Realty Blogs

In the dynamic world of financial services, trust and innovation form the cornerstone of successful enterprises. Dravyam Fintech, a rising star in the financial sector, is transforming the landscape by integrating advanced technology with traditional lending practices. With a focus on loans and a commitment to transparency, Dravyam Fintech is revolutionizing financial service delivery. A New Era of Lending Dravyam Fintech specializes in providing loans tailored to meet the diverse needs of individuals and businesses. From funding real estate projects to fulfilling personal goals, the company offers a comprehensive range of loan products designed to cater to a broad customer base. With partnerships spanning over 48 institutions and a remarkable ₹2,000 crores in approved loans, Dravyam’s strong market presence and extensive network speak volumes. What sets Dravyam apart in a competitive market is its customer-centric approach. By streamlining the borrowing process, the company ensures that every step of the loan application is hassle-free, swift, and focused on customer satisfaction. Technology at the Core Dravyam Fintech leverages cutting-edge technology to stay ahead in the modern financial ecosystem. At the heart of its operations lies an advanced application platform that enhances efficiency and ensures transparency. For channel partners, realtors, and other stakeholders, this proprietary technology is a game-changer. The platform provides real-time updates on loan application statuses, offering a clear view of the approval process. This level of clarity eliminates uncertainty, fosters trust, and sets a high standard in an industry where transparency is often lacking. Empowering Channel Partners and Realtors A standout feature of Dravyam Fintech is its dedication to empowering real estate professionals and channel partners. Recognizing their pivotal role in the lending ecosystem, Dravyam equips these stakeholders with tools that not only simplify their tasks but also enhance their ability to serve clients effectively. By enabling realtors and channel partners to monitor loan progress, the company fosters accountability and collaboration. This synergy strengthens relationships between Dravyam and its partners, ultimately benefiting end users. A Vision for the Future Dravyam Fintech envisions a future where financial services and technology merge to create transformative experiences. By prioritizing innovation and maintaining a customer-first approach, the company is paving the way for a financial ecosystem defined by trust, transparency, and ease of use. In an industry driven by precision and speed, Dravyam sets itself apart by embracing technology to deliver superior service. Its efforts serve as a benchmark for how financial institutions can evolve to meet contemporary demands. In Conclusion Dravyam Fintech is more than just a loan provider; it is a financial pioneer. By blending robust loan offerings with advanced technological support, the company emerges as a leader in the fintech space. Its unwavering commitment to transparency, efficiency, and empowerment underscores its vision for reshaping lending. Whether you are an investor seeking a forward-thinking partner, a realtor aiming to enhance client service, or an entrepreneur in need of financing, Dravyam Fintech offers an unmatched opportunity. With innovation at its core, Dravyam is poised to redefine how we perceive and experience lending. RAHUL BHALCHANDRA PATIL Director & CEO, DRAVYAM FINTECH PVT LTD [email protected]

A Growing Industry, A New Opportunity At a robust & powering growth rate of 20% India’s construction industry, is today one of the solid pillars that greatly supports the economy. With its rough and tumble, this and most of its allied fields have traditionally been dominated by men when it came to employment and related activity. That said, and given the sheer size of the industry, and its growth that encompasses multiple industries and fields, it holds holds immense potential for women to break barriers and redefine professional landscapes.  Recognising this, Niranjan Hiranandani, National President of the National Real Estate Development Council (NAREDCO), recently advocated for increased female participation in construction at a joint event with Mahi. The momentum was equally palpable at the Mahi Chairperson Appointment Ceremony at the Sheraton Grande Hotel, where Mrs Smita Patil was elected Chairperson of Mahi, a NAREDCO initiative to empower women in real estate. Prominent dignitaries, including municipal leaders, academics, and industry veterans graced the occasion, reinforcing it’s the importance of the subject. NAREDCO Mahi: Empowering Women Entrepreneurs Mahi, an initiative under the Ministry of Housing and Urban Affairs, is a national platform for women entrepreneurs in real estate that aims to equip women with tools and training to succeed in a highly competitive industry.  New Chairperson Smita Patil, put forth her vision of increasing women’s participation in construction, addressing workplace challenges, and advancing the cause of environmentally sustainable housing. It aligned perfectly with NAREDCO’s larger vision of ensuring affordable housing for all, as championed by PM Modi.   