VASAI TALUKA HOUSING SOCIETIES REVIEW · Vasai Taluka Housing Societies Review 05 October 2014...

October 2014 VOL.03 Issue 07

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VASAI TALUKA HOUSING SOCIETIES REVIEW

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E-LEARNING

THE NEED OF THE HOUR

MSWA EDUCATIONAL INSTITUTE

‘'kqHk fnikoyh‘'kqHk fnikoyh

Page No. 18

Page No. 08

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ARCHITECTS / CIVIL & STRUCTURAL ENGINEERS / VALUERS / SURVEYOR REHABILITATION/ CONSTRUCTION/ DEVELOPMENT

WE EXPERTISE IN BUILDING REPAIR & REDEVELOPMENT CONSULTANCY

Regd. / Licensed / Empanelled – with BMC, MCGM, NMMC, KDMC, MBMC, VVMC

Our Services:

STRUCTURAL AUDIT / SURVEY : As per Bye law No.77 & Municipal norms. Details survey / Audit / Non - Destructive Test , RBH, USPB / Remedies, Estimation etc

REPAIRS: Survey, Tendering pr ocess, Selection of contractor, Legal documentation, Technical Supervision, Quality & Quantity Control, Bill Certification, Work Guarantee & Stability Certificate etc

RE-DEVELOPMENT: As per Govt. new guideline/ notification -feasibility Report, Tendering Process, Selection of builder, Planning, Legal documentation, Supervising, Quality Control , Verifying various permission like IOD,CC etc before vacating the plot, Strict supervision to monitor quality of construction & Scrutinsing all property paper before handover to society & Project Consultants

Arrangement of Loan for Major Repairs & Re -development

H O. Vashi – JN2/41/A1, Sector No.9, Vashi, Navi Mumbai – 400 703

: - 022-6522 0014 / 8856 003576 B O. Vasai - B/16, Mahavir Kunj, Ambadi Road, Vasai (W), Thane – 401 202

: - 95250- 6012 213 / 9321 099506

E – Mail : [email protected]

Mr. Thomas Mathew : - 9823 608875

Mr. Binu Mathew : - 9545 730344

02

Vasai Taluka Housing Societies Review 03 October 2014

BUILDING REPAIRS / REDEVELOPMENTB.M.C AAPROVED CONSULTANTS

(BMC PANEL STRUCTURAL ENGINEER REGD. NO. STR/S/171) & ARCHITECT CA/80/5507

Regd. / Licensed / Empanelled – with MCGM, NMMC, KDMC, MBMC, VVMC

On similar lines, the health of the building has to be checked

Our company will check your for the “SWEET HOME”

STRENGTH OF THE BUILDING, DURABILITY &

STRUCTURAL SAFETY.

OUR SERVICES FOR STRUCTURAL AUDIT & BUILDING REPAIRS:

REPAIRS:

PMC FOR REDEVELOPMENT :

Structural Audit / Survey: As Per Bye Law No.77 & Municipal Nomes. Details Survey/ Audit / Non-Destructive Tests (Ultra Pulse & Rebound Hammer Test) Half Cell Potential Chemical Analis.

Survey, Tendering Process, Selection of Contractor, Legal Documentation, Technical Supervision, Quality & Quantity Control, Bill Certification, Work Guarantee & Stability Certificate.

As Per Govt. New Guideline / Notification- Feasibility Report, Tendering Process, Selection Of Building, Planning, Legal Documentation, Supervision, Quality Control & Project Consultants.

Expert in Liasoning with BMC/MHADA/Collector/SRA/MMRDA

BMC Panel Consists Of Structural Engineer, Architects, & Legal Consultants.

Architect, Civil & Structural Engineers, Valuers Project Management Consultants,

Contact Person.

MR.NILESH SINGH - 7666001099/9920601099/7718881801

MR.PANKAJ CHAUHAN - 7757856885/7718881808

MR.CHETAN GAONKAR - 7757856884/771881807

OFFICE -NO - 7718881803/0250-6065655/6055655

ADDRESS: H/O -10/101, Swapna Purti, Nr. Vishnu Shivam Mall, Thakar Village, Kandivali (E), Mumbai- 400 101. B/O- Shop-No-4, Nirav Apt.Anand Nagar, Vasai (W), Thane-401202

ISO 9001:2008 CERTIFIED

For General Housing Society related queries, Please Contact 0250-6457596/ 95 • 0250-2390170/ 71

• E-mail • [email protected]

Views expressed in this Magazine are of the authors & VTHF is not Responsible for its Contents.

Circulate among Friends and other members of the Society

PRINTED ATNutan Printers Pvt.Ltd.,G-4, C-wing, Radha Kunj CHS.Ltd.Anand Nagar, Navghar, Vasai Road (W),Thane – 401 202

For Members : Free

Annual Membership : Rs. 500/-(Society & Individual)

MOST IMPORTANT

VASAI TALUKA HOUSING SOCIETIES REVIEW

“ Readers are recommended to make appropriate enquires and seek appropriate advice before sending money, incurring any expenses, acting on medical recommendation or entering into any commitment in relation to any advertisement published in this publication. VTHF group doesn’t vouch for any claims made by the Advertisers of products and services. The Printer, Publisher, Editor, and Owner of the VTHF Group Publications shall not be held liable for any consequences, in the events such claims are not honoured by the Advertisers” CONTAIN

Prime Minister Massage

PAGE NO.

EDITORIAL & PUBLICATION OFFICESwagat Bhavan, opp. MSED Staff colony,Next to Indian Oil, station road,Vasai road (E), Dist. Thane - 401202

CHAIRMAN

CA. Ramesh S. Prabhu

EDITOR

Mr. V. Viswanathan

DESIGNED BY

Vishal Bamane

EDITORIAL BOARD

CA. Anitha Viswanathan

Adv. Runal Falcao

Adv. Beena Singh.

06

08

10

14

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lkls k;Vh dUOgvs Uldfjrk fnok.kh nkok gk i;k;Z h mik;

Dear Readers,

We hope that all societies have conducted their annual thgeneral body meeting within the time frame of 30

September 2014. This is election time. By the time you

receive this month's edition we are sure you would have

voted judiciously. The festival season continues with

Diwali and other festivals to follow. Happy festive season

once again to our readers.

Affordable Housing Welfare Organization of India has come out with a

unique scheme to provide houses to poor at a very affordable rates. This is

in lines of the central Government's mission of House to all by 2022. Those

interested are requested to read the article on the subject matter by our

Chairman CA. Ramesh Prabhu.

