A Gurugram flat bought for ₹2 crore in 2019 is worth about ₹4.3 crore today. If it earns ₹12 lakh a year in rent, that feels like 6%. On today's value it is under 3%, before a single rupee of cost.
In Episode 1 of Brick & Balance Sheet, Rajat Dhar looks at real estate the way a portfolio manager would: the data, the framework, and what to do with property that isn't working.
▸ YOUR FOUR-BOX REAL ESTATE AUDIT
Send us your property list (location, rough current value, rent if any, any loan against it) and our team will walk you through it.
WhatsApp: https://wa.me/919560489579
Email: wealth@finogentadvisory.zohodesk.com
▸ CHAPTERS
00:00 The flat that doubled and still underpays
02:52 What really happened in Gurugram
07:30 Why property suddenly feels safe
11:18 The portfolio manager's three numbers
14:31 The four-box real estate audit
17:27 A composite family: where the money hides
19:51 Four routes out of a sleeper
20:41 REITs, SM REITs and pre-leased commercial
24:11 The tax you trigger when you sell
25:20 Five questions before you sign the cheque
26:11 What to watch next
▸ IN THIS EPISODE
• What really happened in Gurugram's luxury market in H1 2026: a mix shift, not a demand collapse
• Why property feels safe again, and three myths that cost families money
• The three numbers every property owner should know: net yield on today's value, opportunity cost, concentration
• The Four-Box Real Estate Audit: Home, Earner, Grower, Sleeper
• Four ways to wake a "sleeper" property, and where institutions are putting money
• Tax before you exit, and five questions before your next real estate cheque
▸ MORE FROM FINOGENT INSIGHTS
- The Founder's Ledger: for leaders whose wealth sits in one company (new this week)
- The Income Years: wealth that pays you, for life (new this week)
- The Allocator's Chair: conversations with CIOs and fund managers
Subscribe: https://www.youtube.com/@RajatDharMoneySage?sub_confirmation=1
▸ DISCLOSURES
This video is for investor education only. It does not constitute investment advice, research, or a solicitation of any product or project, and names no specific fund, issuer, developer or project. Finogent Solutions LLP (LLPIN AAF-4406) is an Authorised Person of SMC Global Securities Ltd. (SEBI INZ000199438; BSE AP01047001117533; NSE AP0820565354). Rajat Dhar is registered as Mutual Fund Distributor (AMFI ARN-84353, EUIN 069828), PMS/AIF Distributor (APMI APRN04196, EUIN E06147), and HRERA Real Estate Agent (RC/HARERA/GGM/4708/4303/2026/743, Haryana Real Estate Regulatory Authority, Gurugram; verify at haryanarera.gov.in). Finogent earns distribution commission, trail or brokerage from products and properties it distributes; this is disclosed plainly. Investments in securities markets are subject to market risks; read all scheme-related documents carefully. Real estate investments are illiquid and carry market-cycle, developer-execution and land-title risk; past appreciation of any location is not indicative of future results. Past performance is not indicative of future results. AI-assisted content preparation. Full disclosures: https://www.finogent.com/disclosures
#BrickAndBalanceSheet #FinogentInsights #RealEstateIndia
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𝐖𝐡𝐚𝐭 𝐖𝐞 𝐎𝐟𝐟𝐞𝐫:
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𝘉𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘚𝘰𝘭𝘶𝘵𝘪𝘰𝘯𝘴
𝘔𝘢𝘳𝘬𝘦𝘵 𝘐𝘯𝘴𝘪𝘨𝘩𝘵𝘴 & 𝘙𝘦𝘴𝘦𝘢𝘳𝘤𝘩
𝘐𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 & 𝘙𝘪𝘴𝘬 𝘔𝘢𝘯𝘢𝘨𝘦𝘮𝘦𝘯𝘵
𝘓𝘦𝘯𝘥𝘪𝘯𝘨 & 𝘓𝘦𝘷𝘦𝘳𝘢𝘨𝘦 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴
𝘚𝘵𝘢𝘺 𝘜𝘱𝘥𝘢𝘵𝘦𝘥: 𝘔𝘢𝘬𝘦 𝘴𝘶𝘳𝘦 𝘵𝘰 𝘩𝘪𝘵 𝘵𝘩𝘦 𝘯𝘰𝘵𝘪𝘧𝘪𝘤𝘢𝘵𝘪𝘰𝘯 𝘣𝘦𝘭𝘭 𝘴𝘰 𝘺𝘰𝘶 𝘯𝘦𝘷𝘦𝘳 𝘮𝘪𝘴𝘴 𝘢𝘯 𝘶𝘱𝘥𝘢𝘵𝘦 𝘰𝘯 𝘵𝘩𝘦 𝘭𝘢𝘵𝘦𝘴𝘵 𝘮𝘢𝘳𝘬𝘦𝘵 𝘵𝘳𝘦𝘯𝘥𝘴, 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘵𝘪𝘱𝘴, 𝘢𝘯𝘥 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘴𝘵𝘳𝘢𝘵𝘦𝘨𝘪𝘦𝘴. 𝘓𝘦𝘵'𝘴 𝘨𝘳𝘰𝘸 𝘵𝘰𝘨𝘦𝘵𝘩𝘦𝘳!
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