Key Personalities in Attendance: Voices of Change The Mahi Chairperson Appointment Ceremony featured a distinguished gathering. Shekhar Singh, Commissioner of Pimpri-Chinchwad Municipal Corporation, emphasised institutional reforms for gender inclusivity while calling for dedicated avenues for women professionals resonated with the event’s theme. Dr. Vidya Yeravdekar, Vice Chancellor Symbiosis University, spoke of education as a tool for empowering women, while Apekshita Tipse, General Manager of Cosmos Bank, highlighted the role of accessible financial support for women entrepreneurs. Celebrated actor Dev Gill acknowledged the broader societal impact of women’s participation, adding a cultural dimension to the discussions. Outgoing Chairperson Ananta Raghvanshi expressed pride in the platform’s progress, passing the baton to Smita Patil with optimism for the future. Bharat Agarwal, President of NAREDCO Pune, reinforced the organisation’s commitment to supporting initiatives like Mahi.   A Sustainable Vision for the Future The industry represents not only economic growth but also social responsibility. Mahi’s initiatives aims to address the dual challenges of gender disparity and environmental sustainability. Mrs Smita Patil’s agenda includes creating eco-friendly housing solutions and improving conditions for female construction workers, thus contributing to a progressive and inclusive future.   Conclusion India’s construction industry stands at a pivotal juncture, with gender inclusivity and sustainability becoming integral to its growth narrative. NAREDCO Mahi’s efforts, led by visionary leaders like Smita Patil and supported by industry stalwarts, exemplify the transformative potential of empowering women in real estate. As the sector expands, such initiatives promise a brighter, more equitable future for India’s realty landscape.

Innovative Construction Pedagogy Construction pedagogy is critical for preparing architecture students with a comprehensive understanding of building systems, materials, structural principles, and construction methods. Institutions such as SMEF’s Brick School of Architecture in Pune emphasize combining academic knowledge with practical applications, guaranteeing that graduates are ready to fulfill the needs of modern buildings and reach new heights. Historically, architectural education has stressed design and theory, but today’s complicated construction industry requires a more balanced approach. Architects must not only design visually appealing structures, but also ones that are environmentally friendly, economical, and structurally sound. SMEF’s Brick School of Architecture blends academic study with practical experience, allowing students to master building codes, construction procedures, and material usage. This integrated pedagogy teaches future architects to efficiently plan and manage projects, with an emphasis on practical application rather than abstract design. Technological advances are routinely altering construction pedagogy leaving students to gain immersive insights into the construction process through tools such as 3D printing, virtual reality, and Building Information Modelling (BIM). BIM, for instance, combines engineering, design, and construction management, allowing students to assess the influence of their decisions on the project’s lifecycle. SMEF’s Brick School of Architecture uses cutting-edge methods to prepare students for real-world challenges. Sustainability is a key component of current architectural education. Getting it right helps students learn the correct use of sustainable materials, build energy-efficient structures, and use environmentally friendly procedures. These abilities are critical as the need for durable, environmentally meticulous structures is on the rise. Impact on Real Estate Development By guaranteeing effective techniques, cost management, and cooperation with contractors and developers, architects skilled in construction procedures make a substantial contribution to real estate development in various ways, including: 1. Professional Collaborations: Architects with construction pedagogic training are excellent at managing construction teams, scheduling, and budgeting, and ensuring that projects adhere to deadlines, budgets, and standards. 2. Increased Cost and Time Efficiency: Trained architects can improve project success, cut waste, and streamline operations with a solid understanding of risk management, cost estimation, and procurement. 3. Smoother Technological Integration: Architects are better able to suggest creative, economical solutions when they are knowledgeable about contemporary techniques like prefabrication, modular construction, and smart systems. 4. Inclusion of Sustainable Development: Architects who are knowledgeable about green building certifications, like LEED, help developers create environmentally friendly, energy-efficient developments. Ar. Manali Deshmukh Vice Principal, Professor, SMEF’s Brick School of Architecture, Pune [email protected] Ar. Sudhir Deshpande Associate Professor, SMEF’s Brick School of Architecture, Pune [email protected]

