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C;kt eqDr vkokl ;kstukInterest Free Home Scheme
PROSPECTUS
An initiative by:
The Agarwal Associates Group popularly known as Aditya is one of oldest Real
Estate companies to bet big on the Development of Real Estate. The company
literally set the corner stone, upon which you see super structures - be it the
futuristic office complexes, malls or apartments - standing tall today.
Established by the late Shri. B.B Agarwal, a highly experienced civil engineer, the
company has been at forefront of real estate development in the Delhi-NCR
region for more than a quarter of a century. He had the farsightedness to see the
enormous potential in the property and real estate market in Delhi & NCR and
build a lifelong relationship with his clients and investors by providing them with
excellent services throughout his long and illustrious career. It was his vision and
pioneering spirit that helped revolutionize the real estate arena with the mammoth
and futuristic projects that the company undertook.
Agarwal Associates Group has constantly met and gone beyond the expectations
of its clients, investors and business partners. The company today leads the real
estate sector with a number of commercial and residential projects under its belt
in addition to designing awe-inspiring structures in the Educational Sector.
The company today is known for its superior construction quality and
commissioning of major commercial complexes and shopping centers that combine
the triple advantage of prime location, best investment opportunities and value for
money. It’s the result of these solid foundations and the living proof of numerous
completed projects that differentiates Agarwal Associates from others. At the most
basic level, their ability to strictly adhere to project completion schedules and meet
all building laws and regulations have won them the respect and admiration of all
their constituents and stakeholders - customers, business associates and investors.
We are giving homes to the families, business places to the entrepreneur &
investment options to the investors.
GROUP PROFILE
We shall make all our efforts to lead as a benchmark real estate group, creating
environment friendly human habitation projects in line with customer needs. Good
Business Practices, Quality Practices, Quality Products, Integrity, Customer and Product
Value, shall guide our vision towards building a great institution. It was the pioneering
spirit of our founder that enabled the Agarwal Associates Group, build a reputation in
the industry as a forward thinking company, always ready to push the bill and tip the
scales in its favor by banking big on technology and innovation. After more than 35 years
in the industry, our new mission statement is to build upon our reputation by constantly
exploring uncharted territories and being the first to develop and use innovative systems
and improved processes to optimize productivity and add value to all our projects. We
wish to provide shelter for all segments of people.
UMA AGARWALCMD
AGARWAL ASSOCIATES GROUP
ABOUT THE SCHEME
With an objective to serve its customers by delivering affordable products at
uncompromising quality & value for money rates, Investors Clinic has come up with an
exciting opportunity called “Byaaj Mukt Awas Yojna” an initiative to provide Interest Free
Homes to all.
Under this unique & one of its kind scheme, customer will not be paying any interest on the
home loan availed. They will only be paying the principal part of it and thus this scheme is
also called “Equal Principal Repayment (EPR) scheme.
The biggest USP of the scheme is huge saving on interest which otherwise works out to
more than the principal loan amount. The Equal Principal Repayment has to be done in
only 100 months against the traditional home loan period of 240 months thus enabling the
customer to save 12 precious years of loan tenure.
Another major benefit of this scheme is that the customer can re-use their eligibility after
100 months because of relatively smaller duration of the loan period. The customer can
also easily exit any time from the scheme by selling the property. They can save equivalent
amount of property value and invest what you save in other asset classes. Due to timely
possession of the projects under this scheme, the rental income will also start soon.
NOTE FROM CMD
Q1. What is the scheme? What do you mean by EPR?A1. It is an interest free scheme. Customer will not be paying any interest on the amount taken from the financial institution to buy the property. He will pay back only the total amount taken in 100 equal monthly installments. This equal monthly installment of the principal component is called Equal Principal Repayment (EPR).
Q2. How ‘Zero’ interest is possible?A2. It’s a unique & one of its kind arrangements between financial institution & the developer. This special initiative is brought to you by Investors Clinic.
Q3. What is the duration for principal repayment?A3. Duration of principal repayment is 100 months. The balance principal amount after paying the required self-funding contribution to the developer will be divided into 100 equal installments knows as EPR.
