VASTU OF YOUR KITCHEN

Vastu shastra ("science of construction", "architecture") is an ancient belief and practice which consists of traditional view on how the laws of nature affect human dwellings. It is years old practice of our country. There are many stories and religious believes attached with the practice of Vastu Shastra.


According to Vastu Shastra a body is made up of five elements which are:

LAND (Bhumi) - Earth, the third planet in order from the sun, is a big magnet with North and South poles as centers of attractions. Its magnetic field and gravitational force has considerable effects on everything on the Earth, living and non-living.

AIR (Vayu) - As a life supporting element, air is a very powerful life source. Human physical comfort values are directly and sensitively dependent on correct humidity, air flow, temperature of air, air pressure, air composition and its content.

WATER (Jala) - This is represented by rain, river, sea and is in the form of liquid, solid (ice) and gas (steam, cloud). It forms part of every plant and animal. Our blood is mostly water.
FIRE (Agni) - Represents light and heat which account for day, night, the seasons, energy, enthusiasm, passion and vigor.

SPACE (Akasha) - The Akasha provides shelter to all the above elements. It is also considered the primary conductor of all energy sources within the universal context – physical energies such as sound and light, social energies such as psychological and emotional, and cognitive energies such as intellect and intuition.
A perfect blend and balance is what makes our planet – Earth comprise of life.

When a new home is constructed then Vastu of each and every corner of your home is essential. Kitchen being said the heart of a house is why we thought of giving tips on the Vastu Shastra of Kitchen.

The Kitchen must be in either Southeastern corner or Northwest corner of the house.  According to the Vastu, you must have Ceramic tiles or Mosaic floors or Marble Flooring in your kitchen. The colors of the wall of your kitchen should be yellow or orange or red or chocolate. Black color is the worst choice for the Kitchen walls.

Things that must be strictly avoided in your kitchen are:

• If your Washroom and kitchen share a common wall, then it has a adverse effect on the family’s health.
• Kitchen must never be In front of main entrance.
• The kitchen must never be located in the North or North East as this can badly affect a person’s career.
• The Pooja room or temple must never be above the stove or kitchen sink brings bad luck.

These rules must always be kept in mind while constructing or re-constructing your Kitchen.


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Color Therapy for your Home

Pablo Picasso once rightly said that, “Colors, like features follow the change in emotions”

Colors are the inseparable part of our lives. They reflect our moods, personality and most importantly lifestyle. That is why, it is really important to choose a color therapy for your home.

Painting your home doesn't just mean choosing a color for your home but also choosing the RIGHT color is what is really important. Every color represents different meaning all together. Now a day’s people are more inclined towards choosing the light and translucent colors instead of going for the darker colors. The taste in art, architecture, fashion and interiors is really emerging among people, which is why people are going for soft and translucent shades like beige, lighter shades of green, lemons, whites and more such colors.

Colors are usually categorized as, warm and cool. Warm colors like Red, Orange and Yellow; provide coziness, warmness to the room and also stimulate mind and emotions. While the cool colors like blue, green and violet provide a peace to mind and give your room a spacious look. Colors are really important of one’s life; colors not only define the personality of the person but also affect the nature and behavior of the person.

Let us try to study some of the colors closely. Starting with Red, this color is associated with strength, energy, power and strong feelings like love, desire and passion. It also conveys vibrancy which makes it apt for Dining Room or can be used in your bedroom to give it a Dramatic feeling. Talking about Kitchen, Orange is the perfect choice. It is a wake-up color and stimulates mind and appetite. This color can be a good choice for Dining room as well.

Coming now to Family Room, Peach is a good choice. This color transfers positive energy and spreads warmth and maternity. Yellow is a very bright color and if the right shade is chosen then the color is perfect for the Study. Yellow is the color that repels depression and negative thoughts.

Now, talking about the Violet color, it is one of those which sets mind at ease. This is a wonderful choice for guest room. It can also be a great option for your hobby room, children’s room as it stirs creativity.