The real estate market in Maharashtra is witnessing transformative changes, and  professionals in the industry need to stay ahead of these shifts. At SIILC we have taken  it upon ourselves to equip real estate agents with the skills, knowledge, and confidence  to thrive in this evolving landscape.  Our journey into real estate training began in January 2023, following the introduction of  MahaRERA Notice 41/2023, which made training mandatory for all registered real  estate agents. Since then, SIILC has proudly trained over 14,000 agents across  Maharashtra—a number that reflects our leadership in this field.  Real Estate and the Changing Landscape  Recent updates in MahaRERA regulations have brought new responsibilities for agents,  developers, and buyers alike. Policies such as the mandatory parking clause, which  ensures proper allocation and availability of parking spaces in housing projects, and the  inclusion of Section 15A in agreements, which emphasizes transparency in project  approvals and timelines, are reshaping the way the industry operates.  These changes are game changers for the real estate market, promoting trust and  professionalism while empowering homebuyers with clarity. At SIILC, we focus on  preparing real estate agents to adapt to these updates seamlessly, ensuring they can  guide their clients confidently and effectively.  Why Choose SIILC?  We don’t just train—we empower. SIILC offers real estate professionals the opportunity  to not only understand the basics of the industry but also stay updated with the latest market trends and regulatory changes. Our approach ensures that every agent we train is equipped to meet industry challenges head-on and succeed.  From understanding MahaRERA’s requirements to navigating practical real estate  scenarios, our training focuses on building real-world skills. We not just train agents, we create a new generation of real estate professionals who are confident,  informed, and ready to excel.  A Trusted Partner in Growth  With the support of real estate experts and an unwavering commitment to quality, SIILC  has become the most trusted name in real estate training. Our numbers speak for themselves: over 14,000 trained agents, and we’re just getting started.  As the real estate market continues to grow and change, we remain dedicated to being a guiding force for professionals who want to make a mark in this industry.  Ready to Lead the Way? Whether you’re just starting out or looking to enhance your career in real estate, SIILC is here to help. Together, let’s build a stronger, more professional real estate community that’s ready for the future.  For more information on our training programs, reach out to us today!   Ankit Maheshwari CEO, SIILC – SIMACES Learning LLP [email protected]

Baner and Pan Card Club Road: The Epicentre of Pune’s Growth For some time now, and for the foreseeable future, Baner’s Pan Card Club Road corridor—a promising artery in the region—has been swiftly transforming into one of Pune’s most sought-after locations. Known for its cosmopolitan vibe, high-end infrastructure, and strategic connectivity, this part of Baner offers a perfect blend of commercial spaces and urban sophistication. The Pan Card Club Road, originating from the service road on the Mumbai-Bengaluru Highway on one side and extending to Baner Road near Orchid School on the other, is home to premium commercial establishments, co-working spaces, high-rise residential complexes, and elite social infrastructure. Its seamless connectivity to the Mumbai-Bengaluru Highway and proximity to Balewadi High Street, elite schools like Orchid School, hospitals like Jupiter and Manipal, Balewadi Sports Complex, and metro stations make it a location of prime significance. Developers such as Raheja, Panchshil, Lodha, Malpani, Supreme, Kolte-Patil, and Kalpataru have recognized its potential, establishing luxurious commercial and residential spaces that are shaping Baner’s skyline. One-Place Baner: A New Benchmark in Commercial Excellence A remarkable addition to Baner’s glittering skyline is Mittal Brothers’ One-Place Baner, a high-end commercial project redefining investment opportunities in Pune. With 16 stories and three wings, One-Place Baner is designed to offer world-class commercial spaces with sustainable and innovative features. Key Features of One-Place Baner: Commercial Spaces: The ground and mezzanine levels house premium shops measuring 760 sq ft, offering a high-street ambiance perfect for top-tier brands. Studio Apartments (Commercial Lease Model): The 2nd to 5th floors consist of 240 compact studio apartments ranging from 240 to 325 sq ft, fully furnished and leased to Tribe Coliving. These units function as part of a co-living business model, delivering guaranteed returns to investors. Office Spaces: The 6th to 15th floors feature modern office units measuring 490 to 575 sq ft, leased to EFC, a leader in co-working spaces. This ensures steady rental incomes and long-term investment security. Rooftop Amenities: The project boasts an