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C;kt eqDr vkokl ;kstukInterest Free Home Scheme

PROSPECTUS

An initiative by:

The Agarwal Associates Group popularly known as Aditya is one of oldest Real

Estate companies to bet big on the Development of Real Estate. The company

literally set the corner stone, upon which you see super structures - be it the

futuristic office complexes, malls or apartments - standing tall today.

Established by the late Shri. B.B Agarwal, a highly experienced civil engineer, the

company has been at forefront of real estate development in the Delhi-NCR

region for more than a quarter of a century. He had the farsightedness to see the

enormous potential in the property and real estate market in Delhi & NCR and

build a lifelong relationship with his clients and investors by providing them with

excellent services throughout his long and illustrious career. It was his vision and

pioneering spirit that helped revolutionize the real estate arena with the mammoth

and futuristic projects that the company undertook.

Agarwal Associates Group has constantly met and gone beyond the expectations

of its clients, investors and business partners. The company today leads the real

estate sector with a number of commercial and residential projects under its belt

in addition to designing awe-inspiring structures in the Educational Sector.

The company today is known for its superior construction quality and

commissioning of major commercial complexes and shopping centers that combine

the triple advantage of prime location, best investment opportunities and value for

money. It’s the result of these solid foundations and the living proof of numerous

completed projects that differentiates Agarwal Associates from others. At the most

basic level, their ability to strictly adhere to project completion schedules and meet

all building laws and regulations have won them the respect and admiration of all

their constituents and stakeholders - customers, business associates and investors.

We are giving homes to the families, business places to the entrepreneur &

investment options to the investors.

GROUP PROFILE

We shall make all our efforts to lead as a benchmark real estate group, creating

environment friendly human habitation projects in line with customer needs. Good

Business Practices, Quality Practices, Quality Products, Integrity, Customer and Product

Value, shall guide our vision towards building a great institution. It was the pioneering

spirit of our founder that enabled the Agarwal Associates Group, build a reputation in

the industry as a forward thinking company, always ready to push the bill and tip the

scales in its favor by banking big on technology and innovation. After more than 35 years

in the industry, our new mission statement is to build upon our reputation by constantly

exploring uncharted territories and being the first to develop and use innovative systems

and improved processes to optimize productivity and add value to all our projects. We

wish to provide shelter for all segments of people.

UMA AGARWALCMD

AGARWAL ASSOCIATES GROUP

ABOUT THE SCHEME

With an objective to serve its customers by delivering affordable products at

uncompromising quality & value for money rates, Investors Clinic has come up with an

exciting opportunity called “Byaaj Mukt Awas Yojna” an initiative to provide Interest Free

Homes to all.

Under this unique & one of its kind scheme, customer will not be paying any interest on the

home loan availed. They will only be paying the principal part of it and thus this scheme is

also called “Equal Principal Repayment (EPR) scheme.

The biggest USP of the scheme is huge saving on interest which otherwise works out to

more than the principal loan amount. The Equal Principal Repayment has to be done in

only 100 months against the traditional home loan period of 240 months thus enabling the

customer to save 12 precious years of loan tenure.

Another major benefit of this scheme is that the customer can re-use their eligibility after

100 months because of relatively smaller duration of the loan period. The customer can

also easily exit any time from the scheme by selling the property. They can save equivalent

amount of property value and invest what you save in other asset classes. Due to timely

possession of the projects under this scheme, the rental income will also start soon.

NOTE FROM CMD

Q1. What is the scheme? What do you mean by EPR?A1. It is an interest free scheme. Customer will not be paying any interest on the amount taken from the financial institution to buy the property. He will pay back only the total amount taken in 100 equal monthly installments. This equal monthly installment of the principal component is called Equal Principal Repayment (EPR).

Q2. How ‘Zero’ interest is possible?A2. It’s a unique & one of its kind arrangements between financial institution & the developer. This special initiative is brought to you by Investors Clinic.

Q3. What is the duration for principal repayment?A3. Duration of principal repayment is 100 months. The balance principal amount after paying the required self-funding contribution to the developer will be divided into 100 equal installments knows as EPR.

