Categories
Communication

Zero-Investment Telemedicine Platform: Improving Specialist Care While Increasing Earnings for Sri Lanka’s Medical Professionals

CONCEPT OVERVIEW

Background

  • Severe specialist shortage: Shortfall of ~1,139 doctors (only 2,042 serving vs. 3,181 needed)
  • High NCD burden: 83% of deaths; diabetes (10-12%), hypertension (20-25%), CVD leading cause
  • Mental health crisis and medicine shortages (218 essential drugs)
  • Rural-urban access barriers and doctor migration post-economic crisis
  • Overloaded system with no new clinics, impacting emergency response

Key Concern: When patients seek specialist care abroad, local healthcare professionals lose both patients and income.

Proposed Solution

  • Collaborative Care: Facilitating seamless tele-consultations between Indian super-specialists and local doctors, nurses, midwives, and Ayurveda practitioners.
  • Local Leadership: Ensuring local professionals remain the primary caregivers, maintaining clinical oversight and the patient relationship.
  • Sustainable Income: Creating a new revenue stream through direct income generation per consultation and structured follow-up care.
  • Localized Specialist Care: Providing world-class medical expertise within Sri Lanka, eliminating the need for expensive and exhausting foreign travel.
  • Practice Expansion: Empowering every medical professional to offer a comprehensive multi-specialty OPD, significantly increasing their practice’s value and revenue potential.

VALUE, REVENUE & IMPLEMENTATION:

Financial & Professional Value to Medical Professionals

  • Retention of patients who would otherwise travel abroad
  • Earnings per consultation, case, and follow-up
  • 20–30% increase in patient footfall
  • Up to 50% reduction in outbound referrals

Implementation Roadmap

  • Pilot: Colombo, Kandy, Jaffna
  • Expansion: Galle, Anuradhapura
  • Integration with NGO, donor & private sector programs

Expected Outcomes

  • Increased income for Sri Lanka’s medical professionals
  • Improved access to specialist healthcare
  • 70–80% reduction in patient travel costs
  • Reduced medical revenue outflow to other countries
  • Stronger, self-sustaining healthcare institutions

Eighteen Super-Specialists out of 100+ List

1.Dr Neeraj Tulara Consultant Physician, Diabetologist, Cardiologist and Infectious Disease Specialist • MBBS, MD, DNB (Med.), PGDID (Aus) • 23.0 Years Of Experience • Licence No. 2010/10/3078

2.Dr Raman Malik Senior Consultant, Nephrology and Renal Transplant • MBBS (1972) • MD (1981) • 22 years as medical officer and MD physician in the armed forces • DNB (Nephrology) AIIMS New Delhi 1989 and Renal Transplant Physician

3.Dr Vrushni Bhuta Fertility & IVF Specialist Consultant, Reproductive Medicine • MBBS • M.S. (OBSTETRICS AND GYNAECOLOGY) • 10+ Years Of Experience • Assisted Patients in IUI, IVF, ICSI, Frozen Embryo transfers, Oocyte donation and Surrogacy.

4.Dr Rajiv Naik M.B.B.S- Himalayan Institute of Medical Sciences, Dehradun, India (2005) • M.S (General Surgery) – GSVM Medical college, Kanpur, India (2010) • FIAGES – Indian Association of Gastro and Endo Surgeon, India (2015) • FMAS – Maurya Sachkhand Hospital, Agra, India (2013) • Observer Ship in Essential of Laparoscopic Surgery, Metabolic and Bariatric Surgery, at Max Institute of Minimal Access, Metabolic and Bariatric Surgery (Dec 2017)

5.Dr Rajeev Dhir Senior Dermatologist and Cosmetologist with an Armed forces background. MBBS from AFMC(Pune) in 1980 MD in Dermatology from Bangalore university in 1988

6.Dr Rahul Rane Orthopaedic Surgeon Specialist Spine & Knee Replacement Surgery • MBBS, • MS, • DNB (Ortho), • MNAMS, • FISS

7.Dr Rahul Rane Orthopaedic Surgeon Specialist Spine & Knee Replacement Surgery • MBBS, • MS, • DNB (Ortho), • MNAMS, • FISS

8.Dr Swapnil Sharma CONSULTANT & CHIEF SURGEON LIVER TRANSPLANT, HEPATOBILIARY, PANCREAS & GI SURGERY MBBS MS (GEN SURGERY) DNB (GI SURGERY)
FELLOWSHIP IN LIVER TRANSPLANT & HPB SURGERY

9.Dr Mukul Kaushik Senior Consultant Interventional Cardiologist. MBBS, DNB (Med.), DNB (Cardiology), FNB (Interventional Cardiology) • 25+ Years Of Experience • Licence no. 2005/09/3732

10.Dr Swarup Swaraj Pal
Sr. Consultant Cardiovascular and Thoracic surgeon M.Ch, CVTS M.S General Surgery

11.Dr Archana Rane Strong focus on musculoskeletal rehabilitation, sports injury management, and post-operative recovery programs specialised training in Ante-natal (ANC) and Post-natal (PNC) care . safe exercise, • posture correction, • recovery strategies during and after pregnancy.