Apart from this are the two most neutral and soothing colors which can be used anywhere in your home- Green and Blue!

Green is a relaxing, centering, balancing color. Being that neutral, our eyes adjust to it very easily. Green is said to heal headaches and reduce anxiety. Blue is also very neutral color and thus gives calming and  peaceful environment to the home. It promotes deep breathing, and slows down the body.

I hope this will help you a bit in choosing the right color, instead of just going for a random color for your sweet dream home.

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Property Registration goes Online

Around 200 property registrations are carried out each day. This grand transaction makes Delhi administration richer by 4 crore each day. But this, chaos at the registration office creates a lot of inconvenience for the buyers, sellers and officials as well. To fight with all this inconvenience, Delhi Administration has decided to take the e-way. Soon, you will be able to make an online appointment for property registration just like Passport Seva Kendra. This step will make the registration process simpler and more efficient. 

The online service will help you get the appointment, hence saving from the unnecessary long queues. This will make the process fast and tout-free as well, bring more transparency in the registration process.

According to the deputy commissioner, the website and software are under trial and no later than a month, the website will get functional. The website will also mention the list of necessary documents needed at the time of the property registration. All one needs to do is fill the form online, get the time slot and then visit the registration office at the specified time with the necessary documents.

Apart from the efficiency, security will also be maintained through this system. The administration has planned to put online pictures of the buyer, seller and the sub-registrar and also take the biometric thumb impressions to avoid any fraud. In addition to that, to ensure the secured property deals, full verification will be done prior to registration.


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This is for sure that this e-way will make the process of Property registration efficient fast and fraud free.

Top 10 FAQ for taking HOME LOAN

It will not be wrong to call ‘House Property’ the safest investment of all. It has become a trend to invest in Real Estate. People find Real Estate the most effective, safe and secure investment of all which is sure to give best returns.

The growth in prices has increased the demand of Real Estate as well. The growth in Realty sector has attracted many investors to invest in Real Estate. This has also increased the people who take home loans to buy the property. Now a days, almost every commercial bank offers home loan.

This article is all about the same; sharing the prerequisites of getting a home loan according to the norms of RBI.


1.Why should one seek first time loan?

One can generally seek a first time home loan for buying a house or a flat, renovation, extension and repairs to your existing house. Generally different banks have different policy for those who are going for a second house.

2.How does the eligibility for the home loan decided by a bank?

Any commercial bank assesses the repayment capacity of the home loan applicant while deciding the home loan eligibility. Repayment capacity is based on applicant’s monthly disposable / surplus income and other factors like spouse's income, assets, liabilities, stability of income etc. All bank is concerned about is whether or not the applicant can comfortably repay the loan on time. The higher the monthly disposable income, higher will be the amount applicant will be eligible for loan. However, some banks calculate the income available for EMI payments based on an individual’s gross income and not on his disposable income.

3.In general, what all documents are needed to apply for the home loan?

In addition to all the legal documents of the property purchased, there is a checklist of documents that the applicant must submit, which includes Identity and Residence Proof, latest salary slip and Form 16 ( for business persons/ self-employed ) and last 6 months bank statements / Balance Sheet, as applicable.

4.What are the different interest rate options available?

There are generally two interest rate options that the banks offer, floating interest rates and fixed interest rates. Floating rates tend to change with the inflation in the economy while the fixed rates are fixed for some time or for the whole tenure of the loan.

The applicant however, should not get attracted by the fixed rate home loan. Instead, the applicant must verify, inquire and understand all the terms and conditions prior to applying for the loan.

5.How does the tenure of the home loan affect the EMI?

The mathematics applied here is way too simple! Longer the tenure, lesser the burden of EMI and, shorter the tenure greater will be the burden of the EMI.  But, longer tenure also means paying a heavy interest to the bank over the years.

6.What is pre-EMI interest?

