9 th Group Housing Project at Varthur A Group of Professionals from Bangalore

The proposed view of the project

9 th Project Summary Rs lakhs for 2BHK measuring 1000 sq.ft. and Rs lakhs for 3BHK measuring 1500 sq.ft (Price inclusive of all such as Reg charges, car park, all deposits, amenities etc.) 10 acre land Around 900 Flats comprising of 2 & 3 BHKs. High-rise with minimum 12 stories building and BBMP Approved World class modern amenities Located at Varthur-Gunjur Main Road Approx 72 people needed, 48 already joined in the last week Benefits :- Safe Investment, Getting a Flat in less than 45% of the market price.

OC & CC, A-Khata Flats at 10 acres land with all world class amenities

A Comparison study of Price in two different scheme: OUR SCHEME (Land owner)BUILDER SCHEME (housing loan) 1. Per sq.ft. rate Rs. 2330/- which includes the followings :- 1. Per sq.ft. rate Rs. 4000/- (Only Basic Rate) Registration charges : 6.66%2. Registration charges : 6.66% VAT & Service Tax – NIL3. VAT & Service Tax : 8.12% i.e. Rs. 325/- psf. BESCOM Deposit4. BESCOM Deposit : 0.85 Lakh BWSSB Power Back-up & Intercom Car Parking 5. BWSSB : 0.80 Lakhs 6. Power Back-up & Intercom : 0.80 Lakh 7. Car Parking – 1.50 Lakhs Amenities8. Amenities : 2.5 lakhs Club membership9. Club membership : 2 lakhs Other charges such as Paper Notice, Advocate fees, Partition Deed, Brokerage, Land Paper Book printing, Registration Office Exp, etc. 10. Administrative & legal fees : Total price (including all): lakhsTotal price (including all) : lakhs # Study is based on 1000 sq-ft It can be seen from the above comparative table that instead of buying a Flat from Builder, an individual saves 57.40% i.e. Rs Lakhs plus a huge amount of Interest thereon and invests only 42.60% in our Scheme for the same flat.

Group Housing Project WHY? -Average price of high rise flats (2BHK) in East Bangalore like Whitefield, Marathahalli, Sarjapur road, KR Puram, Varthur, Gunjur, etc cost around 55L-80L without any deviation (OC & CC) and with all high end amenities. HOW WE DO? -We as a group gather like minded friends/known persons and buy a land which is registered in all the person’s name. Subsequently, we enter into a joint venture with good builders and get a Registered Flat. The cost of 2 BHK Flat in this project works out to Rs Lakhs for 1000 Sq Ft as land owner’s share. Whereas, the Market Rate of the similar Flat in the same area would be around Rs. 55- Lakhs. RISK? -NIL. No risk since we are investing the money in the Land and getting an Undivided Share in the Land. In this project, the persons investing for 2BHK will be getting a land measuring 945 sq ft as UDS in the Land. The Market Value of the 945 sq ft of land including Registration etc is approx Rs. 30 Lakh in this area. -No registration-no-payment WHO ARE INVOLVED? We are the group of Professionals like Engineers, CA, MBA from Software, Central Govt., PSU with age group of make a team.

How does this worked out so cheap? We gather some like minded people Go for joint development with a reputed builder and get a flat as land owner Buy a land all together

The process of buying house CONVENTIONAL METHODOUR IDEA Bank pays 80% & you pay 20% for buying a house through housing loan. You pay Rs. 8-9 lakh and Bank will pay Rs lakh as personal loan and vice-versa. E.g., for Rs. 60 lakh flat, you pay Rs. 12 lakh and bank pays Rs. 48 lakh as loan To See the Comparison, Please see the Table provided in the Next Slide. EMI for Rs. 48 lakh for 20 years at 10.5% is Rs Carry this till retirement Make your house as “EMI Free House” after 5 years. CHOICE IS YOURS!!!