infinity pool, a branded restaurant, and a health club on the rooftop, creating a vibrant space for networking and relaxation. Sustainability Features: Certified as an IGBC Gold-rated project, One-Place integrates solar energy, rainwater harvesting, sewage treatment, and 100% power backup. Why Invest in One-Place Baner? Guaranteed Returns One-Place Baner offers a hassle-free ownership model with units leased to Tribe Coliving and EFC under long-term agreements (up to 15 years) with guaranteed rental escalation every three years. Monthly returns range from ₹15,500 to ₹64,500. Strategic Location Located on Pan Card Club Road, it enjoys exceptional connectivity to the Mumbai-Bengaluru Highway, metro stations, premium schools, and elite shopping destinations. Revenue-Generating Maintenance Model Innovative revenue sources like paid parking, digital facade advertising, and a fixed corpus fund ensure efficient maintenance and added income. Unparalleled Capital Appreciation With property rates in Baner rising exponentially, One-Place Baner offers a lucrative opportunity for capital growth, with rates expected to rise significantly in the next decade. The Future of Baner and One-Place Baner With superior connectivity, premium developments, and a thriving urban lifestyle, Baner is poised to become Pune’s most prestigious location. Mittal Brothers’ One-Place Baner is a testament to this transformation, offering a unique blend of luxury, functionality, and investment potential. It stands as a perfect choice for discerning investors seeking reliable income streams and long-term growth.   Dilip Mittal Director, Mittal Brothers [email protected]

Pune is the cultural & educational hub of Maharashtra. The city is witnessing a transformative era in urban development. As the city population grows, there is an increasing need for innovative & sustainable redevelopment projects that not only revitalize the existing infrastructure but also enhance the quality of life for the citizens. All our redevelopment projects are at prime locations so we strive to design iconic but sustainable structures. All our projects are proposed to Green building certification from IGBC for Gold rating. These projects are modern, sustainable & Community centric. These projects also aim to breathe new life into underutilized or dilapidated areas, creating vibrant public spaces & fostering a sense of community among residents. Our USP:  Designing & Liasoning compliances covered thoroughly. Sustainable Design Expertise Personalized Client Experience Collaborative Design approach Time Bound Services The processes involve the  Analysis of the existing building and its surroundings. Needs of the existing members Feasibility reports and commercial viability explanation to the developers. Legal and Local authority compliances. IGBC (Indian Green Building Council) Certification. Final Execution & Handover. Inference:  As Pune Continues to evolve, redevelopment projects will play a vital role in shaping city’s future. At Archmaze, we believe that thoughtful designs can transform underutilized spaces into vibrant hubs of activity, enhancing good quality of life. As Architects, we are committed to contributing to city’s planned & organic growth & development. Ar. Sahil J Khinvasara (Founder & Principal Architect at Archmaze Associates) +91 9021588829 [email protected]

Congratulations on your new home!  A significant milestone, it symbolizes stability & security. Verify Legal Documentation to ensure they are complete & accurate. They include: Sale Agreement & Title Deed: Confirms authenticity & registration. Occupancy Certificate (OC): Ensures builder has adhered to approved plans. Encumbrance Certificate: Confirms property is free of legal liabilities. Builder’s NOC: Necessary for smooth registration & utility connections. Detailed drawing / plan of concealed wiring & plumbing (from builder)    Inspect the Property and to make sure everything is as mentioned in the agreement: Structural Quality: Look for cracks, dampness, or uneven flooring. Plumbing & Electrical Work: Test faucets, drainage, switches, & sockets. Paint & Finishing: Check walls, ceilings, & fittings for a flawless finish. Doors & Windows: Ensure smooth operation & proper locks, get entry card & electronic lock demo Video door phone & settings   Check Amenities & Common Areas Additionally, in gated communities, inspect shared amenities like parking, lifts, clubhouses, & security systems.    Utility Connections: Ensure they are in your name & functional Electricity & Water Supply Gas Pipeline Connection (if any) or its provision  Internet & Cable Services (Tip: Wired internet is way more stable than wireless) Maintenance Services Mechanism to receive timely updates of service interruptions.   Interiors:  Take precise measurements forFurniture placement Modular kitchen designs Tip: Consider hiring a professional interior designer   Review Financial Protection Owning an apartment is a significant financial investment. Safeguard it by: Getting your Life Insurance Policies up-to-date including a cover that’s adequate to cover unforeseen calamities. Purchasing Home Insurance for damages caused by natural calamities, theft, or accidents. Reviewing Financial Goals to adjust and accommodate new expenses.   