Q4. How is it different from traditional home loan?A4. The biggest difference between both the schemes is huge saving on interest which otherwise the customer would have paid in any traditional housing loan scheme. Duration of this scheme will be for 100 months against the traditional home loan period of 240 months saving almost 12 years of loan tenure, thus enabling customer to re-use his loan eligibility after 8.33 years.

Q5. Who is eligible for this scheme? What are the eligibility criteria?A5. All persons eligible for taking a home loan are eligible including salaried, self-employed etc. Eligibility criteria of individual clients will depend upon their monthly income & credit rating.

FREQUENTLY ASKED QUESTIONS (fAQ’S)

Illustration 1 – EPR Comparison with Traditional Home Loan

Loan Scheme

Property Value (In Rs)

Own Contribution (20% of property value) in Rs

Loan Component (80% of property value) in Rs

Tenure In Months

Monthly EMI In Rs

Net Outow*In Rs

Standard Loan**

50,00,000 10,00,000 40,00,000 240 40,000 106,00,000

Byaaj Mukt Awas Yojna

50,00,000

10,00,000

40,00,000

100

40,000

50,00,000

Savings

56,00,000

*Net Outow: EMI X 240 months + Own Contribution

** Standard Loan: Assuming fixed rate of interest @ 10.52% for

20 years

ASSUMPTION - 2 BHK OF 1000 SQ.FT x PRICE @ RS. 5000/SQ.FT. = RS. 50 LACS

FREQUENTLY ASKED QUESTIONS (fAQ’S)

Q6. What is the Age criterion for this scheme?A6. In this scheme person’s up to 55 years of age can take Interest Free Loan as the duration of this scheme will be for 100 months against the traditional home loan period of 240 months.

Q7. What are the documents required?

A7. The first set of documents required are KYC of the customer, income documents, i.e. 6

months’ salary slip & 6 months bank statement in case of salaried, 2 years ITR with computation

of income & 1 year bank statements in case of self-employed. Depending on person’s credit

rating more documents could be required.

Q8. What if I am not eligible for 80% Interest Free Loan or if I want to take less than 80% Interest

Free Loan instead of complete 80%?

A8. The pro-rata calculation will be applicable here. Customer will have to pay the balance

amount to the developer as per the applicable pro-rata. You can take the loan amount less than

80%, in that case also Interest Free Loan amount will be divided in 100 equal installments almost

the same as you pay for in a 20 years traditional loan.

Q9. Will fluctuating interest rates depending on government’s policies affect me?

A9. No impact on customer of monetary policy as you have to pay only the Principal Amount.

Q10. What if I want to resale the property after a certain period? Is this Interest Free Loan

transferable?

A10. Yes you can resale your property anytime you like. The prospective buyer can take full

advantage of tenure of up to 64 months, paying only the EPR. You can also charge a premium on

your property as the next buyer will also get the same benefit of zero interest for the balance

tenure of the EPR.

Q11. What if in case developer delays offer of possession?

A11. You will get your dream home on a date range as promised by the developer. However in

case of any unfortunate delay, the developer will pay heavy delay penalty. The penalty charges

will be higher as compared to other projects in that area.

Q12. Can I get possession of my property & can get it registered before completion of 100

months?

A12. Yes you can get the possession of property and can get it registered before 100 months as

this has nothing to do with Interest Free Loan tenure.

Q13. If the delivery of my property is after 2years, How much do I have to pay to the financial institution in this scheme as compared to traditional & subvention home loan?A13. Please see the illustration as below explaining vividly the comparison between this scheme vs traditional vs subvention home loan;

Q14. Is loan facility available in non-metro cities?A14. Facility is available in all major metros & tier 1 cities. The financial partner is in the process of establishing its contact points in tier 2 & 3 cities. Please do check with your service associate for a specific list.

Q15 Can I buy another property in this scheme?A15. Yes, you can buy another property approved under the scheme depending on your eligibility.

Q16. Can I get the same scheme in this project by a bank of my choice?A16. No this scheme is approved only by our preferred financial service partner.

