u/PangolinAwkward3978

I feel very underconfident, a lot of self-doubt. Whatever I do, my hands shake. Whatever I do, my first thought is "I did this wrong." I can't make decisions. Today I even entered the expressway from the wrong direction, and because of that I traveled about 60 km extra and paid an extra toll — it felt so bad, like no one could be dumber than me. I feel like I've become really stupid.

I don't know what happened, but just now while studying, I looked at the balcony, and my second thought was to climb up there and end it. Then I thought about how Papa would get here — would he come by bus or train? Then I imagined that if I didn't die, I'd regret it even more, still being alive, having to hear people say things like "why did you take such a big step over something so small, now everyone will think you're weak." I imagined my brother thinking "he had to do this right after coming here."

Then, looking at my brother and sister-in-law, I also thought — I don't want to get married, and if I don't succeed at anything, I'll leave everything and become a monk somewhere, and never show my face to my family again — just touch their feet one last time and leave.

I don't know what's happening to me. Please tell me what's going on

I feel like its easy for me to die than living

And all this thoughts of me being dead come many times to me

I feel very underconfident, a lot of self-doubt. Whatever I do, my hands shake. Whatever I do, my first thought is "I did this wrong." I can't make decisions. Today I even entered the expressway from the wrong direction, and because of that I traveled about 60 km extra and paid an extra toll — it felt so bad, like no one could be dumber than me. I feel like I've become really stupid.

I don't know what happened, but just now while studying, I looked at the balcony, and my second thought was to climb up there and end it. Then I thought about how Papa would get here — would he come by bus or train? Then I imagined that if I didn't die, I'd regret it even more, still being alive, having to hear people say things like "why did you take such a big step over something so small, now everyone will think you're weak." I imagined my brother thinking "he had to do this right after coming here."

Then, looking at my brother and sister-in-law, I also thought — I don't want to get married, and if I don't succeed at anything, I'll leave everything and become a monk somewhere, and never show my face to my family again — just touch their feet one last time and leave.

I don't know what's happening to me. Please tell me what's going on.

And this is like one of the many times every time the same thought of my death

I feel very underconfident, a lot of self-doubt. Whatever I do, my hands shake. Whatever I do, my first thought is "I did this wrong." I can't make decisions. Today I even entered the expressway from the wrong direction, and because of that I traveled about 60 km extra and paid an extra toll — it felt so bad, like no one could be dumber than me. I feel like I've become really stupid.

I don't know what happened, but just now while studying, I looked at the balcony, and my second thought was to climb up there and end it. Then I thought about how Papa would get here — would he come by bus or train? Then I imagined that if I didn't die, I'd regret it even more, still being alive, having to hear people say things like "why did you take such a big step over something so small, now everyone will think you're weak." I imagined my brother thinking "he had to do this right after coming here."

Then, looking at my brother and sister-in-law, I also thought — I don't want to get married, and if I don't succeed at anything, I'll leave everything and become a monk somewhere, and never show my face to my family again — just touch their feet one last time and leave.

I don't know what's happening to me. Please tell me what's going on.

This is one of the many times i think about all this scenarios in my head being alone and me imagining myself dead

​

I’ve been trying to learn how mid to large developers structure funding for residential and commercial projects, especially in Tier-1 and Tier-2 cities.

From what I gather, most projects rely on a combination of:

* Debt + equity structures instead of pure bank loans

* Tenures around 3–5 years aligned with RERA timelines

* Funding sizes anywhere from ₹50 Cr to ₹2000+ Cr depending on scale

* Stage-wise disbursements linked to construction progress

Eligibility seems to depend heavily on:

* Developer track record and completed projects

* Clean financials and promoter credibility

* Approvals, sales velocity and project feasibility

I wanted to hear from people who’ve actually dealt with this:

• What funding route worked better – banks, NBFCs, AIFs, or private investors?

• How tough is it to get equity partners compared to plain debt?

• What mistakes usually delay sanctions or disbursements?

• How do experienced developers balance leverage without getting stuck with high finance cost?

Looking for practical insights rather than theory. Would love to hear real experiences from developers, investors, and finance folks here. DM me

Understanding funding options for large real estate projects in India

I’ve been trying to learn how mid to large developers structure funding for residential and commercial projects, especially in Tier-1 and Tier-2 cities.

From what I gather, most projects rely on a combination of:

* Debt + equity structures instead of pure bank loans

* Tenures around 3–5 years aligned with RERA timelines

* Funding sizes anywhere from ₹50 Cr to ₹2000+ Cr depending on scale

* Stage-wise disbursements linked to construction progress

Eligibility seems to depend heavily on:

* Developer track record and completed projects

* Clean financials and promoter credibility

* Approvals, sales velocity and project feasibility

I wanted to hear from people who’ve actually dealt with this:

• What funding route worked better – banks, NBFCs, AIFs, or private investors?

• How tough is it to get equity partners compared to plain debt?

• What mistakes usually delay sanctions or disbursements?

• How do experienced developers balance leverage without getting stuck with high finance cost?

Looking for practical insights rather than theory. Would love to hear real experiences from developers, investors, and finance folks here. DM me

​

I’ve been trying to learn how mid to large developers structure funding for residential and commercial projects, especially in Tier-1 and Tier-2 cities.

