From Maruti Ciaz to Mahindra Scorpio: Festive season discounts & deals on cars under Rs 10 lakh

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It is that time of the year again when gifts and festivities are exchanged and well, more importantly to us, new cars are bought. The auspicious time of Navratri and Diwali is closing in and if you’re beginning to bite your nails as to what to buy and make the best of it, we’re happy to help. A lot of car manufacturers have announced car discounts and offers. From Renault, Honda to Mahindra, and also luxury brands like BMW and Jaguar Land Rover are into Diwali discounts. However, here we’ll focus on cars priced between Rs 8.2 lakh to Rs 10 lakh. So, if that’s what your price bracket is, you’re welcome.

Maruti Suzuki Ciaz

A very popular sedan in Maruti Suzuki’s lineup, the Ciaz is priced at Rs 8.19 lakh for the base variant and Rs 10.97 lakh for the top trim. Petrol and diesel engine options include a 1.5-litre diesel and a 1.3-litre petrol. The automatic transmission is only available in the petrol trim. Maruti Suzuki Ciaz currently has cash and exchange offers on it – Rs 10,000 corporate discount and an exchange bonus of Rs 15,000.

Hyundai Verna

A competitor to Maruti Suzuki Ciaz, Hyundai Verna comes in both petrol and diesel trims. The 1.4-litre and 1.6-litre engine options are available paired with a manual or an automatic transmission. The base price of the Hyundai Verna is Rs 7.86 lakh and Rs 12.98 lakh for the top trim. It has a Rs 20,000 cash discount and an additional Rs 20,000 exchange bonus.

Honda City

With prices starting at Rs 8.96 lakh for the base trim and Rs 14.15 lakh for the top variant, Honda City is one of the best-selling sedans in the country. It is available in both 1.5-litre petrol and diesel engine options with manual and automatic transmission options as well. Honda is offering free first-year insurance, a Rs 20,000 exchange bonus, and Rs 10,000 worth of accessories.

Toyota Yaris

The Yaris is the newest entrant in the sedan segment in India, competing with the likes of Honda City and Hyundai Verna. Prices for Toyota Yaris start at Rs 9.26 lakh and extend to Rs 14.07 lakh for the top trim. It is available with petrol and diesel engines with an option of manual & automatic transmission options. For this festive season, the Yaris has a cash discount of Rs 30,000, a Rs 20,000 exchange bonus, and Rs 10,000 corporate discount.

Mahindra Scorpio

An immensely popular SUV in India, Mahindra Scorpio was updated with a facelift version in November 2017. Prices for the SUV start at Rs 10.09 lakh and extend to Rs 16.44 lakh. It is only available with a diesel engine paired with a manual transmission. It gets Rs 40,000 cash discount, a Rs 25,000 exchange bonus, Rs 18,000 special offer in Delhi, NCR Zone and some select cities.


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Bringing home these things during Navratri will give you happiness and prosperity!


Navratri festival in Thane
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The festival of Navratri

The entire country is celebrating Navratri right now with much enthusiasm and fervour. It is one of the most auspicious times in the Hindu calendar and is celebrated through different ways in different parts of the country. During this time, devotees sing songs in honour of the goddess and observe fast as well.

Things to keep

However, do you know that apart from the usual rituals, few things, if kept at home during Navratras can help you attract health and wealth? Here are those things and make sure to get them home..


The lotus flower is a favourite of Goddess Laxmi — it is said that keeping a fresh lotus flower in your temple every day during Navratras will make Goddess Laxmi happy and she will bless you with health and wealth.

Silver or Gold coin

it is considered auspicious if you a buy a gold or silver coin with a picture of Laxmi and Ganesh embossed on it. You can do so on the first day of Navratris and keep it in either in your temple or your household locker.

Peacock feather

Goddess Saraswati held a peacock as very close to her — it is said that keeping a peacock feather in your temple will attract positive vibes for you and will also cure the Vastu Dosha in your area.

Laxmi idol

It is said that for wealth and prosperity, you should bring home an idol of Goddess Laxmi. Make sure she is in a sitting position in the idol, showering her blessings on everyone.