FREQUENTLY ASKED QUESTIONS (fAQ’S)

Property Value 5,000,000 Booking Amount 500,000

Loan amount 4,000,000

Annual interest (Fixed rate)* 10.52 %

Expected Delivery period 2 years

Op�on 1 Op�on 2 Op�on 3

Pre-EMI of 2 years and Tradi�onal Loan of

20 Year a�er possession

Subven�on of 2 Years, then

loan of 20 years a�er

possession

EPR= Equal Principal

Repayment (Byaj

Mukt Awas Yojna)

(Amount in Rs.) (Amount in Rs.) (Amount in Rs.)

Interest on Loan for 20 years a�er possession 5,600,058

5,600,058

0

Pre EMI Interest for 2 years ** 674,815

-

0

Total Interest Amount paid by customer 6,274,873

5,600,058

-

Interest Amount paid (% of Loan Amount) 157% 140% 0%

Monthly Payout (EMI/EPR) 40,000

40,000

40,000

Monthly Payout (EMI/EPR) % of Loan Amt 1.00% 1.00% 1.00%

Loan Eligibility U�lised for period 22 years 22 years 8.33 years

- Interest Expense (Amount In Rs.) 3,186,524

2,511,709

-

(%) 80% 63% 0%

- Principal Repaid (Amount in Rs.) 528,310

528,310

4,000,000

(%) 13% 13% 100%

- Pending Loan Liability (Amount in Rs.) 3,471,690

3,471,690

-

(%) 87% 87% 0%

* Corresponding Floa�ng Rate of interest will be @ 9.55%

** Pre-EMI calcula�ons done basis Bank funding of 50% at �me of booking and 10% each in 6, 12 and 18 months respec�vely

PARTICULARS

Net Posi�on a�er 100 months from today :

LOCATIONMAP

MASTER PLAN

Apar ments

1, 2 & 3 bhk apartments at nh- 24, ghaziabadSUPER AREA : 783, 924, 925, 950, 1125, 1205, 1340 & 1380 sq ft

PROJECT OVERVIEW

SITE PLAN

Apar ments

1.�Entry2.�Open�Air�Theatre3.�Swimming�Pool4.�Kids�Pool5.�Wooden�Deck

6.�Shopping�Arcade7.�Party�Lawn8.�Basket�Ball�Court9.�Badminton�Court10.�Palm�Avenue

11.�Yoga�&�Meditation�Area12.�Tot-lot13.�Elders�Meeting�Point14.�Kids�Play�Area15.�Putting�Green

16.�Exercise�Station17.�Jogging�Track18.�Water�Tower19.�Teens�Court

CITY APARTMENTS

FLOOR PLANS

1 BHK + 2 toi SUPER AREA 783 SQ. FT.

2 BHK + 2 toi SUPER AREA 924 SQ. FT.

Apar ments

CITY APARTMENTS

FLOOR PLANS

2 BHK + 2 toi SUPER AREA 925 SQ. FT.

2 BHK + 2 toi SUPER AREA 950 SQ. FT.

Apar ments

CITY APARTMENTS

FLOOR PLANS

3 BHK + 2 toi SUPER AREA1125 SQ. FT.

3 BHK + 2 toi SUPER AREA 1205 SQ. FT.

Apar ments

CITY APARTMENTS

FLOOR PLANS

3 BHK + 2 toi SUPER AREA 1340 SQ. FT.

3 BHK + 2 toi SUPER AREA1380 SQ. FT.

Apar ments

SAMPLEAPARTMENTPHOTOGRAPHS

Apar ments

CITY APARTMENTSPRICE LIST &PAYMENT PLAN

Sale Price : BSP + Rs. 2,75,000 (for 1 covered car parking)

NOTE :

• Payment to be made by A/c payee Cheque(s) / Demand Draft(s) drawn in favor of “M/s Agarwal Associates (Promoters) Limited” payable at New Delhi / Delhi / Ghaziabad.• Stamp Duty, Registration charges, EDC, IDC and all other applicable government charges/taxes including Service Tax and / or GST are not included and shall be charged extra and are to be borne by the Allottee(s)• Other Charges as Power Back Up of Rs. 20,000 per KVA, EDC & IDC of Rs 100 per sq ft, Interest Free Maintenance Security, Advance Maintenance, Electricity Connection and Meter charges are extra & will be paid at the time of offer of possession.• This is a Non- refundable, Non- cancellable payment plan.• Price are subject to change without any notice from time to time, at the sole discretion of the company which shall not affect who have already enrolled.• The above rates are for super area only.• Booking is subject to detailed terms and conditions as given in allotment agreement.• All specification, numbers and areas are tentative.