Q4. How is it different from traditional home loan?A4. The biggest difference between both the schemes is huge saving on interest which otherwise the customer would have paid in any traditional housing loan scheme. Duration of this scheme will be for 100 months against the traditional home loan period of 240 months saving almost 12 years of loan tenure, thus enabling customer to re-use his loan eligibility after 8.33 years.
Q5. Who is eligible for this scheme? What are the eligibility criteria?A5. All persons eligible for taking a home loan are eligible including salaried, self-employed etc. Eligibility criteria of individual clients will depend upon their monthly income & credit rating.
FREQUENTLY ASKED QUESTIONS (fAQ’S)
Illustration 1 – EPR Comparison with Traditional Home Loan
Loan Scheme
Property Value (In Rs)
Own Contribution (20% of property value) in Rs
Loan Component (80% of property value) in Rs
Tenure In Months
Monthly EMI In Rs
Net Outow*In Rs
Standard Loan**
50,00,000 10,00,000 40,00,000 240 40,000 106,00,000
Byaaj Mukt Awas Yojna
50,00,000
10,00,000
40,00,000
100
40,000
50,00,000
Savings
56,00,000
*Net Outow: EMI X 240 months + Own Contribution
** Standard Loan: Assuming fixed rate of interest @ 10.52% for
20 years
ASSUMPTION - 2 BHK OF 1000 SQ.FT x PRICE @ RS. 5000/SQ.FT. = RS. 50 LACS
FREQUENTLY ASKED QUESTIONS (fAQ’S)
Q6. What is the Age criterion for this scheme?A6. In this scheme person’s up to 55 years of age can take Interest Free Loan as the duration of this scheme will be for 100 months against the traditional home loan period of 240 months.
Q7. What are the documents required?
A7. The first set of documents required are KYC of the customer, income documents, i.e. 6
months’ salary slip & 6 months bank statement in case of salaried, 2 years ITR with computation
of income & 1 year bank statements in case of self-employed. Depending on person’s credit
rating more documents could be required.
Q8. What if I am not eligible for 80% Interest Free Loan or if I want to take less than 80% Interest
Free Loan instead of complete 80%?
A8. The pro-rata calculation will be applicable here. Customer will have to pay the balance
amount to the developer as per the applicable pro-rata. You can take the loan amount less than
80%, in that case also Interest Free Loan amount will be divided in 100 equal installments almost
the same as you pay for in a 20 years traditional loan.
Q9. Will fluctuating interest rates depending on government’s policies affect me?
A9. No impact on customer of monetary policy as you have to pay only the Principal Amount.
Q10. What if I want to resale the property after a certain period? Is this Interest Free Loan
transferable?
A10. Yes you can resale your property anytime you like. The prospective buyer can take full
advantage of tenure of up to 64 months, paying only the EPR. You can also charge a premium on
your property as the next buyer will also get the same benefit of zero interest for the balance
tenure of the EPR.
Q11. What if in case developer delays offer of possession?
A11. You will get your dream home on a date range as promised by the developer. However in
case of any unfortunate delay, the developer will pay heavy delay penalty. The penalty charges
will be higher as compared to other projects in that area.
Q12. Can I get possession of my property & can get it registered before completion of 100
months?
A12. Yes you can get the possession of property and can get it registered before 100 months as
this has nothing to do with Interest Free Loan tenure.
Q13. If the delivery of my property is after 2years, How much do I have to pay to the financial institution in this scheme as compared to traditional & subvention home loan?A13. Please see the illustration as below explaining vividly the comparison between this scheme vs traditional vs subvention home loan;
Q14. Is loan facility available in non-metro cities?A14. Facility is available in all major metros & tier 1 cities. The financial partner is in the process of establishing its contact points in tier 2 & 3 cities. Please do check with your service associate for a specific list.
Q15 Can I buy another property in this scheme?A15. Yes, you can buy another property approved under the scheme depending on your eligibility.
Q16. Can I get the same scheme in this project by a bank of my choice?A16. No this scheme is approved only by our preferred financial service partner.