12.Dr Praveen S. Kammar •⁠ ⁠M.B.B.S, JN Medical College, Belgaum (India)•⁠ ⁠MD – Internal Medicine DM – Medical Oncology (2005) •⁠ ⁠M.S General Surgery, JSS Medical College, Mysore (2010) •⁠ ⁠M.Ch surgical oncology, Tata Memorial Center, (2015) •⁠ ⁠MRCS from Royal College of London -2018

13.Dr Suhas Aagre •⁠ ⁠MBBS from Maharashtra University of Health Sciences, Nashik, •⁠ ⁠MD – Internal Medicine DM – Medical Oncology •⁠ ⁠DNB (Diplomate of National Board) in General Medicine from J.N.M. Medical College, Raipur, in 2012. •⁠ ⁠DM in Oncology from B.J Medical College, Ahmedabad, in 2016.

14.Dr Mehul Choksi Consultant Gastroenterologist Vast experience in the field of digestive diseases and advanced therapeutic endoscopy. • residency training in Gastroenterology at the prestigious Christian Medical College, Vellore, • residency training in General Medicine at St. John’s Medical College, Bangalore. • awarded the Peter Cotton Travel Fellowship in Advanced Endoscopy at the Medical University of South Carolina, Charleston, USA

  1. Dr Chinmay Kulkarni Consultant Psychiatrist and Mental Health Rational Emotive Behaviour Therapy • Motivational Interviewing • Hypnotherapy
  2. Dt Avanee Parekh B.H.Sc Dietetics (SNDT University Mumbai) •⁠ ⁠P.G DMM •⁠ ⁠Certified Diabetes Care Educator (Denmark) •⁠ ⁠Certified Exercise Consultant ( Talwalkars Academy) •⁠ ⁠Member of IDA and ISPEN •⁠ ⁠25 years experience with 90 % success rate.

17 Dt Shrishti Thakur PG in Food & Nutrition M Sc (Food & Nutrition) -R D V V University, M.P UG (HS) -R D V V University Backed by 20+ years of expertise in diet & nutrition.

18 Dr. Bansode Jagruta Prasad Consultant paediatrician.

We respectfully submit this proposal for your kind consideration and guidance on the next steps, including possible alignment with the Ministry of Health, public hospitals, or pilot implementation pathways. We enclose two attachments showing benefits to your current government and to Sri Lanka’s Doctors.

We would be honoured to discuss this initiative further at your convenience, including a customised demo or site visit to our Primary Health Centre in Noida.

With highest regards,

Saxena V. M.
CEO – India1Stop
Business Partner – Tata GloHeal
📞 +91-9990623304
✉️ saxena.vm@india1stop.com

Categories
New Projects

Transforming Faith-Based Resources into Social ActionA Policy Proposal for National Implementation

Making India a Place of Worship
Authored by: Sugandh Saxena B.A. (Hons.) Economics, Delhi University Pursuing PGDM–
HRM, Management Development Institute (MDI), Gurgaon Email: sugandhsxn@gmail.com
Submitted to: Tata Institute of Social Sciences (TISS), Mumbai
Transforming Faith-Based Resources into Social Action
A Policy Proposal for National Implementation



India’s 30 lakh places of worship collectively hold an estimated Rs.4–5 lakh crore in
accumulated assets and generate Rs.8,800–16,600 crore in annual inflows. Yet less than
3% of these resources are currently deployed toward social welfare or community
development.
While several religious institutions across India already use donations for public
welfare—supporting schools, hospitals, and food distribution—the overall scale of such
efforts remains limited. This proposal recommends expanding that share so that at least
50% of both corpus funds and annual revenues are voluntarily directed toward measurable
social and environmental welfare programs.
The objective is to integrate India’s vast faith-based wealth with its national development
goals, fostering inclusive growth while upholding constitutional values of pluralism and
voluntarism.
If implemented, the initiative can generate transformative outcomes within a decade:

  • Poverty Reduction (20–30%) – A cumulative welfare injection of Rs.7 lakh crore (Rs.2
    lakh crore from corpus + Rs.50,000 crore annual spending) can sustainably lift 70–100
    million citizens above the poverty line through direct support and livelihood creation.
  • Economic Growth (+1–2% annually) – Welfare expenditure targeted at low-income
    households has a high fiscal multiplier (~1.8), stimulating demand and productivity, and
    adding up to 2% to annual GDP growth.
  • Human Capital Development – Establishment of 1,000 hospitals, 2,000 schools, and
    5,000 vocational centers will directly benefit 150 million citizens, strengthening India’s
    health, education, and employment base.
  • Environmental Renewal – Launch of a Rs.15,000 crore National Religious Green
    Mission will enable large-scale afforestation, renewable energy installations in religious
    precincts, and river–lake rejuvenation.
  • Governance and Accountability – Allocation of Rs.5,000 crore for digital transparency
    tools, independent audits, and compliance mechanisms will ensure credibility, trust, and
    public participation.

By systematically channeling faith-driven generosity toward sustainable welfare, India can
pioneer a new global model of faith-based nation-building — where spiritual wealth
becomes a force for poverty eradication, environmental protection, and social harmony.
If implemented, the impact will be Transformational

Metric Mechanism 10-Year Outcome (Projected)
Poverty Reduction (20–30%) Direct transfer of welfare spending (~Rs.2 lakh crore corpus +
Rs.5,000–8,000 crore/year), plus job creation through schools, hospitals, and rural
works. Each Rs.1 lakh crore of welfare spending has been shown (per NITI Aayog data)
to lift 20–25 million people above the poverty line. 70–100 million people lifted out of
poverty.
GDP Growth (Add 1–2% annually) Increased demand from welfare recipients
(consumption multiplier  1.8) and higher productivity from educated & healthy citizens.
Welfare injection of ~Rs.50,000 crore/year yields ~Rs.90,000 crore GDP stimulus.
Sustained GDP growth +1–2% yearly for a decade.
Healthcare & Education for 150 million Citizens Building 1,000 hospitals, 2,000 schools,
and 5,000 vocational centers nationwide, plus community food banks. 150 million directly
benefit within 10 years.
Allocation Framework (Illustrative)