From what I gather, most projects rely on a combination of:

* Debt + equity structures instead of pure bank loans

* Tenures around 3–5 years aligned with RERA timelines

* Funding sizes anywhere from ₹50 Cr to ₹2000+ Cr depending on scale

* Stage-wise disbursements linked to construction progress

Eligibility seems to depend heavily on:

* Developer track record and completed projects

* Clean financials and promoter credibility

* Approvals, sales velocity and project feasibility

I wanted to hear from people who’ve actually dealt with this:

• What funding route worked better – banks, NBFCs, AIFs, or private investors?

• How tough is it to get equity partners compared to plain debt?

• What mistakes usually delay sanctions or disbursements?

• How do experienced developers balance leverage without getting stuck with high finance cost?

Looking for practical insights rather than theory. Would love to hear real experiences from developers, investors, and finance folks here. DM me

I’ve been trying to learn how mid to large developers structure funding for residential and commercial projects, especially in Tier-1 and Tier-2 cities.

From what I gather, most projects rely on a combination of:

* Debt + equity structures instead of pure bank loans

* Tenures around 3–5 years aligned with RERA timelines

* Funding sizes anywhere from ₹50 Cr to ₹2000+ Cr depending on scale

* Stage-wise disbursements linked to construction progress

Eligibility seems to depend heavily on:

* Developer track record and completed projects

* Clean financials and promoter credibility

* Approvals, sales velocity and project feasibility

I wanted to hear from people who’ve actually dealt with this:

• What funding route worked better – banks, NBFCs, AIFs, or private investors?

• How tough is it to get equity partners compared to plain debt?

• What mistakes usually delay sanctions or disbursements?

• How do experienced developers balance leverage without getting stuck with high finance cost?

Looking for practical insights rather than theory. Would love to hear real experiences from developers, investors, and finance folks here. DM me

Understanding funding options for large real estate projects in India

I’ve been trying to learn how mid to large developers structure funding for residential and commercial projects, especially in Tier-1 and Tier-2 cities.

From what I gather, most projects rely on a combination of:

* Debt + equity structures instead of pure bank loans

* Tenures around 3–5 years aligned with RERA timelines

* Funding sizes anywhere from ₹50 Cr to ₹2000+ Cr depending on scale

* Stage-wise disbursements linked to construction progress

Eligibility seems to depend heavily on:

* Developer track record and completed projects

* Clean financials and promoter credibility

* Approvals, sales velocity and project feasibility

I wanted to hear from people who’ve actually dealt with this:

• What funding route worked better – banks, NBFCs, AIFs, or private investors?

• How tough is it to get equity partners compared to plain debt?

• What mistakes usually delay sanctions or disbursements?

• How do experienced developers balance leverage without getting stuck with high finance cost?

Looking for practical insights rather than theory. Would love to hear real experiences from developers, investors, and finance folks here. DM me

Also it would be great if it is airconditioned

I am a CA student so is there any ICAI branch library too??

Hey so I am m21 currently stuck at CA inter

I saw about FRM Finance Risk Manager course and was curious that is it good at india how is the job market for it

Also how the course is??

If anyone have any knowledge about it please share with me

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Hi there so i am currently 21M from Commerce background I want to ask like what is in demand for a commerce background student for the job market in India?

I got to know about Finance Risk Manager course is it good for Indian markets

If anyone have any knowledge about me please share with me too

I mean i use to follow a diet where i use to eat only Boiled daal with roti or rice as lunch

And the same in dinner with 2 boiled eggs or sometimes some sabji too

And i lost around 8 kgs this i did around November

Fast forward to today

After 6 months I am at 79 kgs the reason behind it was lot of stress eating and junk from last 3 4 months

Should i follow the same diet again?

Whats the release date of IGL 2 is it 16th June?

Hi there If anyone is interested in Financing real-estate project at a lower roi pls dm me

Over the past few months, I’ve observed an interesting shift in how small to mid-sized real estate developers are approaching project funding, especially in cities like Mumbai, Pune, Ahmedabad, Bangalore, NCR, Kolkata, and Hyderabad.

With bank processes becoming more stringent and timelines slower, some developers are turning to foreign private finance companies for project-specific funding. These lenders seem to offer faster disbursements and competitive interest rates, in some cases starting around 9.5%, depending on project viability.

The trend is subtle but growing, especially among developers who already have land and approvals but are stuck due to working capital gaps or early-stage funding issues. It's a space I’ve been closely observing due to some recent professional exposure.

Curious to know if others in the real estate ecosystem are seeing the same trend – is this becoming a viable alternative to traditional NBFC or bank-based project finance?

Hey guys, So basically I am a financial consultant And if any builder want funds in the form of structural debt I can provide you at rates lower than current market rate Just DM me Fell free to contact

Thank you..!

I am curious to know how a real estate deal is made in the form of debt or anything what's the process

Also i am capable of arranging the same

Dm

Hello guys

So I want builders who want to raise structural debt for their project both Commercial as well as residental.

I can arrange it for you

Do Dm if anyone is interested!

Hi there If anyone is interested in Financing real-estate project at a lower roi pls dm me