10% of Sale Price

80% of Sale Price

10% of Sale Price + PBC + IFMS + AM + EDC & IDC

At the time of booking

Within 30 days of booking (by financial institutions)

On offer of possession of your at

PAYMENT PLAN

BLOCKS A, B, C, D, E, F & G

Apar ments

CITY APARTMENTS

SIZES in sft 783 924 925 950 1125 1205 1340 1380

TYPE 1BHK+1T 2BHK+2T 2BHK+2T 2BHK+2T 3BHK+2T 3BHK+2T 3BHK+2T 3BHK+2T

FLOOR BASIC COST (in lacs)

19 21.85 25.78 25.81 26.51 31.39 33.62 37.39 38.50

18 22.00 25.96 25.99 26.70 31.61 33.86 37.65 38.78

17 22.16 26.15 26.18 26.89 31.84 34.10 37.92 39.05

16 22.32 26.33 26.36 27.08 32.06 34.34 38.19 39.33

15 22.47 26.52 26.55 27.27 32.29 34.58 38.46 39.61

14 22.63 26.70 26.73 27.46 32.51 34.82 38.73 39.88

13 22.79 26.89 26.92 27.65 32.74 35.07 38.99 40.16

12 22.94 27.07 27.10 27.84 32.96 35.31 39.26 40.43

11 23.10 27.26 27.29 28.03 33.19 35.55 39.53 40.71

10 23.26 27.44 27.47 28.22 33.41 35.79 39.80 40.99

9 23.41 27.63 27.66 28.41 33.64 36.03 40.07 41.26

8 23.57 27.81 27.84 28.60 33.86 36.27 40.33 41.54

7 23.72 28.00 28.03 28.79 34.09 36.51 40.60 41.81

6 23.88 28.18 28.21 28.98 34.31 36.75 40.87 42.09

5 24.04 28.37 28.40 29.17 34.54 36.99 41.14 42.37

4 24.19 28.55 28.58 29.36 34.76 37.23 41.41 42.64

3 24.35 28.74 28.77 29.55 34.99 37.48 41.67 42.92

2 24.51 28.92 28.95 29.74 35.21 37.72 41.94 43.19

1 24.66 29.11 29.14 29.93 35.44 37.96 42.21 43.47

BASIC SALE PRICE (BSP)

CLUB AMENITIES

State of the art gym Badminton COURT BASKETBALL COURT

Yoga & Meditation hall Open sit out areatable tennis

meeting point Children’s play area Swimming pool

SPECIFICATIONS

CITY APARTMENTS URBAN HOMES LUXURIA ESTATE

Living And Dining

Flooring

Walls

Internal Doors

External Doors & Windows

Vitrified Tiles

Flooring

Walls

Internal Doors

External Doors & Windows

Laminated Wooden Flooring in Master bedroom& Vitrified Tiles in Remaining Bedrooms

Bedroom

Vitrified Tiles

Elegantly Finished with POP Punning & OBD

Factory made panel Doors with Hardwood Frames

Powder Coated Aluminium / UPVC Doors & Windows

Corridor/ Lobby

Flooring

Walls

Vitrified Tiles

Granite Cladding & OBD

Kitchen

Flooring

Walls

Doors

External Doors & Windows

An�-skid Ceramic Tiles

Elegantly Finished with POP Punning & OBD

Factory made panel Doors with Hardwood Frames

Powder Coated Aluminium / UPVC Doors & Windows

Toilets

Flooring

Walls

Doors

External Doors & Windows

An�-skid Ceramic Tiles

Elegantly Finished with POP Punning & OBD

Factory made panel Doors with Hardwood Frames

Powder Coated Aluminium / UPVC Doors & Windows

Electrical Copper Wiring in Concealed PVC Conduits. Sufficient Light Power Point, Provision for TV., Telephone Points in Living Room & Bedrooms.

