Realty Blogs

VK GROUP Since its inception in 1973, VK Group has been instrumental in shaping the architectural and urban landscape of modern Indian cities, particularly in oestern and southern India. As one of India’s oldest and most respected frms, oe have groon to offer services in environmental design, urban design, architectural design, interior design, and operations services. These verticals – VK:a architecture, VK:e environmental, VK:i interiors, VK:o operations, and VK:u urban – collectively uphold their ethos of multidisciplinary offerings under one roof. Visionaries driving the Growth: AR. VISHWAS KULKARNI Founder and Partner at VK:a With over ifve decades of expertise, Vishwas Kulkarni has transformed Pune’s architectural landscape through award-winning projects and active contributions to policy and mentorship in AESA, IIA Pune, and other organizations.   AR. HRISHIKESH KULKARNI Partner at VK:a; Founder and Partner at VK:e , VK:u, VK:i MA Environment & Energy, Member, Architectural Association, London, BREEAM QA. Holding Directorship across all verticals, Hrishikesh Kulkarni utilizes 25+ years of experience to drive design and technical delivery with innovation, a global outlook, and a passion for technology and collaboration.   DR. POORVA KESKAR Co-Founder and Partner at VK:e environmental; Trustee, Sustainability Initiatives; IGBC Chairperson, Pune Chapter; LEED AP, TERI GRIHA Evaluator and Trainer, ECBC Master Trainer An architect, environmental designer, and educator with 25+ years of experience, Poorva Keskar specializes in climate-responsive and sustainable architecture, contributing as an expert on esteemed boards and committees.   AR. ANAGHA RAJ PUROHIT Co-Founder and Partner at VK:e environmental; Trustee, Sustainability Initiatives. M.Arch – Environmental Planning, ASU, USA; GRIHA Trainer, IGBC Evaluator. An architect and urban environmental planner with 20+ years of experience, Anagha Purohit’s professional work span across nations like USA, and Sweden and actively contributes to professional bodies, including GRIHA, BEE, IIEC, PBAP, CERDAI, and USAID.   APOORVA KULKARNI Head of Operations at VK Group. Trustee, Sustainability Initiatives. B Commerce, MBA (Marketing), Member of CIM (Chartered Institute of Management) UK Apoorva Kulkarni leverages 15+ years of experience to cultivate a high-performance, employee-focused culture at VK while excelling in process-driven management, PR, operations, and ISO certiifcation.   AR. VIJAY SANE Co-Founder and Partner at VK:u urban. Grad. Financial Markets & Property Investment, FINSIA, Sydney Afifliate member, Singapore Institute of Planners With 20+ years of international expertise, Vijay Sane excels in master planning, project management, and ifnancial oversight, highlighted by his work with Philip Cox and a published white paper on megaproject management. CONTACT US: 020 6626 8888

International Property HARMONIA – City Garden Pattaya Treasures for Your Life Discover the exquisite Harmonia City Garden Condominium, a masterpiece of European architectural design nestled in the heart of Pattaya. This luxurious development seamlessly blends opulent living with a healthy lifestyle, personal wellness, and a genuine connection to Pattaya’s unique natural beauty. Our magnificent condominium complex offers an unparalleled quality of life, featuring stylishly designed condos that evoke happiness and fulfillment. The ground floor boasts expansive communal areas and recreational spaces, including a breathtaking swimming pool that encircles the entire complex, lush gardens, and more. This superb low-rise complex, adorned with welcoming decor, immerses you in an island-inspired ambiance, fostering a sense of harmonious balance. Harmonia comprises buildings with eight floors, each surrounded by pools, fountains, walkways, and gardens. Convenient underground parking provides easy access to various facilities, including restaurants, cafes, massage shops, and a rooftop bar with a garden landscape. This true oasis of five-star leisure and healthy lifestyle living offers an island vibe within one compound. Located in a prime central area of Pattaya, Harmonia City Garden ensures the happiness and lifestyle you deserve. It is conveniently close to all essential establishments for you and your family’s daily needs, with easy access to Pattaya’s popular attractions. Harmonia City Garden offers spacious one and two-bedroom units designed to evoke happiness and fulfillment. Located in Central Pattaya, it provides a tranquil, natural environment within four distinctive buildings: Castro, Diamond, Apus, and Bella. Our luxurious project features five-star facilities, promoting harmony between people and nature. The first floor fosters a sense of connection, while the upper floors continue to offer serene and fulfilling living spaces. Harmonia City Garden is the ideal place for a healthy, thriving lifestyle. Contact Us: +66 6-1985-7437 Commercial Property AP4 Tech Park by Amar Builders & Pristine Properties – Pune East AP4 Tech Park,a Pre-Certified IGBC Platinum Rated*, an IT Park located in Kharadi, spans over 17.35 acres and offers a range of IT Office Spaces. The expansive IT Park development has meticulously designed wings offering IT Office spaces of approx. 