Also �ind a circular under section 79A of the MCS Act in respect of

submission of documents to be done on or before 30/9/2014. In case not

done by you, please contact the federation of�ice for required guidance.

The government has taken initiative to get the online application for

Deemed Conveyance. The detail of the same is given in the website of your

federation. The same can also be downloaded from our website. Also

online registration of the society is also must for all the societies which

needs to be done on urgent basis else there is risk of societies' being de-

registered. Because of poor response to the Deemed Conveyance, the

Honorable Chief Minister has extended the special drive on Deemed stConveyance till 31 December 2014. All the requested to avail the bene�it

and get the conveyance of their society.

You must be availing the bene�its of the federation by this time. We would

like to have your experience, be it positive or negative, about your

experiences with us. This will help us to improve for good.

Suggestions and criticisms are most welcome as it will help us to improve

on our services. Please do email us on [email protected] who are yet to become the member of the federation are requested

to apply as soon as possible to get the bene�it of the free monthly magazine.

Happy Reading ! V. Viswanathan

x`gfuekZ.k laLFkk Lora= lgdkjh dk;nk vko';dAFFORDABLE HOUSING WELFARE ORGANISATION OF INDIA (R) FROM THE DESK OF Hon. PRESIDENT

ISSUE OF SHARE CERTIFICATE


LALIT & ASSOCIATES Architects , Civil/Structural Engineers , Valuer & Project Consultants

Mr. Lalit Kumar Jha - B.E (Civil), ProprietorRegd /Licensed/empanelled – with MCGM, NMMC, TMC, MBMC & KDMC

Regd No – STR/J/77.& NMMC/TPO/S.E/106

Cell : 9321035048 /9222552270

E-mail –[email protected]. Our services:

STRUCTURAL AUDIT / SURVEY : As per Bye law No.77 & Municipal norms. Details survey /Audit/ Non-

Destructive Test/, Remedies , Estimation etc.

REPAIRS : Survey, Tendering process , selection of contractor, legal documentation, Technical Supervision ,

Quality & Quantity Control, Bill Certification, Work guarantee & Stability Certificate.

RE- DEVELOPMENT : As per govt. new guideline / notification – feasibility Report, Tendering Process, selection of

builder , planning , legal documentation, supervision, Quality Control & Project Consultants.

Office : Navi Mumbai -: B3/3/0.3, Sec - 02, Opp. Abhudaya Bank, Vashi, Navi Mumbai - 400 703, Tel.: 022- 64640122 Thane :- Harsh Vihar Building No. 30 CHS Ltd., Gr. Floor 002, Sec. No. 01, Opp. Shanti Shopping Centre, Shanti Nagar, Mira Road (E), Tel.: 022 - 65652977

M/s. REHAB ARCHITECTS PVT. LTD. Tel. Nos.- 022 - 2437 3601 / 2437 0473

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KIND ATTENTION ALL THE MEMBERS OF CO-OPERATIVE HOUSING SOCIETIES!!!

WE PROVIDE FOLLOWING SERVICES FOR STRUCTURAL AUDIT, REPAIRS, RETRO-FITTINGS & REDEVELOPMENT.

OUR SCOPE IN REPAIR WORK : N.D.T. Structural Audit, Estimation of Repairs & Retrofitting, Technical & Economical Repairs, Retrofitting, Tendering & Contractor selection, Supervision, Bill check, Quality Control, Defect Liability period, Structural stability certificate.

OUR SCOPE IN REDEVELOPMENT WORK : Legal Service, Government department Liasoning work, Feasibility Report, Tendering & Developer selection, Supervision & Quality Control, Defect Liability period

OUR SCOPE IN SELF REDEVELOPMENT WORK : Legal Service, Government department Liasoning work, Feasibility Report, Financing project, Architectural Planning & Designing, Structural Designing, Tendering & Contractor selection, Legal Service, Liasoning work for Plan approval, IOD, CC, BCC, OC etc., Supervision & Quality Control, Defect Liability period.

TECHNICAL, LEGAL & OTHER SERVICES : Total Station Survey for Plot & Carpet area Measurement, Legal Service provides for Society documentation by our Advocates.

GOVERNMENT DEPARTMENT LIASONING WORK : Liasoning work for procuring documentsfrom various Governments, MCGM department for Co.op. Hsg. Societies

Member of : Municipal License Structural Engineer STR/S/80, Surveyor No. P/566/LS, Practicing Engineers & Architects and Town Planner Association (PEATA)

Mr. Nikhil Pimputkar ( Structural Engineer ) (B. E. Civil from VJTI ) Mr. Sharad Mudaliar ( Civil Engineer),

Mr. Prajakt Patil ( Architect ), Mr. Harshal Patil ( MCGM License Surveyor & Civil Engineer ),

Mr. Khalid Barudgar (Architect ), Mr. Samir Sayyed (B. E. Civil from VJTI), M. Tech Structures (IIT Mumbai)

Call: 9821038065, 9821367035, 7208312356, 9769088340, 9769088250

Email: [email protected], [email protected], [email protected] , Web : www.pmcvastu.com

VILE PARLE OFFICE: Pandurang Sadan, Ground floor, 2A Hanuman Road, Opp. Loop Mobile Gallery, Vile Parle (East), Mumbai - 400 057.

THANE OFFICE: 602, Damodar Niwas, ‘B’ Cabin, Shivaji Nagar, Naupada, Thane (W) - 400 601.

Service Tax No: ST. / MUM / DIV-III / ARC-1734/ 09

Call our 15 Years Experienced Engineers for best Technical advice & prompt Economical service.

Mr. Amit Kamlakar Thakur is not associated with Vastu Associates


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October 2014Vasai Taluka Housing Societies Review 09


Dear Friends / Members,

INTRODUCTION :

Co-operative principles and coming together have always helped the economically weaker, low income and middle income people to achieve their goal. Group and Co-operative Housing Movement for the �irst time started in Asia from Mumbai in 1915 at Tadeo by registering "The Saraswat Co-operative Housing Society Ltd.". Looking at the success of many such housing complexes promoted by Saraswat community, many Non Government Organisations (NGOs), Employees of the institutions like banks, RBI,LIC, BMC, Post of�ice, Income Tax, Indian airlines, Air India started forming a group of likeminded persons who wants to get the dream houses at an affordability price. Nearly 10,000 complexes have been formed in Mumbai and Thane District under this movement. The movement took a backseat since 1980 due to increase in land price, involvement of black money, mischief played by some unscrupulous persons etc.