Change Your Address and communicate it: On aadhaar card of all family members  To Banks, Insurance & Credit card Companies Employers & educational institutions Post office & courier services. Also, inform your old post office to re-direct mail to your new address. (They are obliged to do it for about 3 months)   Register your new address on Google Maps for people to locate faster.   Know your neighbours  Build a good rapport with your new neighbours besides familiarising yourself with local amenities like grocery shop, hospitals, cooking gas providers, gas stationpetrol pump, 24 hr medicine shop & public transport.    Plan a Housewarming Celebrate your new home with family & friends. Housewarming not only marks your achievement but also helps create lasting memories.   Conclusion Taking possession of a new flat involves more than just signing papers & moving in. By following this checklist, you can ensure a smooth transition & secure your investment for years to come.  Vivek Godse Life Insurance Agent BNI Sr Support Director | Trainer 9422529005 [email protected]

Pune’s residential market has shown resilience and growth over the past few years. This report by CRE Matrix provides an in-depth analysis of the city’s housing trends over the last 6 quarters and up to 3 years. The report presents key insights through graphs illustrating quarterly sales and launches, as well as the total value of units sold over the past three years. A comprehensive table of top launches in Pune city in CY 2024 is also featured. This report offers valuable data and trends for developers, investors, and homebuyers. With its focus on recent market activity, this report serves as a timely resource for understanding Pune’s residential market. By examining the latest trends and developments, readers can gain a deeper understanding of the city’s housing landscape   Pune’s commercial office market has undergone significant transformations over the past 12 years. To provide a comprehensive understanding of this evolution, CRE Matrix has compiled a detailed report on the rental index of A-grade offices in Pune. This report delves into the percentage change in rents from 2012 to 2024, offering valuable insights into the market’s growth trajectory. Additionally, the report compares the rental trends between Pune’s Central Business District (CBD) and Hinjewadi, highlighting the divergent paths taken by these two prominent commercial hubs. The findings presented in this report will serve as a vital resource for investors, developers, and occupiers seeking to navigate Pune’s dynamic commercial office market. With its in-depth analysis and data-driven graphs, this report provides a definitive guide to understanding the complexities of Pune’s A-grade office market.

The Indian real estate sector is undergoing a significant transformation, propelled by an ever evolving legal framework and reforms aimed at transparency, accountability, and efficiency. Of all the states constituting India, Maharashtra has emerged a front-runner in implementing these changes, ensuring a robust legal foundation for developers, investors, and homebuyers alike. This article explores key legal developments shaping the sector, and Maharashtra’s pivotal role therein. Regulatory Evolution in Indian Real Estate Implementation of RERA The Real Estate (Regulation and Development) Act, 2016 (RERA), marked a paradigm shift for the real estate industry, aiming to protect homebuyers and ensure project transparency. Its key features include: Escrow Accounts: Preventing fund diversion. Mandatory Registration: Projects and agents must register with state RERA authorities. Standardised Agreements: Ensuring compliance and imposing penalties for violations. Dispute Resolution: Speedy resolution of grievances. Maharashtra’s Impact: MahaRERA, the state’s regulatory authority, has set benchmarks for effective implementation. Its proactive measures have instilled confidence among developers and buyers alike, ensuring absence of disputes or their faster resolution besides streamlined operations. Amendments to Land Acquisition Laws The ‘Right to Fair Compensation and Transparency in Land Acquisition, Rehabilitation and Resettlement Act, 2013’ replaced outdated laws, providing fair compensation and rehabilitation to landowners. Maharashtra’s Perspective: Robust policies have facilitated landmark infrastructure projects like the Mumbai Metro, Pune Metro, and Samruddhi Highway, minimising disputes and expediting approvals. GST in Real Estate The introduction of the Goods and Services Tax (GST) created a uniform tax structure, replacing multiple indirect taxes. For under-construction properties, GST is levied at a flat rate, simplifying compliance. Maharashtra’s Contribution: Clarity in tax structures has fostered an organised market, benefiting developers and buyers alike. Legal Reforms Specific to Maharashtra MahaRERA Initiatives MahaRERA has been instrumental in driving regulatory reforms, including: Ease of Access: Online