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In India’s rapidly evolving financial landscape, Dravyam Fintech Pvt. Ltd. stands out as a new-age lending partner that combines human-centric service with cutting-edge technology. Headquartered in Pune and incorporated in March 2023, Dravyam has quickly earned attention for making access to finance faster, easier and more transparent for individuals, entrepreneurs and real estate developers. A Young Company with a Strong Vision Founded by Madhusudan Dattatray Jadhav and Mohaniraj Bansibhau Khodade, Dravyam Fintech began with a simple yet powerful mission: to bridge the gap between borrowers and lenders through technology and trust. With an authorised capital of ₹5 lakh, the company is steadily building its footprint across Maharashtra and beyond. Comprehensive Financial Solutions Dravyam Fintech offers a diverse suite of loan products designed to cater to multiple segments: Home Loans – Helping customers realise their dream of home ownership Business Loans – Financing entrepreneurs and SMEs for expansion or working capital Construction Finance – Empowering builders and developers to complete residential or commercial projects Each product is backed by a focus on faster approvals, minimal paperwork and clear communication, ensuring that customers experience less stress and more certainty. Customer-First Approach What differentiates Dravyam is its unwavering commitment to transparency and convenience. Customers benefit from: Streamlined application processes and real-time status updates No hidden charges or unpleasant surprises Doorstep assistance and partnerships with realtors and channel partners to enhance outreach This blend of technology & personalised service enables Dravyam to meet borrowers where they are, creating an experience more aligned with today’s on-the-go lifestyles. Driving the Future of Fintech Lending Although still in its early stage, Dravyam Fintech has a clear roadmap: to strengthen its digital infrastructure, expand its partner network and introduce more flexible loan products tailored to India’s diverse borrowing needs. By maintaining its twin focus on speed and transparency, the company aims to become a trusted name in the Indian fintech ecosystem. A Brand to Watch In less than two years, Dravyam Fintech has begun carving out a niche as a reliable and customer-centric lender. For borrowers seeking a smooth, transparent and modern lending experience—especially in the housing and construction finance sectors—Dravyam offers a refreshing alternative. As the Indian financial market continues to mature, Dravyam Fintech is well positioned to grow with it, setting new benchmarks for simplicity, service and trust. Rahul Bhalchandra Patil Director & CEO, Dravyam Fintech Pvt. Ltd. rahul.p@dravyamfintech.com

On 22 September 2025, the Government of India introduced a landmark overhaul of the Goods and Services Tax (GST) system, popularly termed ‘Next-Gen GST’ or ‘GST 2.0.’ The reform consolidates slabs, rationalises rates, and prioritises sectors such as real estate and construction, which were heavily impacted by high indirect tax costs. The move seeks to simplify compliance, stimulate demand, and strengthen the government’s agenda of housing affordability and infrastructure-led growth. Rationale Behind GST Rate Reduction Simplified Tax Structure: Multiple slabs merged into three—5%, 18%, and 40% (luxury/sin goods). Boost to Demand: Reduced taxes on construction inputs to revive the housing market. Affordable Housing Support: Retained concessional GST to align with the ‘Housing for All’ scheme. Policy Intent: Promote affordability, improve project viability, attract investments, and reduce compliance burden for developers. Impact on the Real Estate and Construction Sector Affordable Housing: Concessional 1% GST (without ITC) continues, ensuring access for low- and middle-income groups. Under-Construction Residential Projects: A uniform 5% GST (without ITC) All the projects working in the residential real estate projects doesn’t get any Input Tax credit as such all the GST paid on the inputs were adding cost to the overall construction cost but with the reduction in GST rates, the same would be reduced . Construction Materials: Reduction in cement, tiles, steel, and fittings directly lowers the base cost of construction. Expanded List of Rate Reductions (Post 22 September 2025) How Cost Reduction Benefits Different Stakeholders For Buyers: Lower GST on inputs reduces construction costs, enabling developers to offer homes at more affordable prices. This enhances buyer confidence, reduces effective tax burden, and supports home ownership aspirations. For Builders/Developers: Lower tax on