4 Million Sq.Ft. of Self-Sustained Campus. Configuration & List Price IT Offices – Each Unit Ranging from 13,615 Sq.Ft – 18,033 Sq.Ft Start at 18.10 Cr + Govt.Taxes.   Ambrosia Galaxy by Divyasparh Group – Pune West Ambrosia Galaxy is a boutique commercial project located at Pancard Club Road, Baner, Pune, offering premium office spaces with modern infrastructure. Strategically positioned near major highways and business districts, it ensures seamless connectivity. The project focuses on creating a vibrant work environment that fosters innovation and well-being. With state-of-the-art facilities and professional management, Ambrosia Galaxy supports business growth and success. Configuration & List Price Commercial Offices – Each Unit Ranging from 457 Sq.Ft – 1386 Sq.Ft Offices start at 1 Cr + Govt.Taxes.

TDS applicability on property sale transactions by non residents (NRI’s) As per Indian Tax Laws, TDS provisions apply on various financial transactions in India. TDS is also applicable on Property Sale Transactions in India. In relation to property sale matter, if the seller is Resident Indian, TDS rate is 1% and governed by Section 194IA. However, if the seller is Non-Resident (i.e. NRI, OCI, Foreign Residents), TDS is governed by Non-Resident TDS provisions i.e. section 195. Under the Non-Resident TDS provisions i.e. Section 195, TDS rates apply at the maximum rates on the Sale Amount of Property. This Rate is 12.5%, if property is Long Term Capital Asset. If the Property is Short Team Capital Asset the tax will apply as per regular slab rates maximum being 30%. Subject to, Applicable surcharge and 4% cess is extra.   TDS Rate and Difficulties on Non-Resident Property Seller Generally, in all property sale transactions, it happens that the actual tax liability in the hands of the tax payer (non-resident seller) is lesser than the proposed TDS on that transaction, due to various factors. The pain of Non-Resident property seller can be understood by an example, E.g. An NRI agrees to sell a property @ 1 Crore, and property purchase cost (without indexation) in the hands of NRI is Rs 50 Lakhs. Hence, a capital gain arises for Rs 50 Lakhs. Now, as per Non-Resident TDS provisions (Sec 195), considering property is a long term asset (i.e. holding period exceeds 2 years) the applicable TDS is 13.80% (12.5% + SC 10% + CESS 4%) of sale amount i.e. Rs 13.80 Lakh. Though Actual Tax Liability is Rs 6.50 Lakh only i.e. 13% of Rs 50 Lakhs (12.5% + 4% cess; SC not applicable upto Rs. 50 Lakhs gain). Hence, in the above situation, as per applicable NRI TDS provisions 13.80 Lakhs TDS will be deducted against actual tax Liability of Rs 6.50 Lakhs. Though, NRI can claim the excess TDS refund (Rs. 7.30 Lakhs) through filing of ITR. However, it is a time taking process and no assurity of getting the said refund. If TDS deducted on full amount, Non Resident money will be blocked with Income Tax Department for a long time, which causes loss of Interest or Investment earnings also. Hence, this is a Genuine Hardship on the Non-Residents (NRIs, OCIs) in relation to their property sale matter transactions in India. To overcome this situation, Income Tax Act provides for Lower TDS Certificate (or also called as TDS Exemption Certificate) under section 197 of Income Tax Act.   NRI Lower TDS Certificate or TDS Exemption Certificate – Section 197  To seek relief in the Withholding Tax Rates, NRI/Foreign Citizen can apply for Lower TDS Certificate (TDS Exemption Certificate) with the Jurisdictional Income Tax Authority. On submission of documents, the application moves to the Jurisdictional TDS Certificate Officer. The officer reviews the application and raises observations & further requirements if any. On satisfying all the concerns, the officer processes the certificate and allows Lower TDS to the NRI/Foreign citizen in relation to the transaction.  On receipt of the Lower TDS Certificate (or TDS exemption certificate) the buyer deducts the TDS as per Certificate. Hence, through this process NRI/Foreign citizen gets TDS relief before the sale transaction, and avoid blocking of their money with Income Tax Department.   Changes after July 2024 Budget. After 23rd July 2024, as per new Budget, Resident Individuals have been granted 2 options while selling their property bought before 23rd July 2024, they can either calculate and Pay Capital Gains Tax @ 20% with Indexation Benefit or @12.5% without Indexation Benefit whichever is more Beneficial for them. However after Budget 2024, The Benefit of Indexation is NOT available to NRI’s. They have to calculate the Capital Gain only as per New Scheme which is 12.5% without Indexation and hence opting for LTDC is the only relief to safeguard their interest and pay tax ascertaining real value of gain   Synopsis To reduce TDS on property sale by NRI is needed to furnish the application within the Income Tax Department to provide the certificate for Nil/Lower Deduction of TDS, the same certificate assists the NRIs in reducing the TDS liability, and hence most NRIs chooses for the same Certificate. But furnishing the form is a tough chore also Communication with Income Tax Authorities for getting Certificate is also tough task thus the majority of NRIs opt for the Chartered Accountant to furnish the application.   Anand Sham Chandak Proprietor, CA Anand Sham Chandak & Co. Chartered Accountant           