  • Initial Corpus (One-Time Rs.2–2.5 Lakh Crore)
    Sector Allocation Purpose
    Healthcare – Rs.60,000 crore Hospitals, mobile clinics, medical supplies
    Education & Vocational Training – Rs.70,000 crore Schools, teacher salaries, skill Center’s
    Food Security & Livelihoods – Rs.30,000 crore Community kitchens, Annadanam,
    self-employment
    Rural Economy & Irrigation – Rs.25,000 crore Water systems, farm infrastructure
    Environment & Climate Fund – Rs.15,000 crore (new) Forest restoration, river cleaning,
    renewable energy projects, waste management.
  • Governance, Audit & Transparency – Rs.5,000 crore Digital dashboards, audits, compliance
  • Annual Allocation (Rs.4,200–Rs.8,400 Crore)
  • Sector Annual % Annual Fund Range (Rs. Crore)
  • Education & Healthcare – 45% 1,900–3,800
  • Poverty Alleviation & Food Banks – 20% 840–1,680
  • Rural Economy & Irrigation – 15% 630–1,260
  • Environment & Sustainability (new) – 10% 420–840
  • Governance & Transparency – 10% 420–840
  • Environmental Commitment
  • Environmental degradation affects both rich and poor — through air pollution, loss of
  • green cover, and water scarcity. Therefore:
  • Start-Up Allocation: Rs.15,000 crore from the corpus will launch a National Religious
    Green Mission — funding afforestation, renewable energy in temples, and river/lake
    rejuvenation near religious clusters.
  • Annual Commitment: 10% of annual welfare inflow (Rs.420–Rs.840 crore) will maintain
    continuous ecological programs — tree plantations, community solar projects, and waste
    recycling.
    This not only reduces pollution and carbon footprint but creates green jobs in rural and
    peri-urban India.
  • Expected Socio-Economic Impact (Quantified)
  • A. Poverty Reduction (20–30% in a Decade) : Rs.2 lakh crore corpus + Rs.50,000 crore
  • annual spending = Rs.7 lakh crore total welfare injection over 10 years. • Using an
  • established Rs.70,000 per capita uplift cost (NITI Aayog basis), ~100 million poor
  • citizens can be sustainably raised above poverty.
  • B. GDP Growth (+1–2% per year): • Rs.50,000 crore annual welfare spending × multiplier of
  • 1.8 = Rs.90,000 crore GDP boost/year. • Over a decade, adds 1–2% annual GDP growth
  • through increased demand, health, and skill-based productivity.
  • C. Healthcare & Education Reach: 1,000 new hospitals @ Rs.200 crore = Rs.2 lakh
  • crore impact (public-private synergy). • 2,000 new schools/vocational centers = 100 lakh
  • new student capacity. • 5,000 skill centers = 10 lakh trained youth per year.
  • Why People Follow Religion: Historical Lessons
  • Understanding why religions historically attracted followers helps design practical,
  • non-coercive strategies for faith-based institutions to expand their social role. Key drivers
  • across traditions include social services, education and scholarship, adaptability to local
  • cultures, trade and community-building, and spiritual appeal.
  • Catholicism — Social Services and Community Integration The Catholic Church expanded
  • worldwide in large part because it built dense networks of social institutions — hospitals,
  • schools, orphanages, and charities — that served local needs. Missionary education and
  • healthcare created deep community ties, making the Church an integral part of daily life.
  • Modern missionary work, by combining evangelization with demonstrable social benefit,
  • attracted converts and consolidated communities.
  • Buddhism — Flexibility, Scholarship, and Accessibility Buddhism spread through its
  • intellectual appeal and its capacity to adapt to local customs without requiring wholesale
  • abandonment of existing practices. Centers of learning and monasteries (for example,
  • Nalanda) acted as hubs of scholarship, debate, and teacher-training, amplifying the faith’s
  • reach. The bodhisattva ideal and Mahayana emphasis on universal salvation made the
  • teachings accessible to a broad social base, including marginalized groups.
  • Role of Scholarly Institutions — Nalanda as a Case Study Nalanda University exemplifies
  • how institutions of learning promote religious and cultural influence. Its libraries, teachers,
  • and students transmitted Buddhist thought across Asia. Scholarly prestige and translation
  • work helped institutionalize and spread ideas peacefully through education, debate, and
  • teacher networks.
  • Islam (Sufism) — Trade, Syncretism, and Community Building In Southeast Asia and parts
  • of the Indian subcontinent, Islam spread largely via trade networks and Sufi missionaries.
  • Traders built reputations for trust and economic partnership, while Sufis emphasized
  • mystical, tolerant teachings that easily syncretized with local practices. Sufi khanqahs and
  • missionary centers provided food, shelter, spiritual guidance, and education — forming the
  • social infrastructure that encouraged voluntary adoption of the faith.
  • Implications for the “Making India a Place of Worship” Proposal
  • The historical lessons above show that religions often grew when they addressed tangible
  • human needs: healthcare, education, economic opportunity, and community support. If
  • India’s places of worship systematically allocate a larger share of funds (for example, 50%
  • as proposed) to social welfare, the likely outcomes include: * Increased social capital and
  • trust: Visible, well-run welfare projects build goodwill across communities and generations.
  • Broader appeal and voluntary affiliation: Service-oriented institutions become more.
  • attractive to people seeking practical support and moral leadership. * Higher donations
  • and sustainability: As communities see the impact of their offerings, donations and
  • voluntary contributions are likely to rise, improving institutional sustainability. *
  • Strengthening pluralism through service: When welfare is delivered inclusively and
  • transparently, it can foster interfaith harmony rather than division.
  • Important ethical note: any expansion of service must be voluntary, non-coercive, and
  • respectful of India’s pluralist constitution. The aim should be to enhance social welfare and
  • civic solidarity — not to pressure or manipulate religious conversion. Robust safeguards
  • (transparent reporting, independent audits, and legal compliance) must accompany any
  • movement to ensure respect for individual freedom of belief and equal treatment of all
  • communities.
  • Recommendations
  • Prioritize service-first outreach: Frame temple and faith-based activity around clearly
    measurable welfare outputs (schools, clinics, shelters). 2. Measure and publish impact:
    Use an NRSR Index to track welfare spend and outcomes. 3. Respect pluralism: Explicitly
    prohibit coercive or incentivized conversion practices in pilot programs. 4. Engage
    scholars and practitioners: Invite TISS and other academic partners to evaluate pilots and
    publish findings.
    Historical & Inspirational Note
    “A Second Abolition: From Poverty to Prosperity”
    In the 19th century, Abraham Lincoln freed the enslaved — changing the moral course of a
    nation. In the 21st century, those who champion this policy — converting India’s
    faith-based wealth into social capital — will be remembered as the liberators of economic
    slavery.
    Just as freed African Americans later became major contributors to America’s cultural and
    economic strength — in sports, music, film, and enterprise — so too will India’s
    underprivileged, once empowered through education, healthcare, and livelihood, rise to
    become pillars of India’s prosperity.
    Future generations will say:
    “These were the leaders who transformed faith into freedom — who turned prayers into
    progress “
  • Implementing this policy will not only transform millions of lives but also redefine India’s spiritual legacy as a global model where faith funds the future. Conclusion This proposal bridges spiritual wealth and social welfare. It empowers temples, mosques, churches, and gurdwaras to become custodians of hope, health, and harmony. It brings measurable social change — poverty reduction, GDP acceleration, and environmental renewal — while uniting India’s faiths under one purpose: service to humanity. Those who enable this transformation will not just be remembered in policy archives — they will be immortalized in history, as the visionaries who redefined worship into nation-building.