registration and grievance redressal mechanisms. Dispute Resolution: Conciliation forums have resolved numerous disputes, reducing litigation. Transparency: Mandatory disclosure of project details, including financials, on the MahaRERA portal. Unified Development Control and Promotion Regulations (DCPR) Maharashtra’s Unified DCPR aims to optimise land use and boost affordable housing through: Increased floor space index (FSI) to encourage vertical growth. Incentives for slum rehabilitation and redevelopment. Provisions for transit-oriented development. Stamp Duty Reductions To revitalise the real estate market during the pandemic, Maharashtra temporarily reduced stamp duty, leading to a surge in property registrations. This policy underscored the importance of flexible fiscal measures. Redevelopment Policies Maharashtra’s Cluster Redevelopment Policy facilitates the redevelopment of old buildings and slums, ensuring better living conditions and modern infrastructure. Challenges in the Legal Landscape Despite these advancements, the sector faces persistent challenges: Dispute Resolution Delays: While MahaRERA’s forums are efficient, traditional courts remain burdened. Complex Approval Processes: Developers encounter delays navigating multiple approvals. Land Ownership Disputes: Unclear titles and overlapping claims hinder large-scale projects. Compliance Costs: Smaller developers struggle with increased regulatory costs. Proposed Solutions and Future Outlook Digital Transformation Land Records Digitisation: Initiatives like Maharashtra’s e-Mojani aim to ensure clarity and reduce disputes. Online Approvals: Streamlining project approvals through digitisation. Enhanced Coordination Collaboration between state authorities and developers can minimise delays and create a more investor-friendly environment. Policy Revisions Simplifying regulations and incentivising sustainable practices will attract long-term investments. In conclusion, Maharashtra’s proactive legal reforms have not only set a benchmark for other states but also positioned the real estate sector as a pillar of economic growth. By addressing persistent challenges and leveraging technology, the state can continue to lead India’s real estate transformation, benefiting all stakeholders. Adv. Mukessh Bajirao Zende, B. Sc. LL.B. MBA, (Corporate Law) Patent Attorney On Record +919822268068 [email protected]

As we stare down the barrel of a new year, we have the annual opportunity to look back at the world and try to make sense of the year that has just passed. Today, I want to speak about the world of Indian and global entrepreneurs and their investment habits. As data shows, these habits have everything to do with real estate! HSBC recently released their HSBC Global Entrepreneurial Wealth Report 2024. They focused on multiple aspects of business in this, but most importantly they performed in-depth analyses of how entrepreneurs from all corners of the earth invest their money. This report, which surveyed business owners or entrepreneurs – from across the world, mind you -allocate their wealth to investment, and real estate forms a significant part ofit! That is to say, they use real estate to generate a stream of income – mostly through renting or leasing out their properties. This data shows that throughout our world, entrepreneurs invest in real estate! That same HSBC report goes on to state that Indian entrepreneurs have some of the highest rates of investment in real estate. 61% of Indian businessowners and entrepreneurs, for instance, own real estate for investment purposes. To those of us that are watching the Indian real estate sector, this should not come as a surprise. 2024 has been a year of meteoric growth for Indian real estate; private investment alone grew by 20% this year. Between 2023 and 2024, Indian real estate developers are estimated to have built nearly 5 million homes. In 9 Indian metropolises, over 90 million square feet of office space was leased. In the coming year, that space could increase by at least 15 million square feet. Just like India’s GDP, our businessowners aim to grow and make money. Therefore, I contend that the study of entrepreneurs is vital to understanding our modern economy. So, if we were to listen to Indian entrepreneurs, what are they saying? They are saying that there is a reason that they are optimistic about investing in real estate. India is going to grow – its cities will sprawl out horizontally as they climb ever higher. The question is, will you be a wise investor or will you be left behind? Investing wisely and carefully in real estate is a great way to get Real Rich and, in today’s ‘age of the entrepreneur’, real estate has been proven to be the world’s preferred avenue of investment! Final Thoughts for the Wise Investor The Indian real estate market in 2025 is, barring any unforeseen pitfalls, inevitably going to be a growth market. Investing in this market, whether it is a long-term investment or a quick-flip, is bound to be a wise choice. If you are a wise investor and you are investing safely, 2025 is sure to yield immense returns! Dr. Atul Goel MD, Goel Ganga Group