In today’s fast-paced world, finding quality deals without compromising standards is a priority. Discount Feast is here to make that possible, offering unbeatable discounts on dining, resorts, shopping, and optical and eyewear stores. Beyond savings, Discount Feast creates a thriving ecosystem for users, buyers, and channel partners, ensuring a win-win for all. What is a Discount Feast? Discount Feast is a curated membership program that connects people to exclusive offers across lifestyle categories. From fine dining and luxurious resorts to stylish shopping and quality eyewear, it’s a one-stop solution for significant savings. A Value-Driven Approach Discount Feast emphasizes affordability and accessibility by partnering with a wide range of restaurants. Customers enjoy diverse cuisines from local specialties to international dishes, while restaurants benefit from increased visibility and business. How Discount Feast Works Through partnerships with dining establishments, resorts, retail outlets, and optical stores, Discount Feast offers members exclusive discounts. Members can save on outings, vacations, and purchases, making every experience more rewarding. One standout feature is its Channel Partner Program, which benefits everyone involved: For Customers: Access premium services at discounted rates, enabling more exploration and savings. For Merchants: Boost sales with strategic discounts. Restaurants attract more diners during slow hours, resorts fill rooms in off-seasons, retail stores see increased spending, and optical stores gain more clients. For Channel Partners: Sell Discount Feast Memberships to earn commissions, creating a flexible and profitable business opportunity. Benefits of Being a Channel Partner Joining the Discount Feast Channel Partner Program comes with several advantages: Earn Commissions: Get rewarded with a percentage for every voucher sold. Flexible Model: No need for inventory or storefronts—simply sell memberships and grow your income. Marketing Support: Access resources to maximize sales and reach customers effectively. Redefining Membership Discounts Discount Feast goes beyond standard discount programs by building a value chain where everyone wins. Customers save on lifestyle expenses, businesses see growth, and channel partners enjoy a sustainable income stream. Why Choose Discount Feast? Curated Savings: Quality discounts with a focus on user satisfaction. Diverse Options: Savings on dining, vacations, shopping, and optical needs. Mutual Benefits: A structure supporting members and partners alike. Join Discount Feast today to explore, save, and thrive. Whether you’re a curious adventurer, smart shopper, or aspiring entrepreneur, there’s something for everyone. www.discountfeast.co.in

It is expected that real estate India will be significantly transformed by the year of 2025, and along with its key emergence factors- growing economy, advanced technologies, and increasing urbanization – it has the potential to be a true gamechanger. Scope:  At this moment, the need for affordable housing is at an all-time high, and PMAY (rural) continues to serve as one of the many government efforts that need to be undertaken. On the other hand, luxury property demand is trending. Consequently, we can expect further advancement in construction technologies to occur. The best part about this would be the innovation in financing and construction material that could make housing significantly less costly and more sustainable. This all paints a clear picture of rising construction speeds and an all-around greater efficiency.  Technology:  With time, smart cities are bound to emerge, new construction developments see the integration of smart technologies for homes with enhanced security features. The traditional ways of property management make inefficiency and transparency almost customary, but the use of data analytics mitigates both efficiently. The tech divide needs to be solved before thoughts of these advanced technologies become a reality and let us be honest, greener sustainable buildings will be built once these factors get emphasis. Commercial real estate  It is likely to continue expanding owing to growth of retail, the proliferation of co-working spaces and new office space requirements. However, the market must be responsive to new ways of working and evolving preferences. There is likely to be a surge in the requirement for more