The successful model of Group Housing based on co-operative principles prevailing between 1915 to 1980 will be revived and reintroduced by AHWOI formed by group of professionals and like minded persons.

FORMATION OF AHWOI AND ITS MEMBERSHIP:

An NGO known as "AHWOI" has been formed by like minded professionals like CAs, Doctors, retired Government and Semi Government of�icials, bankers, Architect , Structural Engineers, Advocates, social activists etc to enrol the persons desires to have the house of their budget and the need. Any person desires to acquire the �lat on ownership or on rental under the Group Housing Scheme facilitated by AHWOI, may become its free member. During the membership term, member can avail some of services free of charge like legal advice, veri�ication of documents, eligibility of housing loan, guidance to procure the �lat etc..

AFFORDABLE HOUSING WELFARE ORGANISATION OF INDIA (R) FROM THE DESK OF Hon. PRESIDENT

FORMATION OF GROUPS FOR A PARTICULAR LOCATION.

Once you become a member of "AHWOI" you may apply for the p re fe r re d L o c a t i o n G ro u p Housing Scheme to be facilitated b y “A H W O I ” t h r o u g h i t s a p p r o v e d / a u t h o r i s e d contractor/ developer. Each of the location will be within 5 to 7 Km from the Railway station. The application to give all the details of applicant, location preferred such as.

Western Extended Suburb or Eastern Extended Suburb

Vasai Road, Nallasopara, Virar, Naigoan, Kaman, Mira Road, Bhayandar, Titwala, Panvel, Karjat, Bohisar, Palghar, Saphala, Kalyan, Dombivali, Badlapur, Mumbai, Thane, Dhanu Road, Any Location

The member should also give the details like income, area of the �lat, budget, own contribution etc. 75% of the Cost of the �lat can be arranged in the form of housing loan.

After receiving Minimum 50 applications for a particular location, AHWOI will approach the approved Contractor/developers to provide the site plan, building plan, �lat plan, price, amenities provided and all the terms and conditions of providing the �lats at the particular locality. In case the majority of the group members accept the t e r m s a n d c o n d i t i o n s o f t h e a p p r o v e d C o n t ra c to r / d eve l o p e r, t h e s a m e w i l l b e communicated to all the members and invite the applications to book the �lat on �irst come and �irst served basis.

ACCEPTANCE OF APPLICATIONS

AHWOI has appointed Members Organiser who will explain the prospective members about membership of AHWOI , Rules and Regulations of

RAMESH PRABHU Chairman, AHWOI


(Interiors & Exterior)

Old building/ society maintenance/ repairing works

Structure audit work (Compulsory for building more than 15 yerars old)

Re-plastering

Water Proofing

Terrace roofing

Plumbing

Crack Filling & Painting (applicator for Nerolac Paints)

Flooring

And Also We under tack all types of interior renovation works

(Flats, Offices, Bunglows etc…)

Proprietor: Reginald Santhrnayer Mobile: 9823142247

Email: [email protected]

Address: Shop No 1, Jai Ganesh Krupa CHS, Near K. T. Vision, Anand Nagar, Vsai Road (W), Thane - 402202

REAL ESTATE DIVISION(MERIDIEN BUSINESS CONSULTANTS PVT LTD.)

We give right advice, at right time within legal ambit for all your real estate needs. Our services are for individual, NRI, Corporates, property dealers, agents and co-op societies

Corporate Office: Suite 6, Meridien Apartment, Veera Desai Road, Andheri (w) Mumbai-400058Phone 022-26765506/26763179/9320261049 Email Id - [email protected]

Formation of all types of co-operative Society Conveyance & deemed conveyance Redevelopment of property Land Acquisition Valuation of Property Registration & stamp duty Drafting and Vetting of various Documents Project financing Expert opinion Investment consultancy Accounting & taxation Sale/Purchase/Lease of Property Consultancy on legal matters, court cases, property disputes etc


group housing schemes etc. The prospective members also can attend the regular presentation with interactive sessions which are held at the corporate of�ice and the registered of�ice about the group housing scheme. Interact with one to one & also recommend the membership to the organisation. They will help them to �ill the application for allotment of �lat & also facilitate sanctioning of housing loan upto 75%of the cost of �lat. They will give all the services to members till the �lat possession is given to the members. They will receive payments, issue receipts & give statement of accounts. Appraisal of�icers are available at corporate of�ice and registered of�ice.

WHERE THE PROJECT WILL BE STARTED? WHEN?

Once we receive the applications for 50 �lats or 20,000 sq.ft. Construction for a particular location, AHWOI, will �ind out the Contractor / Developer who will purchase the land at most reasonable price, prepare the plan and the Building as per the requirement of the AHWOI members.

WHEN THE FLATS WILL BE ALLOTTED?

Once the land is purchased by the Contractor / Developer company, the architect of the company will get the plan approved by the authorities as per the requirement of the members. Once the plan is approved, the members of AHWOI will be invited to book the �lat at the cost displayed on the website. Based on application received, the �lats will be

allotted on senior most members in respective group (preference group) & agreement for sale of �lat will be executed & registered on receipt of 25% of cost of the �lat. Balance 75% is payable as per the progress of construction by own funds or by availing loan from �inancial institution/Banks.

WHEN POSSESSION WILL BE GIVEN?

Within 2 years of plan approval, construction will be completed & possession will be handed over, society will be formed & conveyance will be given to the society.

W H E T H E R W E C A N W I T H D R A W T H E APPLICATION? WHAT IS THE WITHDRAWAL CHARGES.?

No withdrawal charges will be levied before the allotment . If cancelled after one year , interest on the booking amount as per the deposit scheme will be given to the member along with deposit amount. However after the allotment of the �lat if the same is cancelled, cancellation fees of 10% of the cost of the �lat will be recovered.

For More details you can Contact our Of�ice on – 022 – 42551414 or Send the E-mail : [email protected]

With Best Regards,

CA. RAMESH S. PRABHU, HON. PRESIDENT , AFFORDABLE HOUSING WELFARE ORGANISATION OF INDIA

Location Address Tel. No.

Fort

Vasai

Dombivali

Sai Sadan, 1st floor, office No. 103, 76/78,Modi Street, Fort, Mumbai 400001

Swagat Bhavan Bldg., Near Indian oil, Opp. M. S. E. B. Colony, Vasai (E), Thane - 400 208.

1-B, Ram Govind Apartment, Opp. Vijya Bank, Near Brahman Sabha Hall, Dombivali (E) - 421 201.