Categories
New Projects Society News

The Dualis, Gurugram,where your Status becomes your Stature

Introducing Shapoorji Pallonji The Dualis
Situated in the heart of Gurugram Sec 46, this landmark is where convenience, luxury, and mesmerizing views come together.

Now, waiting is not an option for people like you, because you deserve to be a part of Shapoorji Pallonji’s legacy.

What will you find on stepping out?

🛍 WEEKEND ESSENTIALS

  1. Raheja Mall – 5 Minutes
  2. Taj City Centre – 11 Minutes
  3. Upcoming 10 Acres of mall by IKEA – 2 Minutes

🎒 SCHOOLS

  1. Manav Rachna – 4 Minutes
  2. Amity International – 7 minutes
  3. Scottish High International – 18 minutes

🚑 MULTI-SPECIALITY HOSPITALS

  1. Medanta Medicity – 4 minutes
  2. Fortis Hospital – 10 Minutes
  3. Artemis Hospital – 10 Minutes
  4. Max Hospital – 12 Minutes

💼 BUSINESS DISTRICTS

  1. Unitech Business Park – 3 minutes
  2. Cyber City – 18 Minutes
  3. IFC – 10 Minutes

Curious to know what’s inside?
You & your happy life!

Lifestyle Amenities:

🏸 Badminton and pickleball court
🏋‍♂ Fitness Zone/Gym
🏊🏻‍♀Swimming pool 🎊Banquet hall
⛳ Golf simulator
🎮 Indoor Gaming Arena
🧖🏼Steam and sauna
💇🏻‍♀Salon
🛀🏻Jacuzzi
💆🏻‍♀Spa
🧘🏻Yoga aerobics room
📖Reading lounge and library
🛝 Kids’ play area
♿ Wheelchair Friendly
⭕ Vehicular Movement on Surface Level
🍹Café & Bar
🪩 Multipurpose Hall

But how many can actually enjoy all this? A very few.
Only 198 Units.

Sizes :
3BHK + Staff – 2850-3009 sq ft
4BHK + Staff – 3500 – 3600 Sq Ft

Launch BSP starting from 19,999/-psft* + PLC onwards.

GOVT AND POSSESSION CHARGES are Additional

PRE-LAUNCH BENEFITS AWAITS!

