastructure. The city’s housing market benefits from an annual GDP growth rate of about 8.5%6. Rental yields in Bangalore average 3-4%, offering solid returns for property investors6. The upcoming metro rail expansion and infrastructural upgrades are expected to further enhance real estate opportunities in the area7.

Hyderabad

Hyderabad’s real estate market is characterized by rapid appreciation, attributed to proactive government policies like TS-iPASS7. With an average annual growth rate of 5-6% and affordable properties, Hyderabad investment properties are highly attractive for both domestic and international buyers6. The lower cost of living compared to other major cities also makes it an appealing choice for long-term investment7.

Types of Properties Available for Investment

commercial properties India

India’s real estate market presents various property types fit for distinct investment needs. The sector is projected to grow up to 9.3 billion USD, providing substantial opportunities for investors9.

Residential Properties

Residential properties in India cater to a wide spectrum, from affordable housing to luxury apartments. Cities like Delhi NCR, particularly Gurgaon, are experiencing rapid growth in this segment9. Other key cities with booming residential real estate include Mumbai, Bangalore, and Pune, known for their IT sectors and robust infrastructure9. House-hacking is a common investment strategy, allowing investors to minimize living expenses by renting out additional units10.

Commercial Properties

Commercial properties in India, such as office spaces and retail locations, offer high rental values and appreciation, with long-term lease agreements reducing vacancy times9. Options like REITs are recommended for beginners due to their advantages similar to owning properties without management responsibilities. For instance, REITs like SEBI-regulated Embassy Office Parks allow smaller investments in income-generating real estate assets9. Flipping commercial buildings, despite its high-risk, high-reward nature, has proven profitable for many investors10.

Lands and Plots

Investing in land provides flexibility for future development. Purchasing land to construct residential units for sale is a common trend in India, delivering high profits10. Agricultural land, too, offers unique benefits like long-term wealth creation, tax-free income from farm produce, and hedging against inflation9. Legal checks on documents are essential to avoid potential legal issues with agricultural land purchases9.

Luxury Homes

Luxury homes in India are designed to offer an opulent lifestyle. These homes, typically located in gated communities, come with high-end amenities and provide lucrative deals for investors. The ability to manage monthly mortgage payments while increasing rental income over time lends a profit margin to the investor purchasing such high-end properties10.

Understanding the Indian Real Estate Market

housing market trends India

Understanding the dynamics of the Indian real estate market is crucial for any potential investor. Factors such as government initiatives, infrastructure development, and market regulations play significant roles in shaping the industry’s landscape.

Market Trends

The housing market trends India show a steady rise, with increased employment opportunities leading to higher disposable incomes and subsequently driving economic growth11. Major cities, including Gurgaon, have witnessed a transformation into tech hubs, significantly boosting demand for residential properties11. The law of supply and demand indicates that when demand exceeds supply, property prices are likely to rise, while an oversupply leads to declining prices11. Effective planning and understanding of future infrastructure projects can significantly impact property values, creating potential opportunities for first-time buyers11.

Recent Developments

Recent real estate developments in India have been driven by several key factors. Government initiatives such as the Real Estate Regulation Act (RERA) have enhanced transparency, accountability, and buyer protection within the sector11. Infrastructure growth, encompassing the development of highways, metro lines, and airports, has been a major influence on real estate prices11. Furthermore, Pradhan Mantri Awas Yojana (PMAY) aims to provide affordable housing, significantly increasing demand in both urban and rural populations11. Interest rates for mortgages in India, averaging around 8-10%, also play a crucial role in this dynamic12.

Future Projections

The future real estate market India is poised for sustained growth, propelled by urbanization trends and continuous economic development. Urbanization and population growth are key influences on the supply-demand dynamic in the Indian real estate market11. With massive growth in India’s real estate sector over the past decade, especially in major cities, the momentum is expected to continue12. The buy-and-hold strategy in real estate aims for long-term growth and generates rental income12. Additionally, dividends from Real Estate Investment Trusts (REITs) in India, averaging between 10-15%, are expected to be an attractive option for investors12.

Buy Property in India: Legal Considerations

Indian real estate legal guide

Investing in Indian real estate necessitates a comprehensive understanding of various legal frameworks designed to ensure compliance, particularly for international investors and Non-Resident Indians (NRIs). This Indian real estate legal guide outlines the key regulations and guidelines that investors need to follow for a successful property transaction in India.

FEMA Regulations

The Foreign Exchange Management Act (FEMA) regulates foreign exchange transactions, including property purchases by NRIs and Persons of Indian Origin (PIOs). Non-resident individuals must adhere to FEMA regulations when investing in real estate in India. Under FEMA, NRIs and PIOs can purchase immovable property in India, excluding agricultural land, plantation property, and farmhouses13. Additionally, foreign nationals of non-Indian origin cannot acquire immovable property unless inherited from a resident Indian13.