3, Nakshatra, Shobha Aprtment, Sarojini Naidu Road,

Tambe Nagar, Mulund (W), Mumbai - 400 080

022 - 2265 65 8298 21 23 47 70

0250 - 645 75 850250 - 645 75 86

0251 - 605 00 40072 76 34 89 99

Mulund

“MSWA Branch office “

MAHARASHTRA SOCIETIES WELFARE ASSOCIATION (R)

022 2568 5983

98 69 03 45 67



th25 September, 2014.

Dear Friends,

I am sure you heard time and again that cleanliness is next to Godliness. Alas, things are often different

when it comes to putting this into practice.

ndOn 2 October we are launching Swachh Bharat Mission, a massive mass movement, that seeks to create

Clean India. Cleanliness was very close to Mahatma Gandhi's heart. A clean India is the best tribute we can thpay to Bapu when we celebrate his 150 birth anniversary in 2019. Mahatma Gandhi devoted his life so

that India attains 'Swarajya'. Now the time has come to devote ourselves towards 'Swachchhata'

(Cleanliness) of our motherland.

I urge every one of you devote at least hundred hours every year, that is two hours every week towards ndcleanliness. We can't let India remain unclean any longer. On 2 October I myself will set out with a broom

and contribute towards this pious task.

Today, I appeal to everyone, particularly political and religious leadership, mayors, sarpanchs and

captains of industry to plan and wholeheartedly engage in the task of cleaning your homes, work places,

villages, cities and surroundings. I request your active support and participation in our collective quest to

make a Swachh Bharat.

Watch PM's call for Swacch Bharat Yours,

Narendra Modi

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ISSUE OF SHARE CERTIFICATE For issuance of Share Certificate is it NOT

necessary to register the Agreement for Sale,

Many time Housing Societies demand Registered

Agreement for issuance of the share certificate and

says that without Registered Agreement share

certificate cannot be granted. It is clearly

mentioned under the provision of section 41 of

the Maharashtra Cooperative Societies Act,

1960 which reads as follows

Section 41: Exemption from compulsory

registration of instruments relating to shares and

debentures of society. ---Nothing in Clauses (b) and

(c) of sub-section (1) of section 17 of the Indian

Registration Act, 1908, shall apply :--- (a) to any

instrument relating to shares in a society,

notwithstanding that the assets of the society

consist in whole or in part of immoveable property;

or(b) To any debentures issued by any society and not

creating, declaring, assigning, limiting or

extinguishing any right, title or interest to or in

immovable property, except in so far as it entitles

the holder of the security afforded by a registered

instrument whereby the society has mortgaged,

conveyed or otherwise transferred the whole or

part of its immovable property or any interest

therein to trustees upon trust for the benefit of the

holders of such debentures; or(c) To any endorsement upon, or transfer of, any

debentures issued by any society.

Thus the Agreement for Sale is not required to be

registered. As per The Maharashtra Co-operative

Societies Act under Section 41. It is specifically

provided that the exemption from compulsory

registration of an Instrument relating to shares and

debentures of the Society. Nothing in clause (b) and (c) of sub–section (1), of section 17 of the Indian Registration Act, 1908, shall apply to any instrument relating to shares in a society, notwithstanding that the assets of the society consist i n w h o l e o r i n p a r t o f immovable property. Under the said Section it is specifically m e n t i o n e d t h a t s u c h a n Agreement does not require registration.

This is further up held by Hon'ble Bombay High Court in the case of USHA DONGRE VS. SURESH KOTWAL reported in 1990 Maharashtra Law Journal 306 that such an Agreement does not require Registration. In this case it was held:

“Looking to Section 41 of Maharashtra Co-operative Societies Act, 1960, the intention was clearly to execute transfer of shares in a Co-operative Society from the provisions of Section 17 of the Registration Act, 1908. In the case of Co-operative Societies, the “Shares” do not become immovable property. A transfer of such share does not require registration under Section 17 (I)(b). Even if the transfer of such share is considered as a transfer of interest in an immovable property, Section 41 of the Maharashtra Co-operative Societies Act exempt the document effecting transfer of such shares from the ambit of Section 17 (I) (b).

Hence, it is crystal clear that issuance of the share certificate cannot be rejected by the Society on the ground of Non-Registration of the Agreement for Sale. Whereas, it is always advisable to register the Agreement for Sale as it creates record. As well as it is considered as legal evidence as per Section 49 of the Registration Act, 1908.

Adv. Runal Falcao Empaneled Adv., VTHF

• Sign up for our free Monthly

E-mail Newsletter at

www.vasaihousingfederation.com

As per bye-law No.6 it is compulsory to become the member of housing federation.

Follow us on Twitter :@vasaihsgfed


Mobile : 9820146623,

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As we trace back to year 1980’s and beyond it existed in the form of distance learning and televised courses, even today we see some good cooking class on TV by famous Chefs

Since the advent of computers and internet eLearning has rapidly grown from distance learning to virtual learning breaking the barriers of teacher led process with physical presence in a classroom to bridging geographical gaps, with the use of eLearning tool it makes you feel inside a classroom.

MSWA EDUCATIONAL INSTITUTE Elearning has offered ability to share study material in different formats such as videos, power-point slides, word document and yes PDFs.

Conducting On-line live classes i.e.. webinars, communicating and chatting with professors via message forums is also available at our disposal. There are different eLearning systems (LMS : Learning Management Systems) which allow courses to be delivered on the internet.

Elearning is now a days an affordable solution which provides the learners the ability to �it learning around their busy lifestyle to further a career and achieve new quali�ication.

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SSSHousing Finance Company Limited

SWAGAT HOUSING LOAN -

CIN : U65922MH1996PLC101035

SSSHousing Finance Company Limited

A-1/207, Laram Center, Above Federal Bank, Opp. Platform No. 6, Andheri (W), Mumbai - 400 058.

Tel.: 26248565 / 42551414 / 9820601894E-mail : [email protected]

CIN : U65922MH1996PLC101035

TO BUY OR RENOVATE HOUSE

SELF REDEVELOPMENT LOAN TO HOUSING SOCIETIES

MORTGAGE LOAN

LOAN TO ECONOMICALLY WEAKER SECTION THROUGH

HOUSING SOCIETIES

SLUM SELF REDEVELOPMENT LOAN TO SLUM DWELLERS

REPAIR LOAN TO HOUSING SOCIETIES


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Circular

Sub: Submission of Application under section 79 of MCS Act 1960.

