www.subhamgroup.com

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TIMEBOUND PROJECTS. TIMELESS RELATIONSHIPS

Edition V October 2014

In stark contrast to our cautious mood last year, we are happy to address you with calculated optimism this year as both the Indian economy and the real estate sector have begun to show signs of promise once again. The decisive mandate given by the people of this country to the new government is reflective of the change India wants.

The last financial year had been very challenging for the real estate sector, with rising cost and a tight funding environment, which subdued demand and impacted the companies in the sector. However, as the year progressed, positive news began to flow, the considerable, much awaited pragmatic reduction of the registration charges and stamp duty in immovable properties has provided a huge relief to the people of Assam. The liquidity in the banking system has also eased as the banks have been reducing their home loan rates which are likely to rekindle residential sales and have a positive impact on the real estate sector.

Looking ahead, over the past few years SUBHAM has built a reputation of being a company that creates innovative architecturial designs and also known for real translator of commitments towards our customers and stakeholders. Inspite of global uncertainties and spillover effects of slowdown on Indian economy, strong brand of Subham Group has helped us to achieve decent number of sale and retain the valued customers.

Presently, the company is developing both residential and commercial projects which are located in the areas of high growth with regard to infrastructure, connectivity and high future potential. After the successful delivery of our world class project “Subham Heights” as per our commitment, SUBHAM has been able to deliver yet another stunning project, called “Subham Regency” which is surely going to grab your attention and mesmerize you by its elegance.

As an organisation that believes in world-class quality delivery, we have established benchmark of qualitative and detailed standard work procedures that enable a seamless work flow between cross- functional teams. Consonant with our progressive culture, our processes are periodically reviewed and improvised to stay ahead with changing times.

As we move to a new chapter in our development path, we take this opportunity to thank all our stakeholders – our employees, our customers, our investors and the community at large for their relentless support. We urge you to continue to repose your priceless faith in the organisation.

Heartiest Greetings to all our valued customers, patrons, associates, banks & financial Institutions, on the occasion of Durga Puja, Deepawali and Holy Eid...

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I am an NRI settled in New York. I wanted to buy a flat in Guwahati for my parents to stay and accordingly asked them to look for it. They came to Guwahati and started looking for a flat. But not a single flat caught their eyes. They were disappointed and upset. Then one day, a friend called them and told them about 'Subham Heights' in Kahilipara. They immediately went to see the complex. As soon as they entered 'Subham Heights', the ambience caught their eyes. It was like love at first sight. The lady in charge cordially showed them around. After that, they met the Sales Team and had nice discussion and booked the flat. Besides ambience, what they liked was the excellent construction, cordial behavior of the staff and last but not the least is that everything is transparent. Now they are settled in 'Subham Heights' and are very happy to be a part of Subham Heights's society. All their relatives and friends are highly impressed with the beautiful complex and my parents feel proud to own such a beautiful home.

BHASKAR CHOWDHURY (Customer of Subham Heights)USPTA/PPTADirector of Racquet Sports, Wykagyl Country Club124 Nelson Avenue, Harrison, New York -10528, USA.

Few years back, buying a residential apartment in Guwahati was a daunting task, since no builder with corporate responsibility was in existent. Few of my friends burnt finger, while booking apartment in Guwahati. In some cases, GMC demolished portion of the construction and in some cases, booking commitments were not fulfilled. I had a mind to book an apartment in Guwahati but dared not, because of my apprehension about genunity of the promoter, till I came across Subham. I have booked a flat in their Zoo Road project and say that I have no cause of agony because of their corporate responsibility. This alone takes care of all agony. I am very happy with team Subham because they handled all my issues so efficiently and diligently that I have recommended my other friends to buy apartment from Subham

Testimonials

Customers Speak

PRANAB SIKDAR (Customer of Subham Buildwell)DirectorM/s Sikdar & AssociatesAdvocates & Consultants, Indirect tax.Keating Road, Shillong

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MR. A. DASGUPTARegional ManagerRAHUL AGARWALA