*EOI AMOUNT –
₹20 LAKHS FOR 3 BHK
₹25 LAKHS FOR 4 BHK

Connect for more

Saxena 9990623304 Varma 7678480014

contact@pcb.net.in, info@india1stop.co

Categories
Home loans

1.List of papers for New Home Loan by PNB

Papers for Housing Loan

  1. Pan Card Copy
  2. Aadhar Card
  3. I Card/ Offer Letter
  4. Income Tax Return for Last two Years
  5. Form 16 for last two years
  6. Salary Slip of Last 6 Months
  7. Bank Statement for Last Twelve Months
  8. Proof of Assets ( Car , Bike )
  9. Copy of Rent Agreement if rented house
  10. Copy of Latest Elecricity bill
  11. Cancelled Cheque
  12. Proof of Margin Paid
  13. Highest Qualification Certificate
  14. Duly filled Application Form

Builder Docs

  1. Builder Buyer Agreement
  2. Allotment Letter Copy
  3. Copy of Payment Receipts

Rate of Interest Starting From- 7.45%
Prepayment Penalty – Nil
Foreclosure Penalty – Nil

List of approved projects by PNB Pan India

pnbindia.in/housing-projects.aspx

Regards
Saxena 9990623304

Varma 7678480014

You may share the documents through WhatsApp 7678480014/9990623304

contact@pcb.net.in, info@india1stop.co

Categories
Home loans

2.List of Papers for takeover Housing Loan by PNB approved projects

  1. Pan Card Copy
  2. Aadhar Card
  3. I Card/ Offer Letter
  4. Income Tax Return for Last two Years
  5. Form 16 for last two years
  6. Salary Slip of Last 6 Months
  7. Bank Statement for Last Twelve Months
    8.Proof of Assets ( Car , Bike, any investment)
    9.Copy of Rent Agreement if rented house
  8. Copy of Latest Elecricity bill ( if Property owner)
  9. Duly filled Application Form

Builder Docs in case of take over

  1. Sanction letter
  2. Statement of loan account since inception
  3. Fore closure letter
  4. List of Documents submitted to the Bank
  5. Copy of Chain of property documents

Rate of Interest Starting From- 7.50% CIBIL required 800 plus
Prepayment Penalty – Nil
Foreclosure Penalty – Nil

List of Approved Projects in PNB Pan India

https://www.pnbindia.in/housing-projects.aspx

Regards
Saxena +919990623304

Varma +917678480014

You may share the documents through WhatsApp on ‪+917678480014‬ / ‪+919990623304‬ or at contact@pcb.net.in and info@India1stop.co

Categories
Home loans Society News

3.List of documents for Takeover of Registered Properties HomeLoan

List of documents for Takeover of Registered Properties Homeloan

Papers for Housing Loan

  1. Pan Card Copy
  2. Aadhar Card
  3. I Card/ Offer Letter
  4. Income Tax Return for Last two Years
  5. Form 16 for last two years
  6. Salary Slip of Last 6 Months
  7. Bank Statement for Last Twelve Months
  8. Proof of Assets ( Car , Bike, any investment)
  9. Copy of Rent Agreement if rented house
  10. Copy of Latest Elecricity bill ( if Property owner)
  11. Duly filled Application Form

Builder Docs in case of take over

  1. Sanction letter
  2. Statement of loan account since inception
  3. Fore closure letter
  4. List of Documents submitted to the Bank
  5. Copy of Chain of property documents

Rate of Interest Starting From- 7.50% CIBIL required 800 plus
Prepayment Penalty – Nil
Foreclosure Penalty – Nil

List of Approved projects of PNB

https://www.pnbindia.in/housing-projects.aspx

Regards
Saxena 9990623304

Varma 7678480014

You may share the documents through WhatsApp on ‪+917678480014‬ / ‪+919990623304‬ or at contact@pcb.net.in and info@India1stop.co

Categories
Communication New Projects Society News

Shapoorji Pallonji Premium Homes Starting ₹49L – Built for Executives Like You!

Dear Friends

Discover your dream home with Shapoorji Pallonji – legacy builders for over 155 years.
Ready-to-Move-In & Under-Construction flats starting at just ₹49 Lakhs in Howrah, ₹51 Lakhs in Virar, and more across Mumbai, Pune.

Whether you’re a PSU officer or IT professional, there’s a premium home waiting for you in one of our 7 landmark projects.

Choose from Ready to move & upcoming projects in Mumbai, Pune and Howrah (Kolkata)

1.Joyville Virar, Mumbai

1 & 2 BHK flats from ₹51.99 Lakh

Fully furnished & Ready to Move units available

3.1 km from Virar Railway Station – Quick access to Western Line.

.  Close to Beaches – Near Arnala, Rajodi & Navapur beaches.

1 BHKs – RERA areas- 401 sqft

2 BHKs- RERA areas – 645-666 sq ft

Goa-themed clubhouse, 25+ amenities

 Shapoorji Pallonji Group’s Joyville | Petroleum Coal & Banking Executives Welfare Society

2.Joyville Western Heights, Howrah, Kolkata

2 & 3 BHKs starting at ₹49 Lakh

30-acre gated complex with 75% open space

22,000 sq.ft. clubhouse & 25+ amenities

Just 30 minutes from Park Street, Kolkata

Shapoorji Pallonjis Joyville Western Heights | Petroleum Coal & Banking Executives Welfare Society

3.Joyville Hadapsar (Pune)

Starting Price ₹84.0 L

  • 2 BHKs: 593 – 707 sq.f.t
  • 3 BHKs: 815 – 1185 sq.ft.
  • Duplexes: 1006 – 1272 sq.ft.

Possession Date: December 2026 – September 2029

 Joyville Hadapsar | Petroleum Coal & Banking Executives Welfare Society

4. JOYVILLE CELESTIA, Pune

2&3 BHK starting 89 lakhs

Expected Possession Date: December 2026 – September 2029

  • 60+ amenities
  • More than 75% open spaces
  • Vehicular free podium

http://pcb.net.in/project/joyville-celestia

5. Joyville Sensorium (Pune)

₹92 Lakhs onwards

Under Construction (Dec’25 Poss.)