As per Section 79 (1A) of Maharashtra Co-operative Society Act 1960 within six months from the

date of closure of �inancial year, all the co-op societies shall compulsorily submit the following Documents

to the concerned Deputy Registrar or to the Authorities appointed by them Relevant Registrar or

Authorised Of�icer.

A. Annual Report of the Society. B. Audit Report of the Society.

C. Proposed Plan to invest the balance amount as per the approval of the Annual General Meeting of

Society.

D. List of amendments to be made in the Bye – laws of the Society (if any).

E. Appointed Date of Annual General Meeting or _________ & Af�idavit with regard to date of Election of the

Society. E .

F. Any other information required to the Deputy Registrar as per the provisions.

As per section 79 (1B) all the Co-operative Societies from the list of Government approved and appointed

in the General Body Meeting, shall required to submit the name of the Auditor or name of the Audit Firm,

his/her/its written consent to conduct the audit of the society, to the Deputy Registrar within one month

from the date of Annual General Meeting.

As per provisions of Section 79 (1A) & 79 (1B) the detailed document should be submitted as per

following procedures:

Circular on 79A of MCS Act 1960.

For Above Detail Marathi Circular Available our Website : www.vasaihousingfederation.com


Vinod T. Harisingani

BUILDING REPAIRS & MAINTENANCEA typical commercial lease places most or all of the

responsibility for repairs and maintenance on the

tenant, except that the tenant's obligations may be

limited in respect of reasonable wear and tear, and

the landlord may be responsible for structural

repairs. The obligations under the lease may be

described as being those of a “prudent tenant” and

“prudent landlord” or that the premises must be

maintained to a “�irst class” standard. A large body

of court decisions has developed around the

interpretation of the words "structural repairs”

“reasonable wear and tear”, and “prudent”. This

communiqué examines the meaning of typical

repair and maintenance obligations under a

commercial lease and offers ways to reduce risk for

both the landlord and tenant.

Many commercial leases provide that the landlord

will be responsible for “structural repairs”. Unless

the scope of structural elements is expressly

identi�ied in the lease, the common interpretation

of a structural element is one which is necessary to

hold the building together, such as foundations,

walls, roofs and �loor structures, as opposed to an

element which is necessary only for the use made of

the building such as partition walls, stairways and

windows, or merely“decorative” features such as

carpeting. Mechanical systems, such as heating and

plumbing, are generally not considered structural

elements. Accordingly, most of the responsibilities

for repair and maintenance of building elements

that require maintenance will fall to the tenant.

“Repair” and “maintenance” are separate but related concepts. “Maintenance” contemplates taking steps to avoid deterioration of the building and its systems through preventative and corrective measures. Examples of maintenance might include painting, cleaning, servicing and lubricating equipment, clearing drains and gutters, and replacing light bulbs. A “repair” contemplates damage to a portion of the premises which needs to be �ixed. Obviously, anything damaged by the tenant must be repaired by the tenant. However, when a component is worn out and requires repair, a dispute may arise about whether the component

i s w o r n o u t d u e t o p o o r maintenance or due to reasonable wear and tear despite regular maintenance.

The common exception for “reasonable wear and tear “exempts a tenant from liability for remedying building components and systems that wear out or come adrift in the course of reasonable use, but it does not exempt the tenant from anything else. The reasonableness of wear and tear will depend on the use of the premises; wear that would be reasonable in an industrial shop will be completely unacceptable in a retail space. It is important to note that if further damage is likely to �low from the wear and tear, the tenant must do such repairs as are necessary to stop that further damage.

There are many expressions of the expected standard of repair including: “�irst class state of repair”; “good and substantial repair”;“as a reasonable and prudent landlord would repair”; and “in good and tenantable repair”. However, few of these descriptions are, without more, very helpful. Courts have indicated that maintenance to the standard of a prudent owner/landlord is a higher standard than that of a prudent tenant. Otherwise, the standard can be entirely subjective and, in the event of a dispute, the outcome will be hard to predict.

As often occurs in business, the concepts in a lease are seemingly well understood and adequately de�ined when the landlord and tenant are on good terms at the outset of the lease. As time goes on, and v a r i o u s i s s u e s a r i s e , t h e o n c e m u t u a l understanding of the standard of repair may start to diverge. Accordingly, it is best to clearly de�ine the obligations to reduce uncertainty.

A well drafted lease will outline standards to which the premises will be maintained. Wording might include reference to industry standards for heating and ventilation, to operations manuals, or direct


that the tenant must follow the recommendations of a quali�ied contractor. The lease may also simply prescribe a frequency for speci�ic maintenance tasks. When the tenant fails to perform its repair and maintenance obligations, the landlord will �irst have to give notice of default. Most leases de�ine a period for the tenant to cure the default. If the tenant does not cure the default, the landlord will have the option of terminating the lease or stepping in to ful�ill the tenant's obligations.

Termination of a lease is a risky exercise for the l a n d l o rd exc e p t i n t h e m o s t c o m p e l l i n g circumstances, as courts will often grant the tenant relief from forfeiture, and may even award damages to the tenant if the lease was terminated without suf�icient cause. If the landlord steps in to perform the tenant's obligations, the landlord will have a right to recover those costs from the tenant, but no certainty of ever actually recovering anything from the tenant. Accordingly, the best approach for a landlord is to conduct periodic inspections of the building and enforce the repair

and maintenance obligations before the situation gets out of hand. Regardless of the underlying reason that at tenant has failed to perform its repair and maintenance obligations, the tenant may argue that the poor condition of the premises is due to wear and tear or that the condition is the same as it was at the start of the term of the lease. The landlord can protect against the tenant's allegations by establishing and recording a baseline building condition. This can be done by conducting a building survey at the outset of the lease and at the start of each renewal using quali�ied professionals and having the tenant sign off on the survey.

In conclusion, even the best tenant will be mindful of cost control and will want to do no more repair and maintenance than required under the lease. Clear obligations, well de�ined standards and documented conditions at the start of the tenancy and at each renewal will help both the tenant and the landlord reduce the risk of misunderstanding and disagreement later on.

Mr. Vinod T. Harisingani (M.Tech - Civil) having 25 years experience is an expert in Major

Structural Repairs and Maintenance of Buildings.

He may be contacted on his personal Mobile No.: 9920432777 – Please SMS also with your

query and problems so he can answer and get back to your questions with solutions.