Editor Speaks

Guest Speaks

Speech

LIC Housing Finance Ltd, a premier housing finance company of India is having a vast network of offices across the length and breadth of the country and also representative offices at Dubai and Kuwait. The company is celebrating its Silver Jubilee year in 2014.It enjoys the highest rating from CRISIL and CARE indicating highest safety with regard to the ability of service interest and repay principal.In our country, population is on the rise, Land as a resource is limited. So land has become more valuable than anything in India. The three basic necessities of life is –food, clothes and shelter. A person is always ready to spend 50% to 60% of his month’s earning to repay his EMI of housing loan whereas he may spend only 20% to 30% towards his monthly bill for food. An individual, on the verge of retirement, is ready to invest his whole life’s saving for a decent house or flat. As a result, Housing Finance Segment has been witnessing a popular demand and an ever increasing growth across the country. Again, there is a pool of customers, mostly affluent, who park their savings in second flat as an option for investment.The new government at centre, to fulfil people’s aspirations, has increased the rebate for home loan interest from Rs.1.5 Lac earlier to Rs.2 Lac for self occupied houses. Again the limit of Sec 80 C has been increased from Rs.1 Lac to Rs.1.5 Lac, creating some space for exemption on home loan principal repayment. This will enable a home buyer to save more on his tax liability.At present LIC Housing Finance Ltd is offering home loans at the cheapest rate of 10.10%.The response from home buyers is overwhelming whether it is 25-30 Lac mid segment or 60-70 Lac upper strata. Even there is unprecedented growth in above 1 Cr premium segment . There is also growing demand of home loans for the purpose of repair or reconstruction of existing houses or flats.LIC Housing Finance also offers loans in Non Core Sectors which means loan against Property, Loans against Liquid Securities & Loan against Rental Income. The interest charged for these types of Loans is also quite attractive starting from-12.50% only . Terms of the loan may vary from 10 years to 20 years. For Loan against property ,Loan amount varies from Rs.2 Lacs to Rs.50 Lacs.People generally avail it for Children’s Education /Marriage purpose ,Business Expansion , Purchase of another property etc.There is a grand scope for budding Professionals for availing Loans upto Rs.10 Cr for purchase / construction / extension / renovation of commercial premises or purchase of equipments for own professional practices. Equitable mortgage of property/personal guarantee of directors or partners (as applicable)/hypothecation of equipments (if they are financed ) are used as security.For loan against liquid Securities, loans are granted against Life Insurance policies/NSC/KVP/FDs of nationalised banks etc. maximum loan granted is 95% of surrender value of policies / face value of instruments.For loans against rental income (rental securitization-LRD), applicants should be owner of residential /commercial property. Properties should be leased out to PSUs/state or central Govt undertakings/banks/FIs or reputed corporates. Security to be kept under this arrangement is equitable mortgage of property, Deed of assignment of Lease Rental and other usual Terms and Conditions. LIC Housing Finance is also aggressively operational in the field of project finance and corporate marketing. It has business relations with almost all reputed builders /promoters/developers in all major and even in tier 2 and tier 3 cities. A residential project, approved by LIC Housing Finance, attracts home buyers because of the brand name of LIC HFL. At LIC Housing Finance, it is a track record of Rs.1,39,000 Cr disbursement in home loan through our 225 operating offices and 11000 representatives. It is very rightly said for LIC Housing Finance Ltd- “Ghar aapne banaya, Hum ne sirf saath diya.”

Wishing all customers of Subham a heartiest festive season greetings.

As one more year has passed away, it brings us the prized opportunity to issue the fifth edition of our newsletter “Subham i speak”. In this informative bulletin we, as always, let you know about our latest activities and progress during this time. It also presents us the opportunity to convey key messages to our customers, colleagues and suppliers about the value of their trust, satisfaction & confidence and how they work as the pillars of our organization. Our introspection about how we can enhance our services in any aspect is elaborated in here.

The new government promises a better future for the Indian economy and the real estate sector as well. Huge relief for the home buyers in Assam due to reduction in registration charges and stamp duty in immovable properties, rebate in home loan interest from 1.5 to 2 lakhs are motivating signs already. Subham is into both residential and commercial projects. In the last 3 years completion and handover of 3 projects, viz, Subham Parkview (2012), Subham Heights (2013) and Subham Regency (2014) have taken place. We are proud to announce that we are going to handover two big residential projects in Guwahati, Subham Elite at Gandhibasti and Subham Greens at Lokhra Charali comprising 254 and 345 apartments respectively and two Commercial projects namely, Subham Redstone & Subham Bijay Crescent on G.S. Road.

In this regard I would also like to express my sincere gratitude and appreciation to our esteemed customers, colleagues and others who have been a part of our journey, directly or indirectly. We will be looking forward to strengthen this timeless relationship in times ahead.

Thanking you.

Editor

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Moveable FeastPicnic Time! The entire Subham Team enjoyed to the fullest on the day of office picnic. It was organised on 25th January 2014 in the tranquil beauty of Brahmaputra shore. The day was filled with scores of activities like singing, dancing and games. The day was absolutely fantastic, fun and enjoyable.

Post Holi MeetCelebration of festival of Colors at Subham Heights

During the vivid festivity of Holi, Subham Group in association with Subham Heights Society gave a formal convene to the occupants of the project through Post Holi Meet on 23rd March 2014. It was our pleasure that we got an opportunity to extend our gratitude to them by this occasion where the neighbours with their family and friends enjoyed an evening of joyous entertainment. The event was highly appreciated by the guests, their families and friends. It was filled with sweet moments and colourful memories where neighbours met other neighbours, friends greeted their friends and kids amused themselves cheerfully.

