Future of Islamic finance in India

The global economic market is undergoing through dramatic changes that increases the risk of investment in developed and developing countries.  But Indian banks and financial institutions managed this economic crisis by maintaining the growth rate. Indian economy still grants investment opportunities to big and small industries for short and long term. Realizing this fact Islamic investment is getting more acceptance. Also Economists predict huge scope for Islamic finance in India by analyzing the present Indian economic conditions. By understanding this government of India has appointed a high level committee to analyze the future scope of interest free banking in India.

The world economy is now shifting from Europe to Middle East and South East Asia; in this context, foreigners have recognized Indian markets as a better place for investment. Secura is a well structured venture capital investment company in India where funds are organized under the provision of Indian trust Act 1882. Secura is an Islamic finance company that conducts business based on Islamic or shariah laws. Islamic financing companies all around the world never invest funds in unethical business ventures like manufacturing of narcotic or tobacco products, gambling and in any business related to non-halal products. These principles help to increase the moral values in the society and assure better economic growth rate too.

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Scope of Real Estate Investments in India

Real estate is typically about buying and selling of land and holdings. Real estate investment is the process that involves purchase, sales and management of real estate for revenue. Real estate investment has become a common investment tactics and become increasingly popular over the last few decades.  Indian real estate market growth is not restricted in towns and cities, about 80% of the real estate investment occupies in Indian residential space. The investment in this field is increasing due to the interest of foreign investors in Indian real estate economy.

Indian Real estate Investment
Real Estate Mutual Funds (REMF) and Real Estate Investment Trusts (REIT) boosts up the Indian real estate sector. REIT will invest in real estate and they provide above average returns to their investors.  Their objective is to organize the entire real estate sector in India. As the requirement of commercial office space is getting increased this automatically cause a hike in India real estate market. By 2020 Indian real estate market is expected to cross that of US. With the joint investment of private equity funds and non- banking financial companies results in an increase in Indian real estate sector. Apart from all these NRI investment largely impact in short term and long term real estate investments in India.

Secura Real Estate Fund and Domestic Schemes
Secura, is a SEBI registered investment management company in India that focuses on real estate and allied sectors in India. The two real estate fund schemes launched by Secura investment manager is a close- ended venture capital fund which is subjected to the existing rules and regulations in India. Real estate scheme 1 was launched in 2009 and Scheme 2 was introduced in 2012. Secura is the first SEBI registered real estate venture capital fund in India.

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Islamic Finance- Principles and Practices

Islam is not just a religion in normal sense of word, but it’s a complete way of life. Islam guides man throughout his entire life and is always concerned about all pace of living. It’s concerned about moral, spiritual, political, social and economic life aspects of human being. Islamic finance is such an activity that is emerged based on the principles of Islamic laws. Islamic law also called Shariah prohibits the acceptance any kind of interest for loan amounts (called riba) in any manner.

Islamic finance is completely based on the concepts of Islamic economics and its main principles are prohibiting interest for loans, avoiding gambling, avoiding investment in prohibited industries and driving clear of uncertainty based transactions. Islamic finance always encourages shared risk and zakat by promoting social justice. Sharing risk between the financial institutions is based on long term relationships between them. Islamic insurance (called takaful) also involves shared risk management and mutual responsibility.

Conventional banking practice is all about eliminating risk where as Islamic banking is completely based on risk bearing. In conventional banking banks have the sole right to cancel the contract where in case of Islamic finance and banking sole right to cancel the contract is not in their hands. The differences in banking terminologies reflect in the contractual relationships of each banking system. The objectives and practices that drive Islamic finance are completely based on Islamic theory of economics which promote justice and social responsibility.

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