REGISTRAR MAY DIRECTCHS TO MAKE BYLAWS

Give below are the matters in which bylaws of a society can be made

There are times when the Registrar may direct the society to make bylaws in respect of certain matters. The Maharashtra Cooperative Societies Rules 1961, clearly provides for that. Rule 8 of the MCS Rules, 1961, deals with matters for which Registrar may direct Society to make bylaws.

(1) THE REGISTRAR MAY REQUIRE A SOCIETY TO MAKE BYLAWS IN RESPECT OF ALL OR ANY OF THE FOLLOWING MATTERS, THAT IS TO SAY:

The name of the society and address of the society and its branches.

The area of operation The object of the society. The manner in which the limit up to which the

funds of the society may be raised, the maximum share capital which any one member may hold and the purpose to which the funds would be made applicable.


The terms and quali�ications for admission to membership.

The privileges, rights, duties, liabilities of members including nominal, associate and sympathizer members.

The consequences of default in payment of any sum due by a member.

Conditions regarding sale or disposal of produce of members wherever applicable;

In case of credit societies The maximum interest rate. The conditions on which loan admissible to

member. The maximum interest rate. The conditions on which loans may be granted to

members and penalties for misapplication of loans so advanced.

The procedure for granting extension of time for the granting extension of time for the repayment of loans and advances.

The consequences of default in payment of any sum due.

The circumstances under which a loan may be recalled.

In the case of non-credit societies, the mode of conducting business such as manufacture, purchase, sale, stock taking and other like matters;

In the case of a composite society, that is to say, society having both, credit and non-credit functions, matters referred to in clauses (i) & (I)

The mode of holding meetings of the general body and of the committee.

The procedure for expulsion of members. The manner of making, altering, abrogating

bylaws. The mode of appointment by election or

o t h e r w i s e a n d re m ova l o f m e m b e r s o f committee, their duties and powers.

The chairman's powers, duties and function and his removal of his losing support of the majority.

The method of recruitment, the conditions of service and the authority competent to �ix, revise or regulate the scale of pay and allowances of salaries of�icers and servants of the society and the procedure to be followed in the disposal of disciplinary cases against them.

The mode of custody and investment of funds and mode of keeping the accounts and records

The disposal of net pro�its.

The manner in which penalty should be levied on a member who is found to be guilty of breach of bylaws.

Appointment of provisional committee where necessary.

The mode of appointment and removal of committee, its powers and duties.

The mode of convening annual and special general meeting, issues of notices, and the business which may be transacted there at.

In the event of winding up of the society, the purpose for which surplus assets, if any, shall be utilized.

The conduct of elections to the committee and other bodies of the society as provided and in the bylaws, including the numbers of members to be elected by different constituencies and appointment of Returning Of�icer.

Any other matters incidental to the management of its business.

Concurrently, the MCS Rules provide for a manner in which a society may make bylaws by itself. Accordingly, as per Rule 8 (2).

A SOCIETY MAY MAKE BYLAWS FOR ALL OR ANY OF THE FOLLOWING MATTERS THAT IS TO SAY

The circumstances in which membership withdrawal may be permitted.

The procedure e to be followed in cases of withdrawal, ineligibility and death of members.

The condition, if any, under which the transfer of share or interest of a member may be permitted.

The method of approaching payments made by members from whom moneys are due.

The authorisation of of�icers to sign document, institute and defend legal proceedings on behalf of the society.

The constitution and maintenances of various funds as required to be maintained under the provisions of the Act, rules and bylaws.

Constitution of representative body consisting of delegates of members of the society and the mode of election of such delegates to exercise the power of the general body of members and to specify the powers which may be exercised by such smaller body.

Source : Times of India - dt. 27/09/2014


NMIMS Information CentreASB Technologies,A-201, Royal Shopping Centre, Ambadi Road,Vasai-west, Dist Thane -401202E-mail: [email protected]: +91 9923600465 / +91 9225202992.




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PROJECT MANAGEMENT CONSULTANTS

PRABHU ASSOCIATES CONSULTANTS PRT. LTD.A-2/302, Laram Centre, Opp. Railway Station, Near Bus Depot, Andheri (West),

Mumbai 400 058. Tel.: 42551414, Email Id:- [email protected]

Deemed Conveyance

Verifying property document.

Feasibility report.

Preparing and floating tender.

Guiding society's solicitor in preparing legal

documents.

Guiding society in selecting good builder.

Guiding society for amenities, add area, corpous

fund etc. Verifying various permission like IOD, CC etc.

before vacating the plot. Strict supervision to monitor quality of

construction. Scrutinsing all property paper before handover to

society.

ONLINE INFORMATIONVISIT : www.mswahousing.org / or E- Mail : [email protected]


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Location Address Tel. No.

Fort

Vasai

Mulund


AFFORDABLE HOUSING WELFARE ORGANAISATION OF INDIA

Application No. _____________________

inavaasaI gaaLyaasaazI Aja-Application for allotment of Flat

Aja-daracaa AilakDcyaakaLatIla

PaasapaoT- faoTao

maI KalaI sahI krNaar, yaaojanaa ËmaaMk saazI Aja- krIt Aaho. I, the undersigned, apply for a Affordable housing Scheme at ____________ Code No.__________

Aarixat gaTacao naava marazI va [Mga`jaI marazI [Mga`jaI Reservation of Category daonhI maQyao ilahavao {

{

1. svat:cao naaMva 1. Personal Name

vaDIlaaMcao / ptIcao naaMva Father’s / Husband’s Name

AaDnaaMva Surname

4. janmatarIK va vaya (pUNa- vaYaa-t) 4. Date of Birth & Age (in completed years)

vaYa- years

5. saQyaacaa rahNyaacaa pUNa- p<aa ipnakaoD sahIt 5. Present Residential Complete address along with Pin Code

PIN

6. inavaasa faona : 6. Resi. Tel. No. :

kayaa-laya : Office :

STD Code STD Code Extn.