3BHK river-facing smart homes from Rs 92 lakhs 

Located in Hinjewadi Phase 1 – Pune’s top IT hub.

http://pcb.net.in/project/joyville-sensorium

6. Golfland at Vanaha (Pune)

₹1.49 Cr onwards

3 & 4BHK on Oxford Golf Course, flats in a 21-acre township

Located in Vanaha Township, Bavdhan (next to NDA Hills).

Excellent connectivity via Paud Road & Mumbai–Bangalore Highway.

 Sizes 2BHKs, 3.5 BHKs, 4 BHKs, 4BHK Duplexes
 Expected Possession Date – Phase 1 – Dec 2028, Phase 2 – Dec 2029

 Golfland @ Vanaha by Shapoorji Pallonji | Petroleum Coal & Banking Executives Welfare Society

7. Bandra Kurla Complex Mumbai

BKC 28, Mumbai

Premium 2BHK units near BKC from ₹2.23 Cr

Smart parking, Vastu-compliant tower

Limited inventory left — ready to move

BKC 9 (Mumbai)

₹2.25 Cr

Under Construction (2028–29)

2 & 3 BHK luxury residences in BKC zone

http://pcb.net.in/project/shapoorji-pallonji-at-bkc-mumbai

Connect with Team PCBS

Saxena 9990623304

Varma 7678480014

Best regards,

PCBS

Categories
Area development

Gurugram Real Estate , growth news

This marks a 76% hike since 2019 and a 34% increase since last year.

https://m.economictimes.com/wealth/real-estate/this-area-in-delhi-ncr-saw-a-98-property-price-rise-in-the-last-5-years-see-how-much-property-prices-appreciated-in-your-locality/articleshow/120579712.cms

*3BHK Unfurnished Flat monthly Rental in Sector-79 Gurgaon ₹38,000/-+

https://www.99acres.com/property-for-rent-in-sector-79-gurgaon-ffid#ufLayerDetailForm

Categories
Area development

Re: Solitarian City Flats – Interest Payments & Earliest Possession of Flats

Dear Farhan and Fellow Solitaire Buyers,  

I hope this message finds you well.  

I am Saxena V.M., Chief Executive Officer of India1Stop and a proud business partner of Tata Communications’ GloHeal platform. Our team has been recognized as one of the most proactive and dynamic partners within the Tata ecosystem, praised for our ability to foster meaningful conversations and drive successful deal closures. Here’s what Tata Communications has to say about our work:  

> “India1Stop is one of the most proactive and dynamic partners associated with GloHeal, Tata Communications’ healthcare digital solution platform. Mr. Saxena and his team are great conversationalists, motivated businessmen, and solution finders. Their ability to close deals is a great asset to us. Where there is opportunity, Mr. Saxena ensures it is explored thoroughly to increase business potential. We are delighted to have such partners onboard.”  

> — *Ramdev Krishnan, Tata Communications*  

In addition to my work with Tata Communications, I also consult for leading real estate brands, including Shapoorji Pallonji, Hero Realty, BPTP Ltd., Signature Global, Express Builders, and the Prateek Group, among others.  

For the last nine years, I have served as the General Secretary of the *Petroleum, Coal & Banking Executives Welfare Society*. On behalf of our Society members, I had booked 125 flats in Solitarian City. You can learn more about us at [pcb.net.in](http://pcb.net.in).  

Unfortunately, the promoters of Solitarian City have repeatedly failed to deliver either interest payments or possession of the flats as promised. Consequently, several buyers, including myself, are preparing to file an application with the *National Company Law Tribunal (NCLT)* in Delhi, as the registered offices of both Solitaire Real Infra and Pary Developers are located there.  

To provide clarity on the process and its potential, I am sharing the following documents as attachments:  

1. **Effectiveness of NCLT**  

2. **Key Arguments for Early Settlement in NCLT Proceedings**  

3. **Estimated Profit Projections for Solitarian City**  

4. A compiled **Excel file containing the contact details of all Kashmiri buyers**.  

I encourage you to review these materials and share them with other Kashmiri buyers. If they are interested in joining us in this effort, they are welcome to connect with me so that we can move forward together.  

Additionally, I have provided a link to my LinkedIn profile below, which offers more information about my professional background:  

[**Saxena V.M. LinkedIn**](https://www.linkedin.com/in/saxena-v-686494138?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app)  

I look forward to hearing from you and working together toward a resolution.  

Warm regards,  

**Saxena V.M.**  

Secretary,  

*Petroleum, Coal & Banking Executives Welfare Society*  

Visit us at: [pcb.net.in](http://pcb.net.in)  

+91 9990623304  

**Enclosures**: As Attached  

**Effectiveness of NCLT**

Dear Friends,

I am pleased to share details about a recent order obtained by a fellow buyer of Solitaire City, Colonel Dr. Gautam, who is currently serving in the Indian Army.

Colonel Dr. Gautam had previously purchased two flats from two different builders. Due to construction delays, he approached the NCLT (National Company Law Tribunal), which, within Six months not only awarded him compensation but also ensured a revised possession date for his properties, through enclosed part settlement agreements.

Currently, Colonel Dr. Gautam, along with 32 other Solitarian City buyers, has filed a case in the National Consumer Disputes Redressal Commission (NCDRC) against delayed possession and interest claims. When he came to know that I am also filing case in NCLT, he called and consented to join with all others & shared his experience as testimony to the efficiency of the settlement process.

As a reference, I am enclosing copies of the orders he received, along with a record of our chat exchange for your kind perusal. However it may be noted that NCLT compromise is only valid for the petitioner’s listed as complainant.