16 shringar items

Navratra is the celebration of the female beauty, so it is said that buying the “16 shringar” or cosmetic items during Navratras will make you healthy and wealthy. Let us now talk about the must do’s during this Navratri and talk about the things that are deemed important during Navratri.

North east

The North East direction, also known as Ishan kon is considered as the direction of Gods. Place the idol of the durga in this direction and pray to her idol daily.

Akhand jyot

If you are lighting an “akhand jyot” for the Goddess, then make sure to keep it in the South West direction. If you can’t manage an akhand jyot, get one that will last through out the entire night.

Face east or north

While doing the Puja, make sure that you face the east or north direction. Also make sure that there are no dirty clothes lying around your temple area. Make sure that the area in and around your temple is clean and pure — make sure to burn some incense sticks as well.

Changing the flag

If you have a flag on the top of the temple, make sure that you hoist it in the North West direction everyday. A home flag should always be allowed to flutter in the air and not kept confined within the four halls of the house.

Idol keeping

Never place your idol near the bathroom. Also every temple should have an area to sit on and pray to God. You can do so while sitting on a mat as well… Now, let’s talk about the different form of the Goddess that are prayed to during this period and what “bhog” is served to them.

Mata Chandraghanta

While praying to Mata Chandraghanta, offer milk, sweets made of milk or Kheer to her. This is said to relieve all your pains and provide peace and prosperity.

Mata Kushmanda

Mata Kushmanda is offered Malpua as Bhog. It is said that offering the Goddess Maa malpua is said to be make you intelligent, wise and will also help you immensely at work.

Mata Skandmata

To Mata Skandmata, a Banana is offered as a bhog. It is said that doing so keeps the family healthy. It also makes sure that there is never any shortage of food in your family.

Mata Katyayani

It is said that honey is offered as Bhog to Maa Katyayani. It is said that this makes you physically more attractive. For those girls who are unmarried, this serves as a remedy to get married as well.

Mata Kaalratri

Jaggery (gur) is offered as Bhog to the Mata — this along with doing some dakshina for the poor can reap rich benefits for you. Make sure that you offer some food and clothes to a needy person.

Mata Mahagauri

Coconut is offered as bhog to Mata Mahagauri —- It is said that doing so will help an infertile couple conceive a child. You can do so, not just during Navratras, but all throughout the year.

Goddess Siddhidatri

On the ninth day of Navratra, Mata Siddhidatri is worshipped. She is also said to the Goddess of accomplishment. It is said that offering Til as a Bhog to the Goddess prevents one from accidents and untimely deaths in the family.


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Buyer’s Guide


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Looking for a fitness band or a smartwatch with a heart-rate tracker? Here are some of the best devices you can use to monitor your cardiac rhythm…

Mi Band 2 | ₹1,800 |

This entry-level fitness band, which boasts of a battery life of 10 days, sports a splash- and dust-resistant (IP67) build that’s certified to survive a jog in the rain. It lacks a built-in GPS, so outdoor runs and walks are only tracked when you have the paired handset with you.

Goqii Vital | Starts at ₹3,499 |

After you register with Goqii and provide details like your age, weight, and pre-existing health conditions, the service connects you to a personal coach who helps you set fitness goals and create a roadmap on how to achieve them. This health coach will also provide you with dietary advice and the exercise routine you should follow. The Vital band can be worn to the pool; it measures blood pressure, has a seven-day battery life, and can store data for up to 30 days without syncing with its mobile app.

Smartron | ₹4,999 |

Besides a heart rate monitor, this band also includes an ECG sensor to measure blood pressure on an hourly basis. Its app uses all your physical-activity data, along with your heart rate and sleep patterns to detect stress levels and calculate your overall health index. The is water- and dust-resistant, but it can’t be worn for swimming. It has a two-day battery life and can store 14 days of steps, up to 10 heart rate and BP records, and 1,200 minutes of exercise data.

Huawei Band 2 | ₹4,600 |

This band is waterproof and can even be worn when swimming. It comes with built-in GPS for an accurate analysis of your outdoor jogs or walks; you get a guided mode to help you breathe right, and it even measures VO2 levels (maximum amount of oxygen utilised during intense exercise).