versatile and hybrid workspaces. Furthermore, the incorporation of technology within commercial properties such as smart building management systems is set to become more prevalent. Challenges:  Obtaining land continues to be a major challenge together with the limitations imposed by lack of sufficient infrastructure as well as lack of access to finance. Solving these problems requires the participation of the state, the private market, and the banking system. Confronting these barriers is likely to be critical to realizing the full opportunity of the Indian real estate landscape. Nothing constrains investor confidence more than difficult legislation and lack of sound policy to support the business of real estate. There is little doubt that the enforcing and deepening of the provisions of RERA is an absolute must. All that will promote investment; consolidating the investment environment by simplifying the regulatory framework and ensuring transparency, compliance with fair investment and doing business principles. But introduction of these devices alone does not suffice, the emergence of institutional structures and other devices deeply embedded in the fabric of society, of reinforced and capable transnational corporations is also required. Conclusion:  The Indian real estate industry can expect to become more globally integrated by 2025, with a focus on advanced sustainability, alternate financing options, fostered affordable solutions and immaculate transparency. About Author: Rohit Gaikwad is India’s renowned Real Estate Master Coach & a published author. He has sold 12.5 million sq ft till November 2024 & counting. He is recognized as an authority on how to build a super-profitable Real Estate business using simple and easy strategies without a huge investment. He has worked with over 500 realty Brands & authored 10 books on Indian real estate. To know more, kindly visit www.RohitGaikwad.com [email protected] Phone: 020-67873302

The Indian real estate industry has witnessed exponential growth in demand over the past decade, with millions of homes required to meet the housing needs of a rapidly urbanizing population.  To keep pace with this surge and ensure timely delivery of high-quality homes, developers must embrace innovative construction technologies. Among these, Aluform (Aluminium Formwork) technology has emerged as a game-changer, offering speed, efficiency, and sustainability to transform the way buildings are constructed.  Advantages of Aluform Technology  Aluform offers a host of benefits that make it a game-changer for modern construction. Chief among these is its ability to save both time and costs, with forms designed for approximately 200 repetitions. This reusability significantly lowers material costs and accelerates project timelines, making it ideal for large scale developments.  The lightweight design of Aluform components ensures high strength and  durability while resisting corrosion, adding to their longevity. Additionally, the  system eliminates the need for heavy tower cranes to move forms, reducing  logistical challenges and project costs.  Another critical advantage is its environmental friendliness. Unlike traditional construction methods that generate significant debris, Aluform technology minimizes waste and promotes a cleaner construction process. It aligns  seamlessly with modern green building practices, reducing the carbon footprint of  projects. From a structural perspective, Aluform allows for the simultaneous  casting of concrete columns and beams, improving efficiency. It also delivers  smooth finishes that enhance the aesthetic appeal of structures, reducing the need  for additional plastering and finishing work.  Applications and Future Potential  Aluform technology is versatile, finding applications across residential, commercial, and infrastructure projects. Whether for high-rise apartments, office spaces, or urban infrastructure, it delivers unmatched precision and speed, meeting the demands of modern construction.  As the industry moves towards greater digitization and sustainability, Aluform’s potential for integration with emerging technologies like prefabrication, robotics, and AI positions it as a future-ready solution. Its ability to balance efficiency with environmental responsibility ensures its relevance for decades to come.  Aluform at Vilas Javdekar Developers  At Vilas Javdekar Developers, we have embraced Aluform technology as a cornerstone of our construction strategy. A unique differentiator for us is our in house Aluform factory, which gives us complete control over the production process.  This capability ensures superior quality, cost-efficiency, and timely delivery across all our projects. Our use of Aluform exemplifies our commitment to blending innovation with excellence, ensuring every home we build reflects the highest standards of design and craftsmanship.  Aluform technology is more than just a construction tool; it’s a transformative force reshaping how the real estate industry approaches design and execution. By combining efficiency, sustainability, and aesthetics, Aluform paves the way for a smarter and greener future. At Vilas Javdekar Developers, we are proud to be at the forefront of this transformation, delivering homes that stand as benchmarks of quality and innovation. Sarvesh Javdekar Technical Director, Vilas Javdekar Developers [email protected] 