Best regards,

Warmly,
Saxena V M
Secretary,
Petroleum Coal & Banking Executives Welfare Society
Visit us at pcb.net.in
+91 9990623304

Encl: WhatsApp’s Chat with Colonel Dr. Gautam

[15/12, 12:15] Solitaire Colonel Gautam: I was given 12.5 lacs as my assured returns of 5 years and also my unit vide this sec 7 application filed against Grand Venice. And this part settlement agreement clearly states that they will provide possession to me in 9 months failing which ill get 20000 per month
[15/12, 12:16] Solitaire Colonel Gautam: In this part settlement agreement with Supertech i got 10 lacs back as delayed penalty for my studio Appartment booked at Upcountry within 6 months of filing NCLT case..
[15/12, 12:17] Solitaire Colonel Gautam: So what i mean to say is that NCLT has not been filed by me to make any company insolvent.. its only the fear i give to builder of him getting removed from the management of the company he pays me my dues. So finally i have got my dues and also my unit
[15/12, 12:40] General Secretary PCBS: Thanks for sharing same
[15/12, 14:15] Solitaire Colonel Gautam: Yes..
[15/12, 14:15] Solitaire Colonel Gautam: One can file at NCLT also simultaneously
[15/12, 14:16] Solitaire Colonel Gautam: NCLT as such supersedes everything
[15/12, 14:16] Solitaire Colonel Gautam: And date of possession revision by rera for any builder is not related to what is mentioned in our BBA
[15/12, 14:16] Solitaire Colonel Gautam: Our date of possession is final whats mentioned in Bba with builder
[15/12, 14:17] Solitaire Colonel Gautam: The revised date of possession is just to extend his rera registration
[15/12, 14:17] Solitaire Colonel Gautam: Thats all

Subject: Key Arguments for Early Settlement in NCLT Proceedings  

Dear Friends,  

To facilitate an early settlement and ensure that the builder complies with our terms and conditions in the ongoing NCLT matter, it is imperative that our Appication contains arguments that render the builder and their advocates defenseless. This strategy will benefit all plaintiffs by expediting the resolution.  

With this objective, the undersigned has proposed the following arguments, which have been accepted by the law firm and will form part of the Argument:  

Point 1 of my Argument
### 1. RERA Restrictions on Extensions  

1.1 Section 6 of RERA:  
Extensions are limited to one year and granted only under:  
– Force Majeure (e.g., war, floods, earthquakes).  
– Reasonable Circumstances without builder default.  

1.2 Expiry of UP-RERA Registrations:  
It is noteworthy that the original UP-RERA registration numbers and their extensions for all Nine towers of Speed & Turbo Phase (as detailed in the attached Excel sheet prepared by Varmaji) have expired. Therefore, no further extensions can be granted under Section 6 of the Act.  

1.3  Practical Constraints:  
– Pace Phase: Even with a one-year extension, completing **G+22 and G+29 towers is infeasible.  
– Speed Phase: With the UP-RERA extension expiring on **March 31, 2025, the timeline is insufficient to complete **S-1 and S-5 (G+29).  
– Turbo Phase: Extensions for **T-2, T-3, and T-4 have already expired, leaving no further relief possible.  

### 2. Implications of Expired RERA Registrations  

2.1 Ineligibility for Project Finance and Home Loans:  
Without valid RERA registration, the project becomes ineligible for project financing or home loan approvals, thereby cutting off critical funding sources.  

2.2 Prohibition on Sale and Advertising:  
Under UP-RERA, a project cannot be sold or advertised without valid registration. This restricts the promoters from attracting new buyers or securing payments from potential customers.  

### 3. Conclusion and Proposed Relief  
The promoters cannot secure funding, generate sales, or complete construction. It is proposed that the NCLT order the winding up of the project, protecting the Applicant Homebuyers interests. Given these arguments, the defence council will struggle to contest effectively.  This course of action will safeguard the interests of all applicant homebuyers  and ensure an equitable resolution.  

Point 2 of My Argument  

As shown in the enclosed Excel sheet prepared by Varmaji, the builder has previously misled the UP-RERA court by providing different possession dates for the same towers. These discrepancies, documented in UP-RERA orders, violate the builder’s legal duty to present accurate information. Such actions may constitute:  

1. Misrepresentation: Providing false or misleading information.  
2. Concealment of Facts: Withholding or distorting relevant details.  
3. Contempt of Court: Interfering with the administration of justice.  

The consequences of such actions include:  
– Adverse Inference: The court may draw conclusions unfavorable to the builder.  
– Penalties: Imposition of fines or initiation of contempt proceedings.  
– Loss of Credibility: Erosion of the builder’s reputation and trustworthiness.  

Given the builder’s track record of inconsistencies and the documented evidence from UP-RERA, it is imperative to prevent any further opportunity for misleading the court. Therefore, it will be prayed that the NCLT refrains from granting the builder any leniency to present contradictory statements. Since this is a matter of official UP-RERA records, the builder’s defence counsel will have no defence arguments in this regard.  

Wishing you all a Happy New Year and looking forward to securing interest on delayed possession and the earliest possible possession date for all.  

Best regards,  
Saxena  

Enclosures:  
1. Tower-wise expiry dates of UP-RERA validity timelines.  
2. Tower-wise possession dates as per UP-RERA orders

— 

Warmly,

Saxena V M,

Secretary, 

Indian Petroleum Executive SAS Ltd.