Depending on the stages of completion of the housing project, sometimes loan is disbursed in installments.  Pending final disbursement, you may be required to pay interest only on the portion of the loan disbursed. This interest called pre-EMI interest.

However, some banks many banks offer a special facility whereby customers can choose the installments they wish to pay for under construction properties till the time the property is ready for possession.

7.How to tackle with the banks?

Hurrying unnecessarily can ruin everything. Take your sweet time before applying for the loan. Prior to taking a decision you must follow the theory of Consult and Compare:

I.You must consult different banks regarding rates, reset clause, spread/markup, margins and fees. Compare the banks on the basis of the above parameters and then reach the decision of taking the   loan from the best.

II.Ask the lender to pen down all the cost associated with the loan. This will not only keep you    benefited but also help you gain the best deal.

8.Is the pre-payment of the loan allowed?

Yes. The applicant can go for pre-payment of the loan in a lump sum amount. However, many banks charge early repayment penalties up to 2-3% of the principal amount outstanding. If the applicant does not have the capital to pay a lump sum amount, he can also go for the option of paying an extra amount in the EMI periodically.

9.Is there any tax benefit on the home loan?

Yes, being the resident of Indian one is eligible for certain tax benefits on both principal and interest components of a loan under the Income Tax Act, 1961. Under the current laws, one is entitled to an income tax rebate for interest repayment up to Rs. 1,50,000 /- per annum.

10.What security does the applicant have to provide against the home loan?

Generally the security provided is the first mortgage of the property. Banks also sometimes ask for    other collateral security as may be necessary. Collateral security assigned to your bank could be life insurance policies, the surrender value of which is set at a certain percentage to the loan amount, guarantees from solvent guarantors, pledge of shares/ securities and investments like KVP/ NSC etc. that are acceptable to your banker.

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How to save capital on Capital Gain Tax ?

Let us first understand what exactly is Capital Gain Tax? Capital Gain Tax in simple terms is the profit made on the non-inventory asset. It is the difference between the amount invested and the amount gained at the time of selling the asset.

Real Estate is regarded as any other asset today.  Buying and then selling the property for financial gains have become a common practice now. People want to invest in property as it is the safest investment of all. The amount of gain on the selling of property is generally a huge amount and so is the tax on it. We in this article will share with you some expert advices to save capital on capital gain tax in the case of Real Estate.

Two kinds of capital gains can be made by selling a house property if the property is held for less than three years before selling it, then it is considered a short-term capital gain (STCG) and you have to pay tax according to your income-tax slabs. If the property is sold after three years or 36 months, then it is considered as long-term capital gain (LTCG) and you have to pay 20% of the profit as tax.
In short term capital gain, the gains from the asset is added to your income (considering it as your regular income) and taxed as per the income slab you fall under. While when it comes to long term capital gain, tax calculation involves the indexation.

Ways to save Capital on Capital Gain Tax:

1.Purchase another Property:

This is the most popular practice that the tax payers undergo. Investing in another property or investing in the construction of another house is what helps in saving capital on the capital gain tax. Also there is no restriction on buying the commercial property. Apart from that one thing to be kept in mind is that you should not transfer the new house within a period of three years otherwise capital gains exemption allowed earlier will be taxed as long-term capital gain.

2.Capital Gain saving scheme, 1988:

According to this scheme, you can deposit the non utilized money in a capital gains account with a bank which can be later withdrawn for purchasing or constructing a new house. Amount must be deposited before filing tax for the year.

3.Invest in Bonds U/S 54 EC:

Investing in Bonds U/S 54 EC can give you an exemption of tax. You can invest your long- term capital gains in bonds of the National Highways Authority of India or the Rural Electrification Corporation and you have to hold these bonds for minimum three years. Remember to do this investment within a period of six months from the date of sale of your old house property.

We hope that this article was useful to you; in case of any queries you can make your queries on our blog.