FREQUENTLY ASKED QUESTIONS (fAQ’S)
Property Value 5,000,000 Booking Amount 500,000
Loan amount 4,000,000
Annual interest (Fixed rate)* 10.52 %
Expected Delivery period 2 years
Op�on 1 Op�on 2 Op�on 3
Pre-EMI of 2 years and Tradi�onal Loan of
20 Year a�er possession
Subven�on of 2 Years, then
loan of 20 years a�er
possession
EPR= Equal Principal
Repayment (Byaj
Mukt Awas Yojna)
(Amount in Rs.) (Amount in Rs.) (Amount in Rs.)
Interest on Loan for 20 years a�er possession 5,600,058
5,600,058
0
Pre EMI Interest for 2 years ** 674,815
-
0
Total Interest Amount paid by customer 6,274,873
5,600,058
-
Interest Amount paid (% of Loan Amount) 157% 140% 0%
Monthly Payout (EMI/EPR) 40,000
40,000
40,000
Monthly Payout (EMI/EPR) % of Loan Amt 1.00% 1.00% 1.00%
Loan Eligibility U�lised for period 22 years 22 years 8.33 years
- Interest Expense (Amount In Rs.) 3,186,524
2,511,709
-
(%) 80% 63% 0%
- Principal Repaid (Amount in Rs.) 528,310
528,310
4,000,000
(%) 13% 13% 100%
- Pending Loan Liability (Amount in Rs.) 3,471,690
3,471,690
-
(%) 87% 87% 0%
* Corresponding Floa�ng Rate of interest will be @ 9.55%
** Pre-EMI calcula�ons done basis Bank funding of 50% at �me of booking and 10% each in 6, 12 and 18 months respec�vely
PARTICULARS
Net Posi�on a�er 100 months from today :
LOCATIONMAP
MASTER PLAN
Apar ments
1, 2 & 3 bhk apartments at nh- 24, ghaziabadSUPER AREA : 783, 924, 925, 950, 1125, 1205, 1340 & 1380 sq ft
PROJECT OVERVIEW
SITE PLAN
Apar ments
1.�Entry2.�Open�Air�Theatre3.�Swimming�Pool4.�Kids�Pool5.�Wooden�Deck
6.�Shopping�Arcade7.�Party�Lawn8.�Basket�Ball�Court9.�Badminton�Court10.�Palm�Avenue
11.�Yoga�&�Meditation�Area12.�Tot-lot13.�Elders�Meeting�Point14.�Kids�Play�Area15.�Putting�Green
16.�Exercise�Station17.�Jogging�Track18.�Water�Tower19.�Teens�Court
CITY APARTMENTS
FLOOR PLANS
1 BHK + 2 toi SUPER AREA 783 SQ. FT.
2 BHK + 2 toi SUPER AREA 924 SQ. FT.
Apar ments
CITY APARTMENTS
FLOOR PLANS
2 BHK + 2 toi SUPER AREA 925 SQ. FT.
2 BHK + 2 toi SUPER AREA 950 SQ. FT.
Apar ments
CITY APARTMENTS
FLOOR PLANS
3 BHK + 2 toi SUPER AREA1125 SQ. FT.
3 BHK + 2 toi SUPER AREA 1205 SQ. FT.
Apar ments
CITY APARTMENTS
FLOOR PLANS
3 BHK + 2 toi SUPER AREA 1340 SQ. FT.
3 BHK + 2 toi SUPER AREA1380 SQ. FT.
Apar ments
SAMPLEAPARTMENTPHOTOGRAPHS
Apar ments
CITY APARTMENTSPRICE LIST &PAYMENT PLAN
Sale Price : BSP + Rs. 2,75,000 (for 1 covered car parking)
NOTE :
• Payment to be made by A/c payee Cheque(s) / Demand Draft(s) drawn in favor of “M/s Agarwal Associates (Promoters) Limited” payable at New Delhi / Delhi / Ghaziabad.• Stamp Duty, Registration charges, EDC, IDC and all other applicable government charges/taxes including Service Tax and / or GST are not included and shall be charged extra and are to be borne by the Allottee(s)• Other Charges as Power Back Up of Rs. 20,000 per KVA, EDC & IDC of Rs 100 per sq ft, Interest Free Maintenance Security, Advance Maintenance, Electricity Connection and Meter charges are extra & will be paid at the time of offer of possession.• This is a Non- refundable, Non- cancellable payment plan.• Price are subject to change without any notice from time to time, at the sole discretion of the company which shall not affect who have already enrolled.• The above rates are for super area only.• Booking is subject to detailed terms and conditions as given in allotment agreement.• All specification, numbers and areas are tentative.