raw materials and contracts improves margins and ensures project viability. Simplified slabs reduce compliance complexity and promote timely delivery. For the Government: Reduced rates lower the cost of public infrastructure projects such as affordable housing schemes, metro rail, and urban development. This leads to budgetary savings and faster execution of flagship schemes. Ensuring Benefits Flow to Buyers To ensure that the advantages of GST rate reductions are not retained solely by developers but passed on to homebuyers, the Government has strengthened monitoring mechanisms: Anti-profiteering framework: The National Anti-Profiteering Authority (NAA) and State GST authorities will monitor whether developers pass on reduced costs through lower prices or improved amenities. Mandatory disclosures: Builders must reflect GST-related cost reductions in agreements and invoices issued to buyers. Sectoral audits: Real estate projects may be subject to targeted audits to verify compliance with GST reforms. Impact: These measures safeguard consumer interests, foster transparency, and maintain trust between buyers and developers, ensuring the policy objective of affordable housing is achieved. CA Amit Gholkar Director, Maxalpha Advisors Pvt Ltd +91 9822190663 amit@maxalpha.co.in

Belmont Skyverse is a premium residential address designed to elevate modern urban living. Both the towers rising over 10 floors, it offers thoughtfully designed 2, 3, and 3.5 BHK residences that combine style, space, and comfort. Each home is crafted with earthquake-resistant structure, high-quality finishes, and spacious balconies, reflecting Belmont Group’s commitment to creating homes that are both elegant and enduring.Strategically located with seamless connectivity to Kalyani Nagar, Viman Nagar, Koregaon Park, Kharadi IT Park, and Pune Airport, Skyverse ensures residents enjoy both convenience and exclusivity. The project also offers a view of Pune Airport, giving a unique perspective and connection to the cityscape.The development features a grand entrance boulevard, ample parking, and over 35 lifestyle amenities thoughtfully spread across ground and rooftop levels. Landscaped gardens, open-air gyms, co-working pods, yoga decks, and community kitchens provide spaces for wellness, recreation, and social interaction. Every corner is designed to encourage a vibrant, balanced lifestyle.With its combination of modern design, functional spaces, and curated amenities, Belmont Skyverse is more than a home—it is a statement of luxury, wellness, and contemporary urban living, offering residents a harmonious blend of comfort, convenience, and elegance. TESTIMONY: Project: Belmont Skyverse “Our vision for Belmont Skyverse was to create a landmark residential community that redefines modern urban living, offering families a serene yet connected lifestyle. We aspired to craft homes that are not only elegant and spacious but also thoughtfully designed for comfort, practicality, and everyday functionality.”“The Design11 Architects team, led by Ar. Swapnil Kshirsagar, has brilliantly brought this vision to life. The contemporary 10-storey towers, meticulously planned 2, 3, and 3.5 BHK residences, and carefully curated amenities—from rooftop leisure spaces and co-working pods to landscaped gardens and wellness zones—elevate everyday living. The project also offers views of Pune Airport, adding a distinctive charm and a sense of openness to the homes.”“Attention to detail is evident throughout: homes are built with premium finishes, spacious balconies, and a robust structural framework, creating spaces that are both aspirational and practical. Belmont Skyverse stands as a testament to innovation, design excellence, and enduring quality, setting a new benchmark in Pune’s luxury residential landscape.” Ar. Swapnil KshirsagarPrincipal Architect, Design 11

Investing in land across Maharashtra today combines long-term wealth creation, diversification, and tangible benefits, supported by rapid infrastructure and industrial transformation. With major corridors, smart cities, and urban expansion, the state offers one of the most profitable real estate ecosystems in India. 1.Infrastructure-Driven Appreciation Samruddhi Mahamarg Expressway:The 701 km Mumbai–Nagpur Expressway has cut travel time from 18 to 8 hours. Exits near Nashik, Shirdi, and Aurangabad are driving rapid land appreciation.Metro & Port Connectivity:Large metro land allocations in Pune and Nagpur, covering 2.1 lakh m², are unlocking residential and commercial growth near stations. Planned port projects, such as Vadhvan, add logistics-based value.New Cities & Industrial Corridors:Government-backed nodes like Aurangabad’s AURIC and the proposed “Third Mumbai” near Navi Mumbai are transforming previously overlooked land into prime real estate. 