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May 2014 VOL.03 Issue 02
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Price : ` 25/-
VASAI TALUKA HOUSING SOCIETIES REVIEW
“MSWA Branch office “at Thane Ghodbunder Road.
Website: www.mswahousing.org / E-mail : [email protected]
Branch Office : Branch, Sharayu Prakashan, 40 TMC Punarvasan, MSWANear Parijat Gardan Society, Kasar Vadavali, Ghodbunder Road, Thane (W) - 400 615
Tel.: 022 2597 0898 / Mobile : 9967357415
Dr. C. D. AshitikarBranch Chairman
Mr. Rajendra DeshpandeBranch Secretary
MAHARASHTRA SOCIETIES WELFARE ASSOCIATION (R)
HELP LINE 022 - 2597 0898
FOR ALL HOUSING SOCIETIES PROBLEMS
ALL HOUSING SOCIETIES STATIONARY, FORMS & PUBLICATIONS OF MSWA
AVAILABLE HERE
QUALI
TY
MANAGEMENT
SYSTEM
QMSISO9001
ISPLSystemCert
AN ISO 9001 CERTIFIED COMPANY
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 May 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,
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-401202Contact Person.
MR.NILESH SINGH - 7666001099/9920601099/7718881801
MR.PANKAJ CHAUHAN - 7757856885/7718881808
MR.CHETAN GAONKAR - 7757856884/771881807
OFFICE -NO - 7718881803/0250-6065655/6055655
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 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
10
12
14
16
Vasai Taluka Housing Societies Review 04 May 2014
[kftunkj
Jh- lafni okfy;k
Dear Readers,
World's biggest democratic process is over and by the
time you receive this magazine the mandate would be
out as to who will form the Government. We hope all
citizen of Vasai Taluka voted without fail judiciously.
After the circular on unsold flats the government has
come out with a circular dated 4/4/14 on parking area,
society office, pump rooms and such other constructions done by the
society is not chargable to stamp duty. The circular is made available on
the website of your federation and also printed in this magazine.
The government has taken initiative to get the online application for
Deemed Conveyance. The detail of the same is given elsewhere in the
magazine. 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. Occupancy certificate today is a must for all
the buildings without which getting loan is difficult. The resident
municipality would charge you additional charges for water and property
tax. The Thane Municipal Corporation (TMC) has come out with an Abhay
Yojana for obtaining Occupancy Certificate (OC). You can go through the
same. Your federation is going to urge the VVCMC to come out with similar
scheme for Vasai Taluka too. Because of poor response to the Deemed
Conveyance, the Honorable Chief Minister has extended the special drive ston Deemed Conveyance till 31 December 2014. All the requested to avail
the benefit and get the conveyance of their society. You must be availing
the benefits 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
This is my first editorial as a treasurer of the federation, in this respect
your valuable inputs are invited at [email protected] /
[email protected]. Those who are yet to become the
member of the federation are requested to apply as soon as possible to get
the benefit of the free monthly magazine.
Happy Reading !
Bk.ks egkuxjikfydsph vfHkuo vHk; ;kstuk
ekuho [kjsnh[krkps izdj.kh tkxsps ewY;kadu djrkuk fopkjkr ?;ko;kP;k ckcha
dUOgsal dj.ks vR;ar xjtsps
YOU WON'T HAVE TO PAY STAMP DUTY.......
----------rj fcYMjyk jkst # 500 naM
Vasai Taluka Housing Societies Review 05 May 2014
Name of the Redevelopment Project Coordinator is as Follows :
Mr. S. R. Desai - 9820687418
LALIT & ASSOCIATES Architects , Civil/Structural Engineers , Valuer & Project Consultants
Mr. Lalit Kumar Jha - B.E (Civil), Proprietor
Regd /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 :- C-70, Shanti Shopping Centre, Near Railway Station, Mira Road (E), Dist. Thane – 401 107
CARMELEDUCATIONAL GROUP
QUALITY EDUCATION
Since 1994
With Best Compliments From,
Vasai (W)
Vasai Taluka Housing Societies Review 06 May 2014
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Vasai Taluka Housing Societies Review 07 May 2014
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
Vasai Taluka Housing Societies Review 08 May 2014
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Vasai Taluka Housing Societies Review 10 May 2014
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Vasai Taluka Housing Societies Review 11 May 2014
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Vasai Taluka Housing Societies Review 12 May 2014
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Suresh Naik
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Vasai Taluka Housing Societies Review 14 May 2014
YOU WON'T HAVE TO PAYSTAMP DUTY FOR CONVEYANCE DEEDRecent state government GR also waives off stamp duty on unsold flats
In a move likely to benefit 3,000 societies which have got Deemed Conveyance recently, the state government has relaxed the payment of stamp duty charged for the plot from societies which conveying it to them. Conveyance is the ownership right to the building and he plot on which the structure is built. For years, societies had to pay 5% as stamp duty for the land when it got conveyed. It was charged for 40% of the total area, according to the ready reckoner rate. However, the state GR has waived off the amount.
“The relief is in the range of Rs.15-25 lakh. It means a lot to middle-class people, who would have had to shell out such a huge amