When and what circumstances we should use ref cursor?

Ref cursor is classic option when we want to return the query output into any front end application. We can use ref cursor when you are not able to accomplish the task through normal cursor. REF CURSOR is flexibility feature, but not performance feature. Ref cursor is bad choice when performance is a concern and able to accomplish the task by using regular cursor. Ref cursor always consumes time to process the query compared to normal cursor. So ref cursor should be used only place where it is required.