RBI Guidelines

The Reserve Bank of India (RBI) guidelines govern how NRIs and PIOs can manage their real estate investments in India. Notably, NRIs and PIOs can repatriate the proceeds from the sale of immovable property, with certain conditions. For residential properties, the repatriation is limited to two properties, and Authorized Dealers permit up to USD 1 million per financial year for properties purchased with Rupee funds13. Moreover, citizens of countries like Pakistan and Bangladesh require prior permission from the RBI to acquire or transfer property in India13.

Document Requirements

Several critical documents must be presented to ensure a hassle-free property acquisition in India. Compliance with the Transfer of Property Act, 1882, which regulates the transfer of immovable property, is crucial14. Furthermore, the Registration Act, 1908 demands the registration of specific documents for legal validity14. It is essential to conduct thorough title verification to ensure that the property title is clear and free from any encumbrances or disputes14. Engaging a qualified real estate lawyer is highly recommended to navigate these legal complexities14.

For a deeper understanding of the intricate legal frameworks for property investment in India, you may refer to the comprehensive guidelines available on this Indian real estate legal guide.

NRI Investment Opportunities

NRI property investment opportunities

Non-Resident Indians (NRIs) have a myriad of lucrative investment opportunities in the Indian real estate market. With an economy growing rapidly, the Indian real estate sector is projected to evolve into a $650 billion industry by 202515. The real estate sector is set to contribute up to 13% of India’s GDP by 2025, doubling from its previous contribution15.

Residential Investments

Residential properties present significant opportunities for NRI real estate investment. NRIs can invest in apartments, villas, and gated communities. Builders are increasingly catering to NRIs by constructing high-quality residential projects with modern amenities and specialized services15. Non-metro cities such as Kochi, Coimbatore, and Trivandrum are also gaining traction among NRIs due to their affordable investment options and the growing rental markets16. NRIs contribute between 8% to 10% of annual property sales in India15, showcasing their sustained interest.

Commercial Investments

Commercial properties in booming business districts offer higher rental incomes and potential for substantial capital appreciation. NRIs are increasingly turning towards India properties for NRI investment in commercial real estate due to strong economic growth and urban development15. Prime locations in cities like Mumbai, Delhi, and Bangalore are ideal for such investments. Conducting thorough background checks before purchasing any property is crucial to safeguarde investments15.

Land Investments

Investing in land can offer flexibility and higher long-term returns, especially in emerging markets. NRIs are not permitted to invest in agricultural land, farmhouses, or plantation properties due to FEMA regulations16. However, non-agricultural land in growing Tier 2 and Tier 3 cities like Pune, Jaipur, and Lucknow offers great NRI property investment opportunities as these areas are developing fast and have strong rental markets16.

Financial Benefits of Investing in Indian Real Estate

Financial benefits of investing in Indian real estate

Investing in Indian real estate offers a range of financial benefits, which make it an attractive option for both domestic and international investors. The Indian real estate sector is projected to grow significantly, creating opportunities for substantial gains.

High Rental Yields

One of the key real estate investment benefits in India is the potential for high rental yields. Major cities such as Delhi, Mumbai, and Bengaluru offer strong Return on Investment (ROI) potential17. Growing demand for rental markets in these cities contributes to an ongoing source of income, especially appealing to Non-Resident Indians (NRIs) who seek a consistent revenue stream17. Rental income is also exempt from self-employment taxes, providing additional financial benefit18.

Capital Appreciation

Real estate capital appreciation is another compelling advantage. The sector is expected to grow from US$ 200 billion in 2021 to US$ 1 trillion by 203018. Such growth indicates a robust potential for property value increases. Additionally, scarcity of land and high demand in metropolitan areas contribute to higher property values, making capital appreciation a significant benefit for investors. For NRIs, investments in urban areas like Pune, Ahmedabad, and Kochi offer substantial appreciation potential due to these cities’ developing technology and education hubs19.

Tax Benefits

Tax benefits play a crucial role in the attractiveness of Indian real estate investment benefits. Under Section 80C of the Income Tax Act, home loan principals can allow a tax saving of up to Rs 1.5 lakh18. Furthermore, interest payments on home loans can be reduced by up to Rs 2 lakhs under Section 2418. NRIs can also claim similar deductions for home loan interest and principal repayment, making it cost-effective to invest19. Favorable exchange rates further enhance affordability for NRIs, making real estate investments in India more accessible17.