Comparative Table Home LoanPersonal Loan Home Loan Amount - Rs. 48,00,000 Interest Rate – % Loan Tenure - 20 Years Monthly payment- 47,922/- Total interest payable- 67,01,336 Total Payment (Principal + Interest)- 1,15,01,336 (Rs. One Crore Fifteen Lakhs One Thousand and Three Hundred Thirty Six only) Personal Loan Amount – Rs. 17,00,000 Interest Rate % Loan Tenure - 5 Years Monthly Payment (EMI) - 39,117/-39,117 Total Interest Payable - 6,47,004 Total Payment (Principal + Interest)- 23,47,004 (Rs. Twenty Three Lakhs Forty Seven Thousand and Four only) EMI Calculator for Home Loan & Personal Loan (source : The Lower EMI in respect of Personal Loan is considered as equivalent to EMI of Housing Loan after taking the Income Tax benefits. Be noted that you have saved Rs. 91,54,332/- by availing personal loan to buy a same value Flat, which is a huge visualized savings.

Location : Next to VAHE Project Varthur Main Road Project site Prestige lakeside habitat

Near to all Reputed Residential Project such as Prestige Lake Side Habitat, Wahe Imperial, Mhyna projects, Chaitanya Villas, KRK Villas, ND Developer Villas, BDA Housing Project, VDB Azure, Shobha etc. 2.5 KM from FORUM VALUE MALL Approx 3 KM from the Goldman Sach’s Tech-park (under Construction) on Sarjapur Road. Within a 4-6 KM radius, all SEZ of ORR/Sarjapur Road covers. 6 KM from JP Morgan Walkable from Gunjur Bus Depot. WHY THIS LOCATION?

Why Bangalore? Arun:

PAST HISTORY Group Housing Projects

1 ST PROJECT-VIGNAN NAGAR 0.25 acre land at VIGNAN NAGAR- 11 Owners in 24 flats Apartment. Time committed 24 months but delivered in18 months. Price : Our investment 16 lakhs, current price: 48 lakhs including Registration.

2 ND PROJECT-SARJAPUR ROAD 0.5 acre land at HOSA Road (near TOTAL MALL on Sarjapur junction) – 22 Owners in 48 flats Apt. Time committed 24 month but delivered in18 month Price : Our investment 22 lakhs, current price: 48 lakhs including Registration.

3 RD PROJECT-WHITEFIELD 0.5 acre land at Whitefield (near Sigma Tech Park & Forum mall) – 12 Owners in 35 Flats Apt. Time committed 24 month. Project started in Aug 13 which is expected to be delivered in Feb 15. Price : Our investment 19 lakhs, current price: 55 lakhs including Registration.

4TH PROJECT-BALEGERE 1 acre land at Varthur (Balegere) - 45 Owners in 95 Flats Apartment. Time Committed 30 Months. Construction started in July 13 and delivery is expected in March 15. Price : Our investment Rs lakhs, current price: 44 lakhs including Registration.

5TH PROJECT-VARTHUR 2.15 acre land at Gunjur (opposite to ND developer-Around the Mangoes Villas) - 91 Owners in 224 Flats Apt, which is first High Rise project belonging to us. Time committed 36 month and delivery is expected in 30 Months. Price : Our investment Rs lakhs and Builder launched at price of 52 lakhs plus Registration.

6TH PROJECT- Gunjur - BDA Project Road acre land with 30 Owners in 75 Flats Apt. Time committed 30 months but delivery expected in 22 Months Price : Our investment Rs lakhs and Market price is Rs. 45 lakhs including Registration.

7TH PROJECT-VARTHUR-GUNJUR Main Road acre land Owners in 286 Flats Apt. Time committed 36 month but delivery expected in 30 Month

8th PROJECT- Marathahalli (Behind Yashomati Hospital) Registration will be done by end March As against the requirement of 74 people, more than 150 people are in the pipeline.

9th PROJECT on Varthur-Gunjur Main Road