Samsung Gear Fit2 Pro | ₹13,590 |

The Fit2 Pro comes with built-in GPS; can be worn in the swimming pool and even measures altitude during treks. The band also supports third-party fitness services like Endomondo and MapmyRun. Depending on GPS usage, the Fit2 Pro will need to be recharged almost every three days.

Garmin Vivomove HR | ₹17,990 |

This smartwatch continuously monitors your heart rate to detect stress levels. It also initiates a relaxation timer to help lower anxiety levels. Besides, it looks like a traditional time piece; it combines an analogue watch face with a digital display that gets activated when you swipe to view your heart rate, VO2 levels, step count and notifications. The Vivomove HR will give up to five days of service before needing a recharge.

Fitbit Versa & Ionic | Starts at ₹17,950 and ₹22,599 respectively |

The only difference between these two bands is that the Ionic comes with built-in GPS, while the Versa lacks this feature. Besides, tracking your physical activities, the app stores detailed information on your sleep cycles and heart rates and presents it in a way that can be understood and worked upon. The devices are sturdily built, swim proof, come with an altimeter and give you up to four days of use on a single charge.

Apple Watch 3 | Starts at ₹29,900 |

If you own an iPhone, then the Apple Watch 3 is your best option for its native integration with the iOS ecosystem. It alerts you of any cardiac emergency when your heart rate rises beyond a certain threshold during inactivity for a 10-minute period. It is also swimproof and you can choose from various activities (running, cycling, swimming, etc) to record your exercise sessions. A built-in barometric altimeter measures elevation to count the number of flights climbed and GPS to record speed and distance covered. On the battery front, the Apple Watch will need to be charged almost daily.


These devices are NOT a replacement or an alternative to professionally-monitored stress tests or ECGs. They use LEDs that lie in contact with your skin to illuminate the capillaries beneath, while an adjacent sensor measures the rate at which blood pumps past to calculate beats per minute.

But the sensors aside, the true quality of a good fitness band or watch depends on its smartphone app, which crunches all the data to give you an idea of your heart health, and even help you maintain a record for your doctor. If you suffer from a heart ailment, consult your physician for advice on fitness activities for you.

Also Read : 5 game-changing phones


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8 foods to increase your brainpower


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There is no magic pill that you can pop to increase your brainpower or boost your memory. But students often wish for such short-cuts that would help them cram during last minute studies. We can’t offer you such pills or steroids but we can vouch for the positive effects of healthy eating on keeping your brain active.

Here are 8 food items that you must include in your daily meals to make sure that your brain is getting the best fuel to keep it recharged:

1. Whole Grains

Healthy food grain options like wheat, barley, oats, brown rice and food items made out of these are the best source of energy that steadily release glucose into our body and helps us stay alert and active throughout the day. They are also a great source of fibre. In short, stick to mom’s parathas, rotis & rice dishes!

2. Green and leafy vegetables

Your mom insists on eating your quota of greens everyday for a valid reason – green leafy vegetables are nutrition powerhouses which include minerals (iron, calcium, potassium, and magnesium) and vitamins (B, K, C, E). The best options we have include spinach (remember Popeye’s exaggerated muscles?), cabbage, broccoli etc.

3. Beetroot

Betalain, which gives beetroots their blood red colour, is rich in antioxidants – which boost brainpower. There are natural nitrates in beets that can increase blood flow to the brain, thereby improving mental performance. Beets are also high in folic acid, vitamins A, B-1, B-2 and C, and essential minerals including iron, calcium and potassium.

4. Blueberries

Known as Nilabadari, Feera or Falsa, blueberries are like magic pills – they are packed with vitamin C, full of fibre and manganese. They have antioxidant properties as well cancer, cardiovascular disease and Alzheimer’s. It is the antioxidants in the blueberries that give them their trademark blue hue.

5. Oily Fish

Essential fatty acids (EFAs) that are good for healthy brain function,a are not naturally produced in the body. These omega 3 fatty acids are found in oily fish include salmon, trout, mackerel, herring, sardines etc.