The growing priority for spacious homes post the COVID-19 pandemic, coupled with government initiatives like the Smart Cities Mission, drives further enhancement in Tier 2 and Tier 3 cities19. This shift creates an influx of investment opportunities, promoting both affordable housing and luxurious properties that cater to diverse investor needs

In essence, the financial benefits of investing in Indian real estate are multifaceted, encompassing high rental yields, substantial capital appreciation, and a range of tax advantages. These combined factors offer a lucrative proposition for investors looking to diversify their portfolios with Indian real estate.

Challenges and Risks in Indian Real Estate Investment

While the Indian real estate market offers numerous opportunities, investors must also be aware of the inherent challenges and risks. Identifying and understanding these aspects is crucial for mitigating potential pitfalls.

Regulatory Risks

Regulatory challenges in real estate are significant hurdles. Changes in laws, such as those governed by the Foreign Exchange Management Act (FEMA), can materially impact investment outcomes. For instance, delays in regulatory compliance and approval processes contribute to an estimated 15% additional cost for developers20. Moreover, around 40% of proposed real estate projects are affected by land acquisition issues, leading to project delays and cost overruns20. Ensuring adherence to local regulations like the Real Estate (Regulation and Development) Act (RERA) can enhance transparency and protect investors from misrepresentation cases21.

Market Volatility

Market volatility in India is a considerable factor that can affect property values and returns on investment. The Indian real estate sector is expected to reach a market size of USD 1 trillion by 2030, demonstrating its growth potential but also highlighting the susceptibility to economic fluctuations20. Market volatility is often influenced by economic changes and political instability, which can affect investor confidence. For example, approximately 25% of investors in the real estate market express concerns about transparency and governance issues in property transactions20. The percentage of vacant residential units in urban areas stands at nearly 10%, further emphasizing the impact of market volatility on investment returns20. To navigate these challenges, strategic planning and risk management are imperative. Leveraging property management services for regular inspections can help address these issues early and maintain investment value21.

Understanding local laws and engaging professionals can mitigate multiple challenges that non-residents face, especially concerning regulatory risks and market volatility in India20. Employing financial planning and diversification strategies can also enhance decision-making and risk mitigation.

How to Start Investing in Indian Real Estate

To successfully navigate the Indian real estate market, it’s crucial to start with a clear understanding of your investment goals and financial situation. By choosing properties in India that align with your objectives, you can maximize returns and mitigate risks. The journey begins with selecting the right property, consulting reputable real estate agents, and exploring various financing options available.

Choosing the Right Property

When considering how to invest in Indian real estate, selecting the right property is paramount. Investors should conduct thorough research, taking into account location, property type, and potential returns. Urban areas like Mumbai and Delhi often promise high appreciation in property value, while smaller cities may offer more affordable prices and significant growth potential. Luxury homes in big cities can exceed $1 million, whereas decent apartments in smaller towns range from $50,000 to $100,00022. Real estate markets are characterized by stable growth and high returns, making them attractive to investors23.

Working with Real Estate Agents

Partnering with experienced real estate agents in India can provide invaluable insights. These professionals understand local markets and can guide you through the complexities of property transactions, including navigating legal requirements and assessing property documents. Their expertise ensures that you make informed decisions, whether you’re looking for residential or commercial properties. Seeking assistance from real estate agents in India can significantly enhance your investment strategy and outcomes.

Financing Options

Understanding various financing options is vital for a smooth investment experience. Investors can explore traditional avenues such as bank loans and mortgages or consider alternative methods like Real Estate Investment Trusts (REITs), Real Estate Mutual Funds (REMFs), and Peer-to-Peer (P2P) lending. Minimum investments for REITs can be as low as INR 5,000, while P2P lending can start with INR 5,00023. Additionally, foreign entities can invest in Indian REITs, offering another layer of accessibility22. These options not only diversify your portfolio but also provide flexibility in managing your finances effectively.

Thorough research and a strategic approach to financing can turn real estate into a solid investment avenue, whether through direct property ownership or diversified investment products. For more detailed information on how to invest in Indian real estate and to explore various investment methods, you can visit Scripbox23.

Conclusion

The journey to Buy Property in India is filled with diverse opportunities, from thriving urban luxury homes to lucrative commercial plots. This growing market promises an exciting horizon for investors, driven by India’s robust economic trends and supportive government policies.

Understanding the intricate legal framework and compliance requirements, such as FEMA regulations and RBI guidelines, is essential for a successful real estate investment in India. Crucially, NRIs and foreign investors must be aware of specific restrictions and documentation mandates to ensure a seamless acquisition and ownership process learn more about these guidelines.

In summary, with strategic planning and careful decision-making, investors can effectively leverage the dynamic Indian real estate market. From residential to commercial properties, the promise of capital appreciation and high rental yields makes this sector a compelling choice for securing long-term investments24. Thus, investing in Indian real estate could be a judicious step for those looking to diversify their portfolios and capitalize on emerging markets2425.