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Bhiwadi: The Upcoming Real Estate Hub

Bhiwadi is the Industrial Hub that lies in Rajasthan. Bhiwadi lies 70 km from Delhi and comes under Delhi-NCR region.  This town in North is already a developed Industrial sector, with around 2,700 big, medium and small scale industries.  The industries that are functional in Bhiwadi are furnace, steel, electronics, engineering, printing, textiles, pharmaceuticals cables, rolling mills, food processing, herbal care units, etc. This growth in the industrial area is driving the growth in the residential sector too.

At present, Bhiwadi is at the peak of development. The town offers all urban facilities and offers modern lifestyle. Bhiwadi is becoming a favorite Real Estate spot among the developers and investors. There are various reasons behind the development of Real Estate in Bhiwadi; some of them have been discussed below:

1.Industrial Hub: Bhiwadi being home to almost 2700 industries is the Industrial Hub of North India. This has directly affected the demand of the Residential projects in this area. The people working in Bhiwadi find it better to settle here only rather than commuting daily to the work. This has also brought a growth in the lifestyle and standard of living.

2.Connectivity: Bhiwadi lies on National Highway 8, makes this town easy to approach.  Bhiwadi is close to Manesar and just 70 kms from Delhi and around 50 kms from Gurgaon.

3.Affordability: Bhiwadi forms the best area to invest in. Comparing it from the other NCR cities, Bhiwadi is the best place to invest in. The prices of the residential projects in Bhiwadi are well in reach of the middle class.

4.The future is here: Talking about the future, there are many other industries as well which are planning to come up with their corporate offices and factories in Bhiwadi.  Not just this but many well known builders are also planning their projects in Bhiwadi. In coming few years, Bhiwadi will surely see some of the best developments and highest growth.

In comparison to other NCR cities, for the middle class families Bhiwadi is an apt choice to invest in Real Estate. Lack of water supply is the major issue in the NCR cities, while Bhiwadi is far away from this problem. The locational advantage of Bhiwadi is attracting not only residents, developers and investors but also the Industrialists from nearby states like Punjab, Rajasthan and Haryana.

Bhiwadi provides the best of amenities like ample of water supply, better sewage system, well-built roads and great infrastructure, schools, medical facilities and great connectivity within the city as well as with the cities around.

Bhiwadi will see highest Real Estate growth in few years to come. Terra Group, Avalon, Krish Group, Omaxe, Nimai Developers, Kajaria Group and Piyush Group are some of the builders developing the Residential projects which will include townships, apartments and more in Bhiwadi.

To summarize, Bhiwadi forms the best investment option at present. Bhiwadi offers great housing projects with best of facilities and infrastructure at a very affordable price.

For Property in Bhiwadi:- http://projectinbhiwadi.in

-Saumya Chaturvedi

Real Estate Consultants

In past few years, Realty Sector has undergone a lot of changes and development.  There has been a significant growth in the Real Estate Sector, which has been driven by various factors. Some of them being, the globalization, growth of Information Technology, change in customer preferences and more.

Realty sector is no more just about buying or selling. It has moved much ahead now, with Realty being more organized, enforcing systems and involving more educated people. Real Estate Consultants are the new hype in the market.

Who are Real Estate Consultants?

To be precised  Real Estate Consultants are the ones who add value to your investments. They are the ones who do intense market research and then provide you with the most appropriate and feasible option. They are the ones who would take care of all the documentation, so that you can have a smooth deal.

Why do you need Real Estate Consultants?

Real Estate Consultants form the present face of Realty sector. Taking the help of real estate consultancy is really the need of the hour today. With fast pacing life, it is almost impossible to manage property, undergo intense market search, deal with the tenant or the landlord and most importantly manage the risks involved.
There is just one point solution to all these problems- Real Estate Consultants!!

What services does the Consultancy cover?