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SBI Property FairSubham in “SBI Property Fair -2014”, organised by Guwahati SBI home loan sales team (HLST), at Ulubari High School ground, near S.B. Deorah College. The fair continued for three days with a footfall of more than 3000 visitors from 1st August 2014 to 3rd August 2014. Along with Subham 20 other reputed real estate builders and developers participated in the event. The property fair provided complete home solution under one roof by its unique offer of “in principle approval’’of home loan during the property fair period.

Duliajan Property FairSubham Group participated in the “First Property fair” at Duliajan, organised by Dream Maker Properties in November 2013. It was a three day event from 15th to 17th November comprising of 20 stalls, 2 food counters for the customers, entertainment activity for each day and free goodies for sporty kids. The fair brought together a team of builders,construction companies, furnishing houses, home appliances and accessories group to the people of upper Assam under one roof.

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Constructions Update

Subham BuildwellWork is in full swing...

Subham Elite Approaching handover.... possession soon

Subham GreenApproaching handover.... possession soon

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Shishu Sarothi, Centre for Rehabilitation and Training for Multiple Disability, has been serving the cause of disability and the many special needs of persons with disabilities in the Northeast of India since 1987. Shishu Sarothi engages itself in education and rehabilitation, training, and employment, besides protection of rights of persons with disabilities and has over the years successfully transformed the lives of many in the region. In recognition of its achievements, Shishu Sarothi received the National Award for Best Institution (Additional) from the then President of India in 2004, and also the State Award for Best Community Service from the Chief Minister of Assam in 2007. Its Founder-Director Smt Mira Kagti was also honoured with the Rajiv Gandhi Manav Seva Award in 2011 and its present Executive Director, Arman Ali, with the National Award in Public Recognition for Outstanding Performance as Most Efficient Disabled Employee, 1998 and IBN7 Super Idol in 2012. Shishu Sarothi began as one of the first schools for children with cerebral palsy in the Northeast of India at a time when cerebral palsy, or for that matter any disability, was stigmatized. Over twenty-seven years the organization has grown from a two-child centre into a fine and vibrant institution that touches the lives of families and persons with special needs all across the Northeast. Our efforts would have not been possible had it not been supported by organizations like Subham Planners Ltd. Our heartfelt thanks to Subham Planners Ltd. for constructing staff quarters in the premises of Shishu Sarothi. The effort made by organization like Subham Planners Ltd. would indeed motivate other organizations to come forward to work for persons with disability and we also hope that this is just a beginning of a long term relationship with Subham Planners Ltd. We look forward to your continued support and long term association with you.

Arman AliExecutive DirectorSHISHU SAROTHICentre for Rehabilitation & Training for Multiple Disability

Delivered another master piece.

Presenting Subham Regency - an exceptional piece of architecture which will inspire awe all over Guwahati ! It’s our pleasure to deliver another house of your dream.

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Celebrations

Happy Birthday

Team Subham celebrated the joyfulness with Tilattama Balari, Senior Executive - Operations on the ocassion of her birthday.

Vishwakarma PujaDipayan Borah, Assistant Manager - Sales In honour of Lord Vishwakarma, the festival of Vishwakarma Puja

was celebrated with full enthusiasm in Subham Group. Beautiful pandals were decorated at Subham Elite, Subham Buildwell, Subham Greens and Subham Redstone which gave a festive look on this occasion. Employees wearing beautiful traditional attires came together and created a bright moment of joy and happiness. The ritual was followed by prayers and distribution of “prasad” at Subham Buildwell.

Education plays an important role in shaping an individual’s career. The level of education helps people to earn recognition and respect in the society. Undoubtedly education is both socially & personally an indispensible part of human life. However the inequalities in the standards of education are still a major issue that needs to be solved as early as it could be. The importance of education in our life cannot be ignored at any cost. Education is the only way to get knowledge.

2. Two indispensible things of you? i) Initiative (ii) Relationship

3. Your greatest fear? Failure

4. The most practical thing your job has taught you? Everything is possible

5. How long have you been working here? Last 3 years

6. How do you feel working here for the past few months? Feeling good

7. Which are the things that you like at your workplace? Freedom and flexibility

8. Which are the things that you do not like at your workplace? Nothing

9. Who is your role model? Bishnu Prasad Rabha…

1. The importance of education for you?

DISCLAIMER: This Newsletter is for Internal and Private circulation only. Content presented in this Newsletter constitutes only statements of personal opinion. Subham Planners Limited does not guarantee the accuracy, adequacy or the completeness of this information and is not liable for any consequences that might arise from the use of this information.

Interview

Tilattama BalariSenior Executive - Operations

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