6. Eggs

The yolk (yellow part) of eggs is an excellent source of choline which is a precursor for acetylcholine that helps you remember stuff like where you misplaced your Chemistry textbook. Have eggs for breakfast to improve your overall cognitive performance.

7. Nuts

It helps if you’re nuts over nuts, as they’re full of health benefits! Nuts are a great source of Vitamin E which helps to prevent cognitive decline. Almonds are high in the antioxidants selenium and vitamin E. No wonder our mothers and grannies insisted on feeding us almonds soaked in water overnight! Walnuts are a great source of omega-3 fatty acids. So if you feel like snacking while studying for exams, grab a handful of nuts and munch away!

8. Dark Chocolate

And finally some good news for those with a sweet-tooth. Dark chocolate increases blood flow to the brain as well as to the heart, so it can help improve cognitive function. It also contains caffeine, a mild stimulant.

Also read: Types of Scholarships for Higher Education you can get

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4 Tips To Lower Your Cholesterol With Diet


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Besides maintaining a healthy body weight and getting enough physical activity, changes to your diet are also important to maintain your cholesterol levels and keep your heart in good shape. Here are four diet-related tips that can help.

1. Reduce sources of saturated fat

Saturated fat, often found in red meat and full-fat dairy products, can increase your levels of low-density lipoprotein cholesterol i.e. the “bad” cholesterol. It is also found in sources like baked goods, processed foods, and deep-fried items.

The latest national dietary guidelines recommended limiting consumption of saturated fat under 10 percent of total energy intake while the American Heart Association (AHA) advised the consumption of 5 to 6 percent at most.

“The best thing to do is to replace saturated fats with polyunsaturated and monounsaturated fats (nuts, olive oil, fish, seeds, avocado) — not carbohydrates,” said Kim Larson, a spokesperson for the Academy of Nutrition & Dietetics.

2. Eat more fruits, vegetables, fish

It is certainly hard to go wrong when fruits and vegetables are involved, just ask the Mediterranean diet. These foods are not only low in saturated fat but can also provide a significant portion of your soluble fiber intake from sources like sweet potato, aubergine, broccoli, apples, strawberries, etc. As a part of your daily diet, also consider including at least one pulse in the form of beans, peas, or lentils.

And when it comes to fish, opt for the ones high in omega-3 fatty acids. You can choose from options like salmon, mackerel, canned tuna, and fresh tuna for two meals per week, according to the National Institutes of Health.

3. Change your cooking methods

A few changes in your cooking methods can help make a difference with your cholesterol levels and your overall heart health. According to AHA, it is preferable to broil rather than pan-fry meats.

“Cook a day ahead of time. Stews, boiled meat, soup stock or other dishes in which fat cooks into the liquid can be refrigerated. Later, remove the hardened fat from the top,” the website added.

Scan your kitchen ingredients and take a look at the type of oil you usually use. Experts usually recommend extra-virgin olive oil or canola oil for cooking fish, vegetables, and other dishes. Avoid using butter for frying foods, since it contains high levels of saturated fat.

4. Enjoy some wine, but in moderation

“Red wine contains antioxidants called polyphenols, substances that protect the lining of the blood vessels that could become blocked due to high cholesterol,” said Kevin R. Campbell, a cardiologist and cardiac electrophysiologist at Wake Heart & Vascular in Raleigh, North Carolina.

But caution is advised as it is best consumed in light to moderate levels and while accompanied with regular physical activity, a healthy diet, and good lifestyle habits. This would mean avoiding smoking, having a good sleep schedule, and other healthy practices.

Disclaimer: Views expressed in this article are the author’s own and MSN does not endorse them in any way. Neither can MSN independently verify any claims made in the article. You should consult your physician before starting any weight loss or health management programme to determine if it is right for your needs.

Also Read : 8 Bipolar Symptoms You Might Be Ignoring


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Realty Hotspot Series: Connectivity is big plus point for Ghodbunder locality, Mumbai


25 September, 2018

This week’s realty hotspot series takes a look at Ghodbunder Road in Thane. This locality is well-connected to office areas across Thane West, Mumbai, and Navi Mumbai. The proposed metro line between KasarvadavaliWadala would further strengthen connectivity.