2. High-Growth Urban & Peri-Urban Markets Mumbai Metropolitan Region (MMR): Growth hotspots like Mira Road, Panvel, Ulwe, Wadala, and Thane benefit from airports, metro lines, and port projects. Pune & Pimpri-Chinchwad: IT hubs (Hinjewadi, Magarpatta, Purandar), manufacturing belts (Chakan, Talegaon), and housing demand have pushed Pune’s real estate growth to 15% in 2025. Navi Mumbai & Thane: Affordable plots supported by MTHL, Third Mumbai, and metro expansion are attracting developers.Tier-II Cities: Nagpur’s MIHAN and Aurangabad’s AURIC industrial townships are pushing land values up 25–40%. 3. Strategic Long-Term Benefits​ Scarcity & Appreciation: Unlike buildings, land does not depreciate, and plotted developments often outperform apartments. Portfolio Diversification: Land is a tangible, inflation-hedged asset offering stability and rental or farming income. Low Maintenance: After legal checks, upkeep is minimal with no structural obligations. Versatility: Land can be used for villas, commercial projects, farms, or weekend homes. Tax Benefits: Agricultural land provides tax exemptions, & long-term capital gains rules are favourable. 4. State Policy & Developer Confidence Maharashtra’s real estate is buoyed by regulatory clarity, RERA transparency, metro monetisation, and expressway investments. Industry leaders project historic growth due to this supportive policy environment. 5. Long-Term Outlook (5–10 Years) Capital Appreciation: Core transit-linked zones may see 10–20% annual growth. Income Generation: Farmland near Nashik, Pune, and Amravati yields export-grade crops, boosting both income and land value. Infrastructure-Linked Gains: Proximity to ports, SEZs, and metros ensures sustained demand. Wealth Preservation: Land creates inter-generational legacy assets with options for leasing or future development. 6. Strategic Pointers for Investors Location First: Prioritise plots near expressway exits, metros, or industrial zones. Legal Checks: Verify title, 7/12 extracts, and zoning via Mahabhulekh. Basic Maintenance: Agricultural plots may require caretakers—factor in costs. Patience Pays: Hold 5–10 years for optimal appreciation. Land investment in Maharashtra offers a unique blend of infrastructure-driven growth, tax efficiency, low upkeep, versatile usage, and long-term wealth preservation. From hubs like Pune and Navi Mumbai to corridors such as Samruddhi and AURIC, the state presents a diversified ecosystem. For investors seeking capital gains, rental income, agricultural profits, or legacy assets, Maharashtra remains one of India’s most promising real estate destinations. Adv. Mukesh B. ZendeB. Sc. LL.B. MBA, (Corporate Law)Patent Attorney On Record+91 98222 68068adv.mukessh@tosslegal.com

The holiday season in India is a time of joy, togetherness, and new beginnings. It’s when families come together, homes are lit with diyas, the aroma of sweets fills the air, and hearts overflow with gratitude. It’s also a time for giving — and in India, gifting is more than tradition; it’s an expression of love. Last year alone, nearly 1.3 billion Indians — 98% of the population — bought or considered buying gifts for their loved ones during Diwali and Navratri. Gifts, after all, symbolize blessings, prosperity, and affection. This year, the festive season began with a meaningful surprise from the Government of India — the rollout of GST 2.0 on September 22nd. This landmark reform brought a positive shift to the real estate sector, which had long been burdened by high tax rates. Taxes on construction materials such as cement, tiles, bricks, marble, granite, and paints have been substantially reduced. The result? Lower construction costs and, ultimately, more affordable homes for buyers — a truly special festive gift for millions dreaming of homeownership. So, as you search for the perfect present this Diwali, why not choose a gift that holds lifelong value — real estate? A home is not just a property; it’s a promise of stability, security, and prosperity. It’s a gift that keeps giving, generation after generation. According to research by Sotheby’s International, real estate enquiries in Tier I cities rise by nearly 20% between October and November, with interest from both homebuyers and investors. Tier II cities, too, witnessed over a 7% increase in sales last festive season. The numbers reveal what we already know — real estate is India’s most cherished investment during the festive months. Here are five reasons why real estate is truly the best gift this Diwali: 1. The Gift of a Future Real estate appreciates in value over time. A strategically chosen property can yield significant returns. Buying a home in an upcoming locality today can become the foundation of your loved one’s tomorrow. When you gift property, you’re gifting the opportunity to build dreams, stability, and independence — a future illuminated with hope and prosperity. 