Mobile No. : E-mail :

7. vyavasaaya SaotI 7. Occupation Agriculture

QaMda Business

naaokrI Service

[tr Other

2. Aja-dar ivavaahIt Aaho kaya? 2. Whether applicant is married

haoya Yes

naahI No

3. ivavaahIt Asalyaasa ptI / p%naIcao naava 3. If married, name of spouse

/ /

ESTD - 2010AHWOIAhava oAa ^[ - AH

WOIAhava oAa ^[ -

AHWOI

Date : _____________________

A/2-302, Laram Center, Near Bus Depot, Opp: Andheri Platform No. 6, Andheri (W), Mumbai- 400 058 Tel: 022-42551414, E-mail: [email protected]

Regd. No.: MAH.STATE/MUMBAI/1720/2010/GBBSD

(Mandatory) (Mandatory)


8. saQyaa rahat Asalaolyaa jaagaocaa tpSaIla : 8. Details about present accommodation :

jaagaa BaaDot%vaavar kI maalakI h@kacaI I. Whether rental or ownership basis

jaagaa BaaDot%vaavar Agar maalakI h@kanao kaoNaacyaa naavao Aaho. II. In whose name the tenancy or ownership stands

9. naaokrI / vyaavasaayaacao sva$p va tpiSala 9. Nature and details of Service / Business / Occupation

maalakacao / vyavasaayaacao naaMva AaiNa p<aa / Name & Address of the employer / Business

10. naaokrI / vyavasaayaa baabatcaa tpiSala 10. Details about service / Business

11. Aja-daracao maagaIla Aaiqa-k vaYaa-cao ]%pnna ( 01.04.2011 to 31.03.2014)11. Financial years income of the applicant (01-04-2011 to 31-03-2014 )

12. Aja-daracyaa Aaiqa-k vaYaa-cao ]%pnna12. Previous Financial years income of the applicants

14. pI.e.ena k`maaMk 14. PAN No.

maI namaUd krtao kI, Ajaa-t idlaolaI maaihtI sa%ya AaiNa ibanacaUk Aaho. malaa yaacaI jaaNaIva Aaho kI, yaa Ajaa-tIla kaoNatIhI maaihtI KaoTI AaZLlyaasa maaJaa Aja- r_baatla zrola. I hereby declare that the information given by me/us in this application form is true and correct. I acknowledge that if the information is noticed to be false, it would result in cancellation of my application.

sqaL : sahIPlace : Signature __________________

idnaaMk : naaMvaDate : Name _______________________

Tip : p`%yaok du$stIcyaa izkaNaI p`itsvaaxarI krNyaat yaavaI. AavaSyak %yaa izkaNaI caaOkTIt ( ) ASaI KuNa kravaI. Mark as ( ) in box wherever necessary

15. KuNa kra 15. Tick the budget.

` in lacs 8 To 12 12 To 18 18 and Above

16. AavaSyak kja- 16. Loan Required

` in lacs 5 To 10 10 To 15 15 and Above

17. kja- maudt 17. Loan Duration

In Years 10 15 20

18. izkaNa 18. Location

ivarar VIRAR

safalao SAPHALE

PaalaGar PALGHAR

baao[-sar BOISAR

19. maagaIla tIna vaYaa-caa ]%pnna kr Barlyaacaa daKlaa 19. Enclosed are Previous 3-years IT Return

Note : Acceptance of Loan Form would not guarantee allotment of flat as it is subject to final approval by the Company.


APPLICATION FORM FOR SUBSCRIPTION FORVASAI TALUKA HOUSING SOCIETIES REVIEW MAGAZINE.

VASAI TALUKA CO-OPERATIVE HOUSING FEDERATION LTD.,

VASAI - 401202th

Regd. No. TNA/VSI/GNL/(O)/1453/2011 dated 25 August 2011.

=========================================================================

Date- / / 2014To,The Hon.Secretary,Vasai Taluka Co-op. Housing Federation Ltd.Swagat Bhavan, Near Indian Oil, Opp. MSEB Colony,Station Road, Vasai Road (E) 401 202.

Sir,

I/We hereby apply for the subscription for the VASAI TALUKA HOUSING SOCIETIES REVIEW MAGAZINE which is published by your Federation.

I/We furnish my/our particulars as below :-

1. Name of the subscriber : ----------------------------------------------------------

2. Address in full details of the subscriber : ---------------------------------------------------------- ---------------------------------------------------------- Pin code -----------------------------------------------3. Land mark to reach up to society/house : ---------------------------------------------------------- ---------------------------------------------------------- 4. E-mail ID : ---------------------------------------------------------- 5. Contact no.: - Mob. No ----------------------- Resident---------------------------- Office-----------------

I/We do apply for the above said magazine for one year at Rs. 199/-for 12 monthly issue. The cheque of Rs. 199/- vide cheque no.-------------dated-----------drawn on ---------------------towards magazine subscription starting from-------,2014 to------,2014 is enclosed herewith in the name of Vasai Taluka Co-op.housing Federation Ltd. Kindly deliver the magazine at the above address. Yours faithfully, Name of the subscriber

====================================================================ACKNOWLEDGEMENT

Received the subscription for VTHF Magazine for one year, starting from ------------, 2014 to ------------, 2014. Reference no. ----------------------

Secretary /Authoritory Vasai Taluka Co-op.Housing Federation Ltd.

FORM OF APPLICATION FOR MEMBERSHIP/And Allotment of the

VASAI TALUKA CO-OPERATIVE HOUSING FEDERATION LTD., VASAI - 401202

th Regd. No. TNA/VSI/GNL/(O)/1453/2011 dated 25 August 2011.

Date: ________________________The Hon. Secretary,Vasai Taluka Co-op Housing Federation Ltd.Vasai. Dist : Thane 401 202.

Sir,

We hereby apply for the membership of the THE VASAI TALUKA COOP. HOUSING FEDERATION LTD.,

and for allotment of Ten shares of Rs. 100/- each. We furnish below following particulars in respects

of our society.

1. Name of the society (in Block Letters) : _______________________________________________________________

_______________________________________________________________

2. Registered Address : _______________________________________________________________

_______________________________________________________________

_______________________________________________________________

3. Registration No. and Date if Registration : _______________________________________________________________

4. Location of Land of building of the Society : _______________________________________________________________

5. Total No. of member in a society : _______________________________________________________________

The Bye-Laws of the Federation have been read by us and agreed to be binding on our society.

A copy of the resolution of the managing Committee of the society in this connection and a cheque of

Rs.1600/- being the value of ten shares of Rs.100/- and Entrance Fee Rs.100/- and annual subscription of

Rs 500/- is enclosed herewith.

Yours faithfully

Chairman / Secretary / Treasurer

Co-op. Housing Society Ltd.


Copy of the Resolution of the Meeting of the Managing Committee of the _____________________________________

Co-op. Housing Society Ltd. ___________________________________ held on______________ .____________________________

_______________________________________________ Resolved that the _________________________________Co-op Housing

Society Ltd ________________________________________________________________________

Do apply to THE VASAI TALUKA CO-OP. HOUSING FEDERATION LTD., VASAI and for allotment of TEN

shares of the Federation of the Value of Rs. 100/- each, in the name of the society.