It is about 32 kms from the airport and 13 kms from the nearest railway station.

Properties here are priced in the range of Rs 7,040-12,280 per sq ft.

Ghodbunder Road, Thane
Price range: Rs 7,040-12,280 per sq ft
Demand: Medium
Supply: High

Distance from 
Airport: 32 km
Railway station: 13 km
NH-48: 0 km


  • Proximity and smooth connectivity to office areas across localities of Thane West, Mumbai and Navi Mumbai.
  • Connects with Eastern & Western Express Highways and enjoys wider access to key MMR areas.
  • Proposed Metro Line 4 (Kasarvadavali-Wadala) would further strengthen connectivity in the region.

Locality snapshot

  • Schools 15+
  • Banks 20+
  • Hospitals 12+
  • Grocery Stores 16+
  • Restaurants 17+
  • Petrol Pumps 12+

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5 game-changing phones


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Here’s a list of the most abused phrases in the world of tech marketing: breaking all the rules, innovation jaw dropper, next big thing, cutting edge, and game changer. And the most abused in the most abused list is of course game changer. It’s thrown around by every brand, for every phone, for every feature and every accessory. Most are not. Fortunately, some of them are. And recently, the intense competition in the Indian market has made the most unlikely brands stand up and be counted. To survive in the Indian market you don’t have to change the rules, you have to change the game itself. Here are five that did.

Honor Play

Honor and its parent brand Huawei may well be the most active brand in the Indian market. Add another adjective to it. It’s also becoming the most aggressive. Prices are low, specs are high and the categorisation is spot on. Within a spate of excellent phones comes the Honor Play. Sleek, good-looking, huge 6.3-inch notch screen, outstanding specs, the flagship Kirin 970 processor, great AI cameras front and back, a 3750 mAh battery, 6 GB RAM and then the major differentiator. It has GPU Turbo built in. Boosts any graphic intensive task like gaming and videos to the next level. And does it while remaining cool and composed. And it’s priced super low at a starter price of Rs 19,999. A true gamer’s performance phone, Honor hits this one right out of the park.

Vivo V11 Pro

If Vivo had a last name, then it should be innovation. It’s been running circles around other companies. Thinnest phone ever, in-display fingerprint scanner, pop up camera, fullview display and extra ordinary front cameras. And now with the V 11 pro it even gets its strategy game in order. It’s taken the best of all the innovations in its high-end phones, crammed the right ones into the V11 Pro and priced it just right. May well be the best-looking phone in the market right now. All glass 3D gradient design curved back, 6.4 inch full HD+ almost no notch tiny waterdrop Halo view screen, infra-red sensor light face unlock, Snapdragon processor, 6GB of RAM, dual cameras, 25 megapixel front camera and then the big one – an in display fingerprint scanner (Vivo continues to be the only brand in the world to have this) at a price point of Rs 25,990. The Vivo V11 Pro presses its fingers on all the right buttons.

RealMe 2

Realme 1 took the market by storm. Realme 2 took that storm and turned it into a tsunami. Realme is apparently a breakaway company from Oppo and seems to be on the path of pure war in taking on Xiaomi and all others, and taking no prisoners. For an under 10K phone it crams in all the big ones. Absolutely stunning all glass back prism effect design, a big 6.2-inch notch screen, Snapdragon processor, excellent dual cameras, 4 GB RAM, fingerprint scanner and absolutely outstanding battery of 4230 mAh. And then they priced the base model at Rs 8,990. This phone looks like a premium phone selling at an economy price. If an under 10K phone is on your wish list, then there is no better option than the Realme 2.

Oppo F9 Pro

Oppo is the other company that’s got itself a new last name for super innovation. The F9 Pro is proof enough. Super premium looks with a 3D glass galaxy prism back design, 6.3-inch super bright new waterdrop style notch screen, VOOC flash charging gives you two hours of talk time in five minutes of charging, five-layer voltage protection, the super awesome super intelligent Mediatek Helio P60 chipset plus great cameras, 6 GB RAM and a price of Rs 23,990. Oppo makes all phones around 20K look decidedly nervous.