10% of Sale Price
80% of Sale Price
10% of Sale Price + PBC + IFMS + AM + EDC & IDC
At the time of booking
Within 30 days of booking (by financial institutions)
On offer of possession of your at
PAYMENT PLAN
BLOCKS A, B, C, D, E, F & G
Apar ments
CITY APARTMENTS
SIZES in sft 783 924 925 950 1125 1205 1340 1380
TYPE 1BHK+1T 2BHK+2T 2BHK+2T 2BHK+2T 3BHK+2T 3BHK+2T 3BHK+2T 3BHK+2T
FLOOR BASIC COST (in lacs)
19 21.85 25.78 25.81 26.51 31.39 33.62 37.39 38.50
18 22.00 25.96 25.99 26.70 31.61 33.86 37.65 38.78
17 22.16 26.15 26.18 26.89 31.84 34.10 37.92 39.05
16 22.32 26.33 26.36 27.08 32.06 34.34 38.19 39.33
15 22.47 26.52 26.55 27.27 32.29 34.58 38.46 39.61
14 22.63 26.70 26.73 27.46 32.51 34.82 38.73 39.88
13 22.79 26.89 26.92 27.65 32.74 35.07 38.99 40.16
12 22.94 27.07 27.10 27.84 32.96 35.31 39.26 40.43
11 23.10 27.26 27.29 28.03 33.19 35.55 39.53 40.71
10 23.26 27.44 27.47 28.22 33.41 35.79 39.80 40.99
9 23.41 27.63 27.66 28.41 33.64 36.03 40.07 41.26
8 23.57 27.81 27.84 28.60 33.86 36.27 40.33 41.54
7 23.72 28.00 28.03 28.79 34.09 36.51 40.60 41.81
6 23.88 28.18 28.21 28.98 34.31 36.75 40.87 42.09
5 24.04 28.37 28.40 29.17 34.54 36.99 41.14 42.37
4 24.19 28.55 28.58 29.36 34.76 37.23 41.41 42.64
3 24.35 28.74 28.77 29.55 34.99 37.48 41.67 42.92
2 24.51 28.92 28.95 29.74 35.21 37.72 41.94 43.19
1 24.66 29.11 29.14 29.93 35.44 37.96 42.21 43.47
BASIC SALE PRICE (BSP)
CLUB AMENITIES
State of the art gym Badminton COURT BASKETBALL COURT
Yoga & Meditation hall Open sit out areatable tennis
meeting point Children’s play area Swimming pool
SPECIFICATIONS
CITY APARTMENTS URBAN HOMES LUXURIA ESTATE
Living And Dining
Flooring
Walls
Internal Doors
External Doors & Windows
Vitrified Tiles
Flooring
Walls
Internal Doors
External Doors & Windows
Laminated Wooden Flooring in Master bedroom& Vitrified Tiles in Remaining Bedrooms
Bedroom
Vitrified Tiles
Elegantly Finished with POP Punning & OBD
Factory made panel Doors with Hardwood Frames
Powder Coated Aluminium / UPVC Doors & Windows
Corridor/ Lobby
Flooring
Walls
Vitrified Tiles
Granite Cladding & OBD
Kitchen
Flooring
Walls
Doors
External Doors & Windows
An�-skid Ceramic Tiles
Elegantly Finished with POP Punning & OBD
Factory made panel Doors with Hardwood Frames
Powder Coated Aluminium / UPVC Doors & Windows
Toilets
Flooring
Walls
Doors
External Doors & Windows
An�-skid Ceramic Tiles
Elegantly Finished with POP Punning & OBD
Factory made panel Doors with Hardwood Frames
Powder Coated Aluminium / UPVC Doors & Windows
Electrical Copper Wiring in Concealed PVC Conduits. Sufficient Light Power Point, Provision for TV., Telephone Points in Living Room & Bedrooms.