Tapping into their inherent nature of creativity and connectivity, VINK Media Solutions has become a trendsetter in the advertising arena. Their vision is to deliver impactful, result driven advertising solutions, which makes VINK Media Solutions the desired partner for all the brands. A Comprehensive Advertising Powerhouse VINK Media Solutions stands out in the advertising industry with its dual focus on traditional and non-traditional media. Their core strength lies in ambient media, offering services across Cinemas, Hoardings, Malls, Radio, Airport, Transit media, Digital Outdoor and Indoor displays, Corporates / IT parks and publicity campaigns. Their portfolio of services is equally impressive, encompassing:   Innovation at the Core True to its ethos of staying ahead of the curve, VINK Media Solutions continuously adapts to the evolving advertising ecosystem. They are about to launch the latest technology empowered large Digital Outdoor screen in Pune’s most prime location. This screen will integrate advanced technologies to deliver immersive and high-impact advertising, setting new advertising standards.   Why Brands Trust VINK What sets VINK Media Solutions apart is its commitment to tailoring advertising solutions to each client’s unique identity and goals. With an unwavering focus on cost-effectiveness and measurable outcomes, they ensure maximum ROI for their clients. Their dedicated team provides end-to-end support, guiding businesses through every stage of their advertising journey.   Over a period of five years, since their emergence, VINK Media Solutions has successfully executed more than 300 campaigns, establishing a strong foothold in the advertising industry. On a national level, the company has already served prominent brands such as HP (Hewlett-Packard), Bluestone Jewellery, TVS Motors, HERO Motors, Turtlemint, Indoco, KOPA, ECCO, and Apollo 247 (Apollo Hospitals), delivering impactful campaigns that have elevated their market presence and made a mark for themselves. Regionally, VINK boasts of an extensive portfolio in the real estate sector, working with leading names like VTP Realty, Amanora, Pristine, Nanded City, Phoenix Mall, Kohinoor Group, Majestique Landmarks, Supreme Universal and numerous others. Their ability to craft tailored solutions has earned them trust across diverse sectors.   Pioneers Behind the Vision   The Journey of VINK Media Solutions is anchored by its visionary business promoters:   Nikhil Kale: With over 15 years of extensive experience in cinema advertising and media solutions, Nikhil specializes in business development and national client coordination, ensuring a seamless experience for clients across diverse industries.   Vishal Tandon: A seasoned media expert with over 15 years in cinema and radio advertising, Vishal’s expertise is especially valued in his connect with clients, media network and unconventional solutions especially in the Real Estate Sector. His insights and strategies enrich the company’s offerings, ensuring exceptional results for clients.     Unlocking the Future of Advertising Brands thinking of innovative, impactful, and solution-driven campaigns would find suitable solutions for their marketing requirements from VINK Media Team.    Discover the power of advertising with VINK Media Solutions – your gateway to success.   Nikhil Kale & Vishal Tandon Co-Founder, VINK MEDIA SOLUTIONS  [email protected]

MAHARERA: Key Updates and Developments Since its inception in May 2017, MAHARERA has played a pivotal role in shaping the real estate sector in Maharashtra. Over the past 7.5 years, over 48,000 projects have been registered, with 15,647 completed. Additionally, approximately 48,000 real estate agents have been registered under the Act. Here are the latest developments: Launch and Rollback of the New Web Portal In August 2024, MAHARERA initiated a shift to a new integrated portal, MAHACRITI, aimed at modernising processes. Despite organising online training sessions, users—comprising developers, agents, and promoters—found the portal cumbersome and non-user-friendly. In response to representations from industry bodies like CREDAI and NARDECO, MAHARERA reverted to its original portal in September 2024. While the intent behind MAHACRITI was commendable, it highlighted the need for MAHARERA to collaborate with end-users to ensure future initiatives are more accessible and practical. Leadership Transition Long-serving MAHARERA leaders, Mr Ajoy Mehta and Mr Vasant Prabhu, retired recently after impactful tenures. Stepping into their roles are IAS officer and former Chief Secretary of Maharashtra, Mr Manoj Saunik, as