00:28So, this is an interesting question.
00:32we are going to get a good home loan.
00:35If you want to get a home loan,
00:37I think that's a good loan.
00:40My opinion is in India,
00:42an intelligent decision.
00:45If you want to get a home loan,
00:47Indian middle class debt to income is 32-33.
00:51In the world,
00:52in any big country,
00:53this is the 20% increase.
00:54In the US and China,
00:55we have also the 20%.
00:56People are beginning to come behind the countries.
00:59It's been a part of this.
01:00People are asking the loss for the Me Даже.
01:06They are not paying for the loan loan.
01:10They are paying for credit card,
01:12they are paying for personal loan.
01:14Breakpoint is in case of 7 Well,
01:16one Eric shows must have 700 loan.
01:18They are paying for personal loan,
01:20which means of $670,
01:21and now,
01:22it is not paying for the loan.
01:24That's why I thought it was a good situation.
01:27We have a lot of affluent people in Mumbai
01:29in financial markets.
01:31Affluent families have a civil statement.
01:35They have 15, 20, 25 personal loans.
01:38They have not been able to repay their loans.
01:42This is the first result.
01:43If you have a lot of loans,
01:46social media has become a problem
01:48that your lifestyle is full and glamorous.
01:50You have a lot of loans.
01:52The second result is consumption.
01:55If you have 10-15 years of data,
01:58you can see the consumption growth in the color TV
02:02or mobile phone.
02:03All the consumption growth lines,
02:05in 2011-2012,
02:08which had double-digit volume growth,
02:10they didn't see.
02:13If you have 4-5% volume growth,
02:16people will celebrate.
02:18If you have 4-5% volume growth,
02:20they will declare it.
02:21It should be a celebration of the world.
02:24In 2011-2011,
02:26if you have 12-13% volume growth,
02:28we, like the market,
02:30would be the same.
02:31So, the amount of consumption,
02:32the amount of consumption,
02:32the amount of consumption.
02:33In 2016-2026,
02:35to March 2016-2026,
02:38it will be a lot of strategies to get
02:39to get the consumption into the world.
02:41Income tax,
02:42GST,
02:44interest rates,
02:45and some of the consumption
02:46was still getting bigger.
02:48Unfortunately,
02:49the Iran war was still on.
02:51And then,
02:51I think,
02:51it will see the story of consumption
02:53in the coming months,
02:55especially as summer kicks in
02:58and food prices start rising.
03:28And I think,
03:29which has been requested to work from home,
03:31such as for gig jobs, people will work from home,
03:35I think the commercial market is also seen in the office space.
03:38However, this has been in America.
03:43In the big cities,
03:44there has been pressure on residential and commercial real estate
03:49because the whole technology has changed its way to work.
03:56We have seen all these things in COVID,
03:58but it seems that now these things will start to be more permanent
04:04because in that period,
04:06AI didn't have enough access to our work.
04:09But in this way,
04:12it started to start working on jobs.
04:14But now these challenges are coming.
04:16Do you work from home,
04:18these situations will be more than here?
04:21Yes.
04:23Saurabh Ji, your point has been very curious.
04:25In a way, COVID was the first experiment in the world.
04:29I think it was a reasonable successful experiment.
04:311.5-2 years ago,
04:33we worked at home.
04:35The work was done.
04:37The fact is that if you look at the USA,
04:39if you look at the market,
04:40if you look at the market,
04:41you look at the COVID-19 market,
04:42it hasn't been fully returned to office.
04:44If you look at the USA and Europe,
04:4635% of the time,
04:48people work at home.
04:49It's been a long time.
04:50After 2 days,
04:52people work at home.
04:54But I think that the Gulf War,
04:56the Iran War,
04:57the growth of the oil,
04:58I think the work from home is inevitable,
05:00like fuel prices will increase,
05:02and people will go to work from home.
05:04But you have said the best thing about it.
05:06Technology has been so advanced in the last 5 years.
05:09In 2021 and in 2026,
05:11technology has been so increased,
05:13that work from home has become easier.
05:16And in which way,
05:17the AI structure of work is changed.
05:21In which you have a co-worker,
05:22in which you have a co-worker,
05:24your colleague,
05:25your colleague,
05:26or co-pilot,
05:28you will get work from home,
05:30and you will also get the work from home.
05:31And the whole freelance work,
05:33the gig work,
05:34that branch will be established permanently.
05:41I think it will get the benefit of our country,
05:43tier 2, tier 3 cities.
05:45I already see that,
05:46Chandigarh, Nagpur,
05:49Coimbatore, Jaipur,
05:51these cities will get the work from home,
05:53and I will not have traffic from Gurghaw and Bangalore.
05:57I will not have traffic from Gurghaw and Bangalore.
05:59I will not have traffic from Gurghaw and Bangalore.
06:00I will have peace in a small city.
06:03And I will also have my gig work from home.
06:06If I work in the office,
06:08I will work in a large city,
06:10and I will have to work in a large city.
06:13So the structure of how we live and work,
06:15I will have to work.
06:17Partly because of the technological changes,
06:20and partly because of the Gulf War
06:21we have been working in the US.
06:22The titles of the US,
06:22bada diya hai
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