2. The Gift of Security In uncertain times, when markets fluctuate and inflation rises, real estate stands strong. Historically, property values have not only kept pace with inflation but have often outpaced it. Real estate acts as a shield that protects your family’s financial future. A home becomes more than an asset — it becomes a source of peace and reassurance. 3. The Gift of Income Real estate offers a steady source of passive income. Renting out your property generates reliable monthly earnings, making it one of the safest and most consistent investment options. Unlike stocks or bonds that depend on market swings, a well-located property gives you tangible, long-term benefits — truly a gift that pays for itself. 4. The Gift of Stability Property ownership also gives you leverage. With a modest down payment and a home loan, you gain access to a valuable asset that appreciates over time. When rented out, the income can often cover the EMI, transforming your purchase into a self-sustaining investment. In this way, real estate becomes the foundation of financial balance and stability. 5. The Gift of Certainty Real estate is tangible — something you can see, touch, and live in. It is both an emotional and financial asset, giving you the comfort of permanence and the pride of ownership. A home embodies love, effort, and legacy. It is where memories are made, milestones are celebrated, and generations find belonging. Ultimately, real estate is the gift that keeps on giving. It appreciates in value, provides security, generates income, creates stability, and gives certainty — all the pillars of a prosperous life. This Diwali, as you light lamps and share laughter, consider giving your loved ones — or yourself — the most meaningful gift of all: a home. Because a home is not just four walls and a roof; it’s a space where happiness resides, where dreams take shape, and where every festival truly feels complete. Happy Diwali! May your home always glow with light, love, and lasting prosperity.

The Indian real estate industry is evolving faster than ever. Developers, brokers, and consultants all face the same challenge: how to capture attention in a crowded market and convert it into real business. Today’s buyers are digital-first—with nearly 90% of property searches beginning online. Traditional methods—hoardings, flyers, even generic digital ads—are falling short. Budgets get spent, but leads don’t always convert. This is where Artificial Intelligence (AI) is reshaping the game. Unlike conventional campaigns, AI-driven strategies learn, adapt, and deliver precision at scale. What AI Brings to the Table Smart Targeting – Engage only the audiences most likely to buy, saving time and money. Predictive Insights – Anticipate demand in micro-markets and align projects with buyer interest. Lead Scoring & Automation – Focus on hot leads while AI nurtures the rest. Adaptive Campaigns – Ads evolve in real time, reducing wastage. AI-First Visibility – Beyond Google, AI ensures discoverability on platforms like ChatGPT, Gemini, and Perplexity—where tomorrow’s buyers are already searching. Why It Matters For real estate professionals, AI isn’t replacing expertise—it’s amplifying it. Realtors build stronger pipelines, developers optimize spends, and consultants deliver sharper, data-backed advice. Everyone in the ecosystem benefits from faster closures and reduced costs. The Tipping Point 2025 marks a decisive shift. Early adopters report 30–40% lower cost per lead and faster sales cycles. In an industry where timing and trust define success, AI-driven marketing is the competitive edge. Closing Note The future belongs to real estate leaders who combine human expertise with AI precision. The question isn’t if you’ll adapt—but when. About the Author Priyanka Girdonia is the Founder of E Giraffes Digital Pvt. Ltd, a results-driven digital marketing agency based in Pune. With 18+ years of expertise in marketing and 200+ successful projects, she specializes in driving sales and visibility for real estate brands. Her agency has powered landmark achievements such as enabling a 300,000 sq. ft. BTS warehouse deal with Nykaa and other e-commerce giants through the strategic use of Google Ads, SEO, and LinkedIn marketing. Priyanka is recognized for blending creativity with data-driven precision, helping developers, brokers, and consultants achieve faster closures in highly competitive markets.