External finish Superior paint finish
Balcony Flooring
Super Structure
An� - skid Ceramic �les
Earthquake Resistant RCC Framed Structure
Powder Coated Aluminium / UPVC Doors & Windows
Elegantly Finished with POP Punning & OBD
Factory made panel Doors with Hardwood Frames
USP &CONNECTIVITY
• Government approved free hold land
• Contemporary architecture, surrounded by greens & manicured landscape
• Splendid ambience with tree avenues
• Vastu friendly layouts with optimum utilization of space & proper natural light
• Gated complex with CCTV & Intercom facilities
• Grand entrance lobby
• Large balconies with plenty of cross ventilation
• In-house maintenance services for all common facilities
• �100% power back up for common areas
• Elder’s meeting point area
• Located in close vicinity of best cities namely Delhi, Electronic city Noida & Greater Noida
• Proposed metro station in vicinity
• Well connected to all the commercial & leisure locations
• 15 minutes from Fortis hospital & Shipra mall
• Is in close proximity to educational institutes like DPS school, IMS, IMT & ABES
Engineering college
• Stone throw distance from Columbia Asia Hospital
CONNECTIVITY
USP
PROPOSEDMETRO NETWORK
Source - www.gdaghaziabad.com
POSSESSIONDATE & PENALTY
31/3/2017 Rs�10�/-�sq.�ft.�per�month�for�delayed�period
Urban Homes
(�C�to�F�block�)31/3/2018
City Apartments
(�A�to�G�block�)31/3/2018
Luxuria Estate
(�A�to�F�block�)
PROJECTS POSSESSION DATE PENALTY IN CASE OF DELAY
NH-24 IN NEWS
Rs�10�/-�sq.�ft.�per�month�for�delayed�period
Rs�10�/-�sq.�ft.�per�month�for�delayed�period
*applicable only for bookings in BMAY Scheme
*
ACTUAL SITEPHOTOGRAPHS
Investors Clinic, India's largest real estate consultants is a trusted name PAN India & Globally.
Investors Clinic, a pioneer amongst professional real estate consulting companies in India, has
served both domestic and international arena. With an experience of almost a decade in the
industry, Investors Clinic boasts of expertise in providing best in class customer service through
world class technology, process and response mechanisms.
Investors Clinic is perfectly placed to offer tailored advice across the investment process, ensuring
an investment decision that never stops growing.
Driven by a workforce of more than 2000 real estate veterans
Association with more than 200 leading developers
Base of approx. 1 Lac satisfied customers
Sold property worth Rs 40,000 Cr
More than 30 offices across the world
Sold from a diverse palate of more than 500 projects PAN India
One of the highest tax-payers in the industry
Turn around time of less than 90 minutes, a first for the realty services
State-of-the-art inventory management system
World class CRM solutions
Dedicated Customer Care Team
CONFERRED WITH BEST OF THE TITLES OF THE INDUSTRY
“World's Greatest Brands 2015 Asia & GCC”; chosen out of 1200 brands across 16 industries
& 62 sub-categories
“Glory of India Award & Certificate of Excellence”
Realty Kings Awards for Excellence “Leading Real Estate Consultants-Honey Katiyal,
Investors Clinic”
Builders Council of India “Best Real Estate Consultant”
Rajiv Gandhi Awards “Best Real Estate Consultants”
ABOUT INVESTORS CLINIC
Site Office : Aditya World City, Near Columbia Asia Hospital, NH-24, Ghaizabad
Service Provider : Investors Clinic, Tapasya Corporate Heights, Tower A, Ground Floor, Sector 126. Noida 201301
W : www.bmay.in | E-mail : [email protected]
General disclaimer : This document is for informa�on and illustra�ve purposes only and does not purport to show actual results. It is not, and should not be regarded as investment advice or as a recommenda�on regarding any par�cular investment or course of ac�on. Opinions expressed herein are current opinions as of the date appearing in this material only and are subject to change without no�ce. Past performance is not indica�ve of future returns. Visual representa�ons shown in the prospectus are purely conceptual. All building plans, specifica�ons, layout plans etc are tenta�ve and subject to varia�on & modifica�on by the company, architect or the competent authority. Brand names appearing in the prospectus are for artwork purposes only.