Visit us at IPESAS

 +91 9990623304

*Estimated Profit Projections for Solitarian City*  

Dear Friends,

Please note that the primary objective of filing a case in NCLT is to put the Builder in a situation where the Builder would have no other option but to settle the matter with the Home Buyers or else the builders would be admitted to insolvency. Pertinently, any settlement/ compromise done by the builder with the said group of allottees will be placed before NCLT, therefore, the builder would be bound to make good of the same or else Insolvency proceedings will be initiated against the builder.

Even if the builder is admitted to insolvency, Section 12 of the Insolvency and Bankruptcy Act, 2016 lays down that the process has to be completed within 180 days from the date of admission of the Application. Therefore, within 180 days a resolution plan can be approved and other builder can take over the project and complete it in a time bound manner.

“Because of these guidelines, it appears that Solitaire Real Infra (P) Ltd settled a previous case filed against them in NCLT within approximately four months of the application being filed. Hopefully , we can expect a similar for settlement in our case as well.”

As our project is on a fully paid land and has no project financing, the total net gain after project completion is estimated at ₹958.03 Crores, as per break-up provided below. This amount is sufficient to pay interest to every allottee participating in the NCLT case filing which will be included in the compromise deed done with the Builder. The detailed breakdown is as follows:  

*1. FSI and Saleable Area Projections*  
– *Total Saleable FSI* = 28,63,354 Sqft (as filed and published on the UP-RERA website), purchased for approximately ₹153 Crores. Thus, the per sqft FSI cost incurred by both builders is ₹535 per sqft.  

– As per the latest YIEDA tender, group housing scheme plots were auctioned at a base price of ₹32,000–₹35,000 per square meter. Based on this, the per sqft FSI land cost (including registration) comes to ₹1,100 per sqft.  

  Therefore, the per sqft FSI gain is calculated as:  
  ₹1,100 – ₹535 = ₹565 per sqft.  

– With a balance available FSI of 18,12,742 sqft, the FSI gain in rupee terms amounts to approximately ₹102.41 Crores.  

—

*2. Construction Costs*  
At current construction rates, the cost per sqft is approximately ₹3,600, including amenities. A category-wise breakup of the costs is as follows:  
– *Substructure:* ₹395  
– *Superstructure:* ₹1,460  
– *Non-Tower Area:* ₹420  
– *Finishing:* ₹485  
– *MEP (Mechanical, Electrical & Plumbing):* ₹725  
– *External Infrastructure:* ₹115  
– *Total Construction Cost per sqft:* ₹3,600  

This cost includes the construction of the following amenities:  
1. 2,043 sq. m. (22,000 sq. ft.) Clubhouse  
2. Cricket Pitch  
3. Sky Walk  
4. Play Area  
5. Badminton Courts  
6. Swimming Pool  
7. Open Green Areas  
8. Tennis Court  
9. Basketball Court  
10. Sky Lounge  
11. Amphitheatre  
12. Basement Car Parking  

It is worth noting that significant components such as the clubhouse, swimming pool, and a large portion of basement parking are already constructed, which may slightly reduce the overall construction cost.  

– Construction of the remaining 18,12,742 sqft is estimated to cost ₹652.58 Crores.  

*3. Revenue Projections*  
As per the allotment letters issued by the builder to Mr. Atul Gupta and Mr. [Other Name], the sale price per sqft (including PLCs) is ₹8,320 on a saleable basis. The total realization from selling 18,12,742 sqft (without considering any further appreciation) is projected at ₹1,508.20 Crores.  

Thus, the total revenue from the project can be summarised as:  
₹1,508.20 Crores (sale proceeds) + ₹102.41 Crores (FSI gain) = ₹1,610.61 Crores.  

—
*4. Net Gain Projections*  
The total cost to complete the project is ₹652.58 Crores. Subtracting this from the total revenue:  

*Net Gain = ₹1,610.61 Crores – ₹652.58 Crores = ₹958.03 Crores*  

Though the consortium of builders developing Solitarian City would not like to loose such high margin of profit, even if they do so, this net gain of ₹958.03 Crores is sufficient to cover the interest payments to all allottees participating in the case filing.

Please further note that the Solitarian City Total FSI has been calculated as published by them in UP-RERA website.

In the counterarguments phase, when both developers submit their respective affidavits, we can obtain the documents detailing flat-wise, tower-wise, and date-wise allotments. These records will assist us in substantiating the following:

1. Identification of flats belonging to our members that have been resold.  
2. Identification of flats sold by both builders after the expiry of UP-RERA registration.

Based on this evidence, we will be able to:  

– File a Writ Petition against UP-RERA and the two builders before the Hon’ble Allahabad High Court.  
– Initiate a criminal complaint under Section 156(3) of the CrPC in the Sessions Court.  

Additionally, the statements and affidavits submitted by the builders in the NCLT proceedings will strengthen our case, increasing the likelihood of obtaining favorable and expedited orders from the courts. By pursuing this approach, filing in the NCLT will strategically expedite the legal journey toward settlement across multiple forums.  

Trust this answers all the queries. However if any are left please call.

Best Regards,

Warmly,

Saxena V M 

Secretary, 

Petroleum Coal & Banking Executives Welfare Society 

Visit us at pcb.net.in

 +91 9990623304

List of Attachments:

1.Supertech order page 1-2

2.Settlement deed Venizia

3.J&K list

4. Cases status tower wise

5. RERA Validity 

See annexures in the link

https://drive.google.com/drive/folders/1fhWcsG_d4ozQJaG8fXQ6DMwV5roBRfdT?usp=sharing

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