Poco F1

This smartphone changes everything! Some Hindi bloggers even called it ‘bharat ke itihas mein sab se bada dhamaka’. There used to be flagship killers. The Poco F1 is a flagship killer killer. This is a Xiaomi sub brand and it’s designed for destruction. Snapdragon 845 processor, liquid cooling technology, Kevlar fibreglass back, 6.18-inch FHD+ screen, 8GB RAM, 256GB Storage, great optics and a 4000mAH battery with quick charge. Prices start around 20K. As I said, an absolute flagship at an absolutely non-flagship price. One Plus, you should be afraid, very afraid.

There it is then. Five phones that change the game of phones. Watch out though. The game has just begun. There are major launches expected in the next few days. The game and all its rules are about to be changed once again.

Also Read : Maniac about your Mobile?


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Reservoir basins in district drying up due to weak rain


THANE: A weak rainfall over the last few days coupled with the gradualdrying up of basins at the base of Bhatsa and Barvi reservoirs over the lastfew days is forcing municipal corporations including Thane and Mumbai tostart drawing water from the dams early this year.The phenomenon that is usually witnessed in October has beenwitnessed starting September this time causing water supply officials toworry of an imminent water crisis till the next monsoon if it does notshower heavily over the next few days. However, the weather departmenthas assured of some heavy rains in the next few days, raising hopes of theirrigation department of having adequate water to last next year.

Officials said that the river basins have till last year had adequate water at this time of the season due to which the dependency on dam stock used to be nil as corporations lifted water from the weirs located at the base of the reservoirs which used to get the supply from mountain streams. However, the scenario has changed this year, said officials.

“The dependency on dam water is usually required from October as the river basin has ample water. This year, the situation has turned different with the weirs running dry and we have requested water to be released from the Bhatsa dam from the first week of September itself,” said a water supply department from one of the corporations drawing water from it.

The two major reservoirs have less water at this time of the year unlike last which experts attribute to the daily drawing of water and heat waves over the catchment area that could also have triggered evaporation.

As per the mid-September storage volume of the dams, the water levels in these dams is less compared to last year when some of them were 100 per cent full, said an official.

The Bhatsa dam that is the largest reservoir in the district has just 96 per cent stock as compared to the near 98 per cent volume by mid-September last year. In comparison, the Barvi dam that is a major supplier of water to the residential and industrial pockets in the district is 98 per cent filled while it was full to its capacity last year.

Officials from the irrigation department have assured there is no reason to panic as there is enough quota to meet the demand of the district till next year. “The water levels are less as there is no addition to the water levels due to lack of heavy rain in the past several days. However, there is no reason for us to worry as the stock in the dams is enough to last till mid-July next year. Usually, rain that picks up at the end of the monsoon helps increase the stock in the dams,” said an official.

Meanwhile, the meteorology department has predicted heavy rains in North Konkan accompanied with thunder and lighting over the next few days, which officials claim could improve the situation.

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Railways takes up 1.2km Parsik tunnel stretch for repair


THANE : : The Central Railway (CR) has undertaken urgent repair works of the 1.2km-long Parsik tunnel between Thane and Diva on the fast corridor following complaints of continuous leakages inside the structure, which could possibly weaken it and damage the overhead wires. A railway official said the leakage of water inside the tunnel was posing a huge problem and accordingly an expert team from the Central Institute of Mining and Fuel Research, Rourkela, was deployed that suggested filling the cracks with a special solvent that could plug the leaks.

Accordingly, several night blocks have been scheduled so as to plug all the cracks and source of leakages in the structure of the arched tunnel, which was built over a century ago on the fast corridor.

“A special solvent is being used by railway engineers to ensure the cracks are sealed and possible leakages plugged. The team first drills holes in the walls of the tunnel and uses resin-bound chemical groute at select spots, which will aid in preventing leakage. The leakage in the tunnel used to cause a lot of damage to the overhead equipment and also to the ancillary infrastructure,” said a senior railway official.

As the Thane-Diva stretch is a busy corridor, the railway engineers have to execute the work at night after the last trains depart from the lines. The work was started recently and will be completed by the end of this year, said an official.