1.Landlord Representation:
This involves dealing on the behalf of the Landlord. It requires an in-depth research of both the property market and the needs of the end user.  The Consultants aim at enhancing the asset value for building owners/Landlords through maximizing rental values, higher occupancy and finding them quality tenants.

2.Tenant Representation:
Tenant representation involves full qualitative and financial analysis to help tenant take the suitable and wise decision. This also demands to sort out the best location according to the preference of the client that includes budget, environment and need.

3.Legal Services:
Real Estate Consultants usually take care of the legal services involved during the deal. The legal services include the documentation process, working in conjunction with the brokers for the transactions and maintaining the landlord-tenant laws.

Involving a consultancy firm in all the transactions make them more transparent, easy and smooth. This not only makes it easy for the buyer and seller but also makes the deal more comfortable and flexible.  Apart from this, involvement of the Consultancy firm improves the relationship between the two parties involved in the deal.

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Feel at Home

Serviced Apartments are a latest trend when it comes to investing in Property. With comforts of home, better facilities than hotel room and many other benefits, serviced apartments are a good option to invest in. With globalization hitting the world, the need to travel for business is increasing day by day. In such situation it is so good to have your own serviced apartment at a place where you travel frequently.


Serviced apartments are usually 1 BHK apartments built in a large area offering spacious living mixed with the comfort of all the modern facilities. These apartments can be used for short-term or long-term. And when these apartments are at a prime location within a city, it simply is a cherry on the top of the cake!

There are various advantages to invest in a serviced apartment:

• Will keep your investments within the budget
• Makes you feel at home where you can cook as well according to your taste
• There is no time bounding
• Larger rooms than a hotel room to give the comfort of spacious living
• Low cost on services like internet, phone etc.

The benefits of investing in serviced apartment are not constrained to only those mentioned above. Serviced apartments are a good option for the investor, traveler and even for those who live alone away from their family.

When it comes to investments, you can always invest in and then put it on lease. Investing in a serviced apartment when it is located at a prime location in cities like Gurgaon, Delhi, Noida, Bangalore, Pune or Mumbai is always a fruitful decision. Mostly such apartments are ideal for corporate offices that take serviced apartments on lease and get a cheap and best accommodation for their guests or employees.

Now imagine if your work keeps you to stay away from your family; then what will be according to you a better option, living in a rented room or in a PG? OR being a master of your own will and staying in your own serviced apartment where you can cook, throw parties or may be hold meetings as well.Serviced apartments give you such an opportunity.

Coming to the third category, which is a traveler. If you travel to a place frequently, then a serviced apartment is a better option than booking a room in a hotel.  In a serviced apartment you do not have any bounding and there is no time limit as well.

The developers/builders understand this trend which is why; builders like Ocus in sector 68, Cosmos in sector 99 in Gurgaon have launched their serviced apartments.

Serviced apartments are really a good option to invest and to live as well. They are fully furnished, spacious and cheaper than most of the hotel accommodations. I would say that Serviced apartments represent the fast moving lifestyle of the people today.

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What drives Real Estate Industry?

The current stats tell that 50% of our population lies below the age of 25 years while more than 60% of the people are below the age of 35 years, which means that majority of India’s population forms young population. Increase in the corporate jobs, better lifestyle is what is attracting the young India to settle in the cities like Delhi, Gurgaon, Noida, Pune, Mumbai and Bangalore. This in turn is driving the growth of Real Estate Industry.

If we talk about the actual stats of residential properties then according to the report of World Bank, India is facing a shortage of up to 70 million residential units due to the increase of economic activity and rapid urbanization.

THE CURRENT SCENARIO

The current scenario of the residential societies is dreadful! Congested lanes, water logging issues, lack of basic amenities like water supply, electricity and car parking etc, traffic problems and many more are some of the major issues being faced by the urban cities. The reason behind this hush and rush is simple- the demand is increasing and supply is short!

Another issue that needs to be taken care of is the global warming. Increase in population, lack of drainage and amenities all of them together forms the reason behind the global warming, directly or indirectly. The best way the Realty sector can take care of these issues is promoting Eco-friendly homes, planting more trees and increasing the use of solar power.