Further resolved that the Chairman / Secretary of the society be and is hereby authorized to sign the

application for membership of the Federation on behalf of the society and to pay the amount of Rs. 1600/-

towards ten shares of Rs. 100/- each. Entrance Fee of Rs. 100/- and Annul Subscription Expenses of Rs.

500/-..

Proposed By : Shri _____________________________________________________________________________________________

Seconded By : Shri _____________________________________________________________________________________________

Carried Unanimously.

TRUE COPY

Chairman / Secretary Society

Co-op. Housing Society Ltd.

DATA SHEET

Name of the Society : ________________________________________________________________________________

Address of the Society : ________________________________________________________________________________ ________________________________________________________________________________

Land Mark to reach Society : ________________________________________________________________________________

Registration No. : ________________________________________________________________________________

No. of Flat : ____________________ No. of Shops : _____________________________________

Name of the Committee Members :

NameDesignation

Chairman

Secretary

Treasurer

Other

Mobile E-mail-ID


BOOK NO.

COSTPRICE

DIS.PRICETITLE OF THE BOOKS

Deemed Conveyance - English

Deemed Conveyance - Marathi

Recovery of Dues

Practical guide on Stamp Duty

Registration of Documents

Registration of Housing Society

Statutory Obligation of Society

Transfer of Flat

Parking Rules & Regulations

Nomination & Will

Burning Issues

Leave & License

Redevelopment - Preparation

Redevelopment - Tender Process

Redevelopment - Documentation

Associate Member - Rights, Duties

Circular of Housing Societies

Rights and Duties of Members

Managers Manual

Minutes Writing

Secretarial Manual

Sinking Funds

Deemed Conveyance - FAQ

Redevelopment - FAQ

Permanent Alternate Acco. Agreement

Bye - Laws English

Bye - Laws Marathi

Housing Manual - Marathi / English

HSG. Societies FAQ - Marathi / English

BS - 02

BS - 02

BS - 03

BS - 04

BS - 05

BS - 06

BS - 07

BS - 08

BS - 09

BS - 10

BS - 11

BS - 12

BS - 13

BS - 14

BS - 15

BS - 18

BS - 19

BS - 21

BS - 22

BS - 24

BS - 26

BS - 29

FAQ - 02

FAQ - 13

BS - 15A

` 625

` 725

` 200

` 150

` 120

` 120

` 80

` 150

` 150

` 125

` 70

` 100

` 200

` 150

` 200

` 80

` 150

` 120

` 100

` 150

` 100

` 70

` 200

` 120

` 100

` 45

` 35

` 100

` 200

` 500

` 600

` 150

` 120

` 100

` 100

` 60

` 120

` 100

` 100

` 50

` 80

` 150

` 120

` 150

` 50

` 120

` 100

` 80

` 120

` 80

` 50

` 150

` 100

` 80

` 40

` 30

` 100

` 200

AVAILABILITY OF BOOKS -0250- 6457596


35

Registration : The organisation is registered under

Societies Registration Act, 1860 and also Bombay Public Trust Act, 1950, Income Tax Act, 1961.

ivaSaoYa - A jaa mau saa iva 50 ma. . . / .

ËmaaMk

naaoMdNaI p`maaNap~ saMsqaa naaoMdNaI AiQainayama, 1860

(1860 caa AiQainayama 21)

sa%yamaova jayato

yaaWaro Asao p```maaiNat krNyaat yaoto kI,

KalaIla tarKosa saMsqaa naaoMdNaI AiQainayama, 1860 sana 1860 caa AiQainayama 21 Anvayao yaaogyarI%yaa naaoMdNaI krNyaat AalaI

naaoMdNaI ËmaaMk

raojaI maaJyaa sahIinaSaI idlao

saMsqaaMcao sahayak inabaMQak,

ivaBaaga

tarIK RT AS RI G OE FR ST O

N C

A IET TSI IES SS A

sa%yamaova jayato sahayak saMsqaa inabaMQak baRhnmauMba[- ivaBaaga mauMba[-

Postal Registration No. MH/MR/Thane (w)/ 163/ 2013-2015

Posting At : Mumbai Patrika Channel, GPO, Mumbai.

Date of Publication : 15th & 16th of Every Month

Posting Date : 17th & 18th of Every Month

RNI NO. MAHBIL/ 2012/ 48012

VASAI TALUKA CO-OPERATIVE HOUSING FEDERATION LTD.

Swagat Bhavan, Near Indian Oil, Opp. MSEB Colony, Station Road, Vasai (E) 401202 Tel.: 0250-6457585-95 • 0250-2390171/ 2393773/ 74

Editor, Printed, Published & Owned By.: Mr. V. Viswanathan

Printed/ Published at : G-4, C-Wing Radha Kunj CHS Ltd, Anand Nagar, Navghar, Vasai Road (W), Dist. Thane 401202 NUTAN PRINTERS PVT. LTD.

If Undelivered return to

H. O. : A - 2/301, LARAM CENTRE, S.V.ROAD, OPP. RAILWAY STATION, ANDHERI (W), MUMBAI- 58,

Tel.: 022 -42551448/1414 B.O.: Swagat Bhavan, Near Indian Oil, Opp. M. S. E. B. Colony, Vasai (E), Thane - 400 208.

DOUBLE BENEFIT DEPOSIT SCHEME

eturn with Attractive Bonus

11% p.a.

10% +Bonus on Maturity

Minimum Deposit Maximum Deposit

: ` 1000/-: ` 500000/-

Hurry Limited Period Offer

IN 78Months

SALIENT FEATURES OF THE SCHEME:

1. Deposit Rs.1000/-, or multiples thereof for

78 months @ 11% p.a.and get double of the

deposit amount with bonus of 10% on

principal deposit amount on maturity.

2. Depositor can avail 80% Loan against

his/her deposit after 6 months which is

repayable @15% p.a.

3. Premature withdrawal will be allowed on following terms and condition

a) Withdrawal up to 1 year Interest payable @6% p.a.

b) From 1year to 2yrs. Interest payable @7% p.a.

c) From 2yrs. To 3yrs. Interest payable @ 8% p.a.

d) Above 3yrs Interest payable @ 9% p.a.

MSWA METROPOLITAN CO-OPERATIVE CREDIT SOCIETY LTD.

ESTD-2000

CON -A OT PI L CO RP EDOR ITT E SOM C

A . LW TS D

M

(Regd. No. BOM. (W-R)RSP/CR/9175/2000-2001)

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