Chairman, and Mr Prakash Sabale as Secretary. Their leadership marks a new chapter for the organisation. New Model Agreement and Allotment Letter MAHARERA introduced a new Agreement to Sell and Allotment Letter format on 4th September 2024 via Order No. 60/2024. Key updates include the inclusion of parking spaces, a list of amenities with delivery timelines, and the requirement of three RERA-approved bank accounts. These changes ensure greater transparency and accountability, much to the satisfaction of property buyers. Recognition of Real Estate Agents in Agreements Order No. 63/2024, issued on 22nd October 2024, mandates the inclusion of real estate agents’ details in the Agreement to Sell. This not only formalises their role but also ensures due recognition of their efforts and secures their remuneration. Minor revisions were made after agent representatives provided feedback.   Compulsion for Co-Promoters to Maintain Three RERA Bank Accounts Order No. 56/2024 made it mandatory for co-promoters in joint ventures to maintain three RERA-approved bank accounts in the same bank as the primary promoter. Initially, this created confusion and additional costs, particularly for projects involving multiple landowners. Addressing these concerns, MAHARERA granted concessions to co-promoters under area-share agreements, allowing them to retain their area share for personal use without maintaining additional bank accounts. However, co-promoters in revenue-share agreements must still comply with the original directive. These measures underscore MAHARERA’s efforts to bring greater transparency, accountability, and efficiency to Maharashtra’s real estate sector. Future updates are expected to address user-friendly digital solutions and refined co-promoter regulations.   Swanand Dhondse Senior Management Consultant, Swanand International RERA Consultants  [email protected]

Thailand is emerging as a hotspot for global investors, offering a perfect blend of economic growth, infrastructure advancements, and a thriving tourism industry. Here’s why Thailand stands out as a prime investment destination: Eastern Economic Corridor (EEC)   The Eastern Economic Corridor (EEC) is a cornerstone project designed to position Thailand as a high-tech industrial hub. The EEC focuses on innovation and cutting-edge industries such as aerospace, automotive, biotechnology, and the digital domain. Such an ambitious initiative opens up a sea of opportunities for investors keen on tapping into the future of technology and industrial development.   Casino Development   Thailand’s casino industry is on the cusp of a significant transformation. The government has approved the development of casinos in four major cities: Bangkok, Chiang Mai, Pattaya, and Phuket. These projects are poised to boost the hospitality, tourism, and entertainment sectors, presenting lucrative opportunities for investors in these industries.   Industrial Development   Thailand’s industrial sector is experiencing rapid growth, bolstered by government initiatives such as the “Thailand 4.0” strategy. This forward-looking policy emphasizes the development of high-tech industries, including robotics, artificial intelligence, biotechnology, and renewable energy. With a focus on innovation, the industrial landscape in Thailand is set to thrive, making it a compelling sector for investment.   Tourism   As one of the world’s most sought-after tourist destinations, Thailand welcomed over 39 million visitors in 2020. The government has set ambitious goals to increase tourism revenue to 2.5 trillion baht by 2025. This vibrant tourism industry offers a plethora of opportunities for investments in hospitality, travel, and cultural enterprises.   Infrastructure Development   Thailand is investing heavily in infrastructure to support its growing economy. Major projects include high-speed rail links, airport expansions, seaport developments, and extensive road network upgrades. These enhancements not only improve connectivity but also create a favorable environment for business and logistics, attracting both local and foreign investors.   Business-Friendly Environment   Thailand’s business environment is highly conducive to investment. Competitive tax rates, streamlined regulations, a skilled workforce, and a robust logistics network make it an ideal destination for businesses looking to establish or expand operations. Growing Economy   Thailand’s economy has shown steady growth, with a GDP growth rate of 3.8% in 2020. Increasing foreign investment and strong domestic demand further underline the nation’s economic resilience and potential.   Invest in Thailand Today!   With its strategic initiatives, dynamic economy, and investor-friendly policies, Thailand offers a unique opportunity to be part of its growth story. Don’t miss the chance to explore this vibrant and promising market. Ashutosh Dole Director, World Wide Properties +91 738 734 3309 [email protected] www.worldwidepropertie.in

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]