WHAT CAN BE DONE?

There are a few of the developers that are taking steps towards the greener tomorrow. Some of the developers like Ansals, Vatika, 3Cs are Jaypee Greens bringing the green city within the NCR cities. Introducing Eco-friendly homes, better drainage facilities and steps like battery operated cars are few which can take care of the greener tomorrow.

It is a circle that goes around and all the components of this circle are interlinked. Be it social impact, people, lifestyle, real-estate, environment or economy, everything is interlinked and the rise of one affects the whole circle.

A good project is the one that offers great living spaces combined with all the amenities and infrastructure. Real Estate is no more just about bricks and mortar, now it has some social responsibility too.

Thus, with growth in the Industry, Real-Estate Industry needs to understand their social factor as well to survive in this ever growing Industry.

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FAQs for NRI

1.      Who is an NRI?

An NRI is a citizen of India who holds an Indian passport and has been immigrated to another country over six months for work or residence etc.

2.      Who is a PIO?

A person of Indian Origin (PIO) means an individual who:

• held an Indian passport at time or,
• who/whose father/paternal grandfather was a citizen of India by virtue of the constitution of India or Citizenship Act, 1955

3.      Who determines whether a person is resident of India or not?

Under FEMA, the status is determined by the operation of law.

4.      What types of NRI accounts are allowed to be maintained in India?

 Two types of accounts are allowed to be maintained in India:

·         Non-Resident (external) Rupee Account (NRE)

·         Non-Resident Rupee Account (NRO).

Funds in NRE account are repatriable.

5.      Can an NRI authorize a close relative to operate his NRE account?

Yes he/she can after providing a letter of authorization.

6.      What are the various facilities available to NRIs/OCBs?

NRIs/OCBs can avail following facilities:

•        Maintaining of bank accounts in India
•               Investments in securities/shares and deposits with Indian firms/companies
•        Investments in immovable properties in India

7.      Can an NRI or PIO avail housing loan in rupees from his employer in India?

Yes, subject to certain terms and conditions.

8.      Can an NRI/PIO/Foreign National sell his residential/commercial property?

TYPE OF CITIZEN	STATUS	CAN SELL TO WHOM	CONDITIONS
NRI	Yes	to NRI/PIO/Foreign National	Nil
PIO	Yes	to a resident of India/NRI/PIO	prior approval of RBI
Foreign National	Yes	to NRI/resident of India/PIO	prior approval of RBI

9.      Can a NRI gift his property?

TYPE OF CITIZEN	STATUS	CONDITIONS
NRI	Yes	Nil
PIO	Yes	Nil
Foreign National	Yes	prior approval of RBI

10.  Can an NRI/PIO/Foreign National mortgage his/her residential/commercial property in India?

Yes, the property can be mortgage keeping following conditions in mind:

·         Can be mortgage to:

(1)   an authorized dealer/the housing finance institution in India without the approval of RBI.

(2)   a bank abroad, with prior approval of RBI

·         A Foreign National of non-Indian origin can mortgage a residential/commercial property only with prior approval of RBI.

·         A Foreign company which has established a branch office or other place of business in accordance with FERA/FEMA regulations has generated permission to mortgage the property with an authorized dealer in India.

11.  Can NRI/PIO rent out the residential/commercial property purchased out of Foreign exchange/ rupee funds, if not required for immediate use?

Yes, rent received being current income may be credited to NRE/NRO account or remitted abroad.

12.  How can an NRI/PIO make payment for purchase of resident/commercial property in India?

Payment can be made by NRI/PIO out of:

(1)   Funds remitted to India through normal banking channels or

(2)   Funds held in NRE/FCNR(B)/NRO accounts maintained in India

No payment can be made either by traveler’s cheque or by Foreign currency notes or by other modes except from those mentioned above.

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