FAQ

What makes investing in Indian real estate a good option?

The Indian real estate market offers significant investment opportunities due to its rapid urbanization, economic growth, and government development projects. These factors contribute to property value appreciation and high rental yields, making it an attractive option for investors.

Which cities are considered the best for real estate investment in India?

Major cities like Mumbai, Delhi, Bangalore, and Hyderabad are top choices for real estate investment. Mumbai is known for high rental yields, Bangalore for its booming IT industry and modern infrastructure, Delhi for its expanding commercial investments, and Hyderabad for its affordability and rapid growth.

What types of properties are available for investment in India?

Indian real estate offers a diverse range of properties, including residential properties, commercial properties, lands and plots, and luxury homes. Each type caters to different investment needs and offers various benefits, from high rental yields to value appreciation.

How can I stay updated on market trends and developments in Indian real estate?

Keeping abreast of market trends, recent developments, and future projections is crucial. Government initiatives like “Housing for All” and increased foreign direct investment impact the market significantly. Following industry news and relying on reputable real estate agents can help you stay informed.

What legal considerations should I be aware of when buying property in India?

When purchasing property in India, it’s important to understand and comply with FEMA regulations, RBI guidelines, and necessary documentation requirements. These include identity proofs, land titles, and tax records to ensure a smooth transaction, especially for NRIs.

What opportunities exist for NRIs to invest in Indian real estate?

NRIs have various investment opportunities in Indian real estate, including residential properties, commercial investments, and land purchases. These investments are supported by regulatory frameworks like FEMA, offering potential rental yields and capital appreciation.

What financial benefits can investors expect from Indian real estate?

Investors can expect high rental yields, significant capital appreciation, and various tax benefits when investing in Indian real estate. These financial incentives contribute to the overall profitability and attractiveness of the market.

What are the main challenges and risks associated with Indian real estate investment?

Investing in Indian real estate comes with challenges such as regulatory risks, market volatility, and economic fluctuations. Understanding these risks and planning strategically is crucial for managing potential downsides and maximizing returns.

How should one start investing in Indian real estate?

Begin by choosing the right property based on thorough research and financial objectives. Working with reputable real estate agents can provide valuable insights and assistance in navigating the market. Understanding financing options, including loans and mortgages, can make the investment process smoother.

Source Links

  1. https://www.sobha.com/blog/nri-investment-in-indian-real-estate/
  2. https://lawyer-india.com/buy-property-in-india/
  3. https://www.rustomjee.com/blog/nri-buying-property-in-india/
  4. https://lancor.in/nri-invest-in-indian-real-estate/
  5. https://wise.com/us/blog/buying-property-in-india
  6. https://www.sobha.com/blog/best-cities-for-real-estate-investment-in-india/
  7. https://housiey.com/blogs/top-10-cities-for-real-estate-investment-in-india-2024
  8. https://www.homebazaar.com/knowledge/10-best-cities-in-india-for-real-estate-investment-in-2021/
  9. https://www.luxuryresidences.in/blog/top-6-ways-to-start-real-estate-investment-in-india
  10. https://www.hcorealestates.com/post/best-options-for-real-estate-investment-in-india
  11. https://www.constructionworld.in/latest-construction-news/real-estate-news/understanding-the-indian-real-estate-market–a-guide-for-first-time-buyers/64077
  12. https://silagroup.co.in/a-beginners-guide-to-investing-in-real-estate-in-india/
  13. https://www.mea.gov.in/images/pdf/acquisition-and-transfer-of-immovable-property-in-india.pdf
  14. https://www.propertyok.com/blog/real-estate-laws-in-india/
  15. https://www.hdfcbank.com/personal/resources/learning-centre/save/quick-guide-on-nri-investment-in-india-real-estate
  16. https://www.lntrealty.com/blogs/rbi-guidelines-for-nri-investment-in-real-estate/
  17. https://www.omaxe.com/blog/key-benefits-of-nri-investment-in-indian-real-estate/
  18. https://www.sobha.com/blog/advantages-of-investing-in-real-estate/
  19. https://raymondrealty.in/blog/key-facts-on-nri-investment-in-india/
  20. https://www.wrightresearch.in/encyclopedia/chapter-report/chapter-6-challenges-and-investor-overview-of-indias-real-estate-sector/
  21. https://lawcrust.com/nri-real-estate-challenges-india/
  22. https://www.investasian.com/property-investment/invest-in-india/
  23. https://www.linkedin.com/pulse/real-estate-investment-india-beginners-guide-inr-10000-garv-garg
  24. https://www.sobha.com/blog/nri-buying-property-india-guide/
  25. https://www.godigit.com/life-insurance/wealth-management/investments/how-many-properties-can-one-person-own-in-india

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