External finish Superior paint finish

Balcony Flooring

Super Structure

An� - skid Ceramic �les

Earthquake Resistant RCC Framed Structure

Powder Coated Aluminium / UPVC Doors & Windows

Elegantly Finished with POP Punning & OBD

Factory made panel Doors with Hardwood Frames

USP &CONNECTIVITY

• Government approved free hold land

• Contemporary architecture, surrounded by greens & manicured landscape

• Splendid ambience with tree avenues

• Vastu friendly layouts with optimum utilization of space & proper natural light

• Gated complex with CCTV & Intercom facilities

• Grand entrance lobby

• Large balconies with plenty of cross ventilation

• In-house maintenance services for all common facilities

• �100% power back up for common areas

• Elder’s meeting point area

• Located in close vicinity of best cities namely Delhi, Electronic city Noida & Greater Noida

• Proposed metro station in vicinity

• Well connected to all the commercial & leisure locations

• 15 minutes from Fortis hospital & Shipra mall

• Is in close proximity to educational institutes like DPS school, IMS, IMT & ABES

Engineering college

• Stone throw distance from Columbia Asia Hospital

CONNECTIVITY

USP

PROPOSEDMETRO NETWORK

Source - www.gdaghaziabad.com

POSSESSIONDATE & PENALTY

31/3/2017 Rs�10�/-�sq.�ft.�per�month�for�delayed�period

Urban Homes

(�C�to�F�block�)31/3/2018

City Apartments

(�A�to�G�block�)31/3/2018

Luxuria Estate

(�A�to�F�block�)

PROJECTS POSSESSION DATE PENALTY IN CASE OF DELAY

NH-24 IN NEWS

Rs�10�/-�sq.�ft.�per�month�for�delayed�period

Rs�10�/-�sq.�ft.�per�month�for�delayed�period

*applicable only for bookings in BMAY Scheme

*

ACTUAL SITEPHOTOGRAPHS

Investors Clinic, India's largest real estate consultants is a trusted name PAN India & Globally.

Investors Clinic, a pioneer amongst professional real estate consulting companies in India, has

served both domestic and international arena. With an experience of almost a decade in the

industry, Investors Clinic boasts of expertise in providing best in class customer service through

world class technology, process and response mechanisms.

Investors Clinic is perfectly placed to offer tailored advice across the investment process, ensuring

an investment decision that never stops growing.

Driven by a workforce of more than 2000 real estate veterans

Association with more than 200 leading developers

Base of approx. 1 Lac satisfied customers

Sold property worth Rs 40,000 Cr

More than 30 offices across the world

Sold from a diverse palate of more than 500 projects PAN India

One of the highest tax-payers in the industry

Turn around time of less than 90 minutes, a first for the realty services

State-of-the-art inventory management system

World class CRM solutions

Dedicated Customer Care Team

CONFERRED WITH BEST OF THE TITLES OF THE INDUSTRY

“World's Greatest Brands 2015 Asia & GCC”; chosen out of 1200 brands across 16 industries

& 62 sub-categories

“Glory of India Award & Certificate of Excellence”

Realty Kings Awards for Excellence “Leading Real Estate Consultants-Honey Katiyal,

Investors Clinic”

Builders Council of India “Best Real Estate Consultant”

Rajiv Gandhi Awards “Best Real Estate Consultants”

ABOUT INVESTORS CLINIC

Site Office : Aditya World City, Near Columbia Asia Hospital, NH-24, Ghaizabad

Service Provider : Investors Clinic, Tapasya Corporate Heights, Tower A, Ground Floor, Sector 126. Noida 201301

W : www.bmay.in | E-mail : care@bmay.in

General disclaimer : This document is for informa�on and illustra�ve purposes only and does not purport to show actual results. It is not, and should not be regarded as investment advice or as a recommenda�on regarding any par�cular investment or course of ac�on. Opinions expressed herein are current opinions as of the date appearing in this material only and are subject to change without no�ce. Past performance is not indica�ve of future returns. Visual representa�ons shown in the prospectus are purely conceptual. All building plans, specifica�ons, layout plans etc are tenta�ve and subject to varia�on & modifica�on by the company, architect or the competent authority. Brand names appearing in the prospectus are for artwork purposes only.