Two years ago, the structure had witnessed major faults thanks to the rampant encorachments above the hills.

Despite the Thane Municipal Corporation taking primary action, the issue of leakage persisted following which the railways undertook this urgent repair work.

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A quick guide to choosing between a ready-to-move-in and under-construction house


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When it comes to buying a house, should a property seeker choose a ready-to-move-in house or an under-construction one? We explain the crucial differences between the two, to help you arrive at a decision

While buying a property is no easy task, another decision that compounds the dilemma for home buyers, is whether to choose a ready-to-move-in house or an under-construction one. While there are advantages and disadvantages to both options, the choice will depend on various aspects like, what the buyer is looking for, his needs/requirements an whether one is buying for investment or end-use.

According to Amit B Wadhwani, managing director of Sai Estate Consultants, buying an under-construction property makes sense, if one is looking at it from an investment perspective, while a ready-to-move house makes more sense, if the buyer is looking for accommodation. “As the buyer is also spending his earnings on the property, it should bring profit. The investment should help the buyer in the long run, wherein, he can sell the property, if need be,” adds Wadhwani.

Points to consider, while choosing a ready-to-move-in property

Choosing a ready-to-move-in flat, helps the buyer to avoid costs associated with living in a rental accommodation and the long wait in big cities, for an under-construction project to be completed. It also gives the home buyer a sense of security. Moreover, the buyer can check the neighbours and the infrastructure in the vicinity of the house, before buying the property.

“When opting for a ready-to-move-in house, a buyer gets what he sees, without the risk of any potential changes in the future. Other factors that influence buyers to purchase ready-to-move-in flats, include the construction quality, which can be verified before purchase, the social and physical infrastructure, availability of loan facilities and the low overall risk. Lastly, buyers do not have to have to wait or face the risk of delays and escalating costs,” explains Hiral Sheth, head of the department, marketing, Sheth Creators.

Manish Kadam, an assistant account manager in a media agency, who bought a house in Virar, in Mumbai, states that the best part of buying a readymade house, is the absence of a waiting period. “There is a lot of inventory in the real estate sector, which gives the home buyer a broad choice of location, configuration and low risk, as the ready-to-move-in segment has no construction delays. The GST (Goods and Services Tax) is also applicable on under-construction properties. So, even if one books an apartment, where the builder asks for 10 per cent and the balance after possession, one will still have to pay GST on the full amount,” points out Kadam.

However, the disadvantage of a ready-to-move-in house, is that it usually has a higher price than an under-construction property. Hence, it may not be an ideal choice from an investment and appreciation potential standpoint. Moreover, the buyer will not have the flexibility to choose the floor or configuration, as compared to an under-construction property.

Points to consider, while choosing an under-construction property

“Under-construction properties are generally in the non-established parts of the city and hence, the potential for price appreciation due to future development is good. However, this is not true in each and every case. One has to look at the location and future plans around that area. Moreover, in an under-construction project, a buyer also has flexibility in payments, with options like construction-linked plans, subvention schemes, flexible payment plans, etc.,” states Wadhwani.

The implementation of the Real Estate (Regulation and Development) Act (RERA) and other buyer-friendly policies, aimed at bringing about greater transparency and compliance from developers, could boost home buyers’ confidence in investing in under-construction projects. However, in places where the RERA is not yet implemented, it is must for a home buyer to check the credentials of the developer and choose a reputed builder.

The biggest risk in an under-construction property, is that of delayed possession, maintains Sheth. One may also have to incur additional expense on an under-construction house, towards development charges, GST, etc., adds Sheth.

Irrespective of whether one is investing in a ready-to-move-in house or an under-construction one, Wadhwani suggests that home buyers should be mindful of the following:

  • The property that you intend to purchase, should have all the necessary approvals and licences.
  • Get all the information regarding the external parties connected with the project, like banks, advisories, etc., to get a better sense of project’s feasibility and quality.
  • Identify your desired location, keeping in mind your regular commute requirements.
  • Check online and on social media for user-based reviews on the locality, project and developer.
  • Consider the total budget for buying the house and plan your finances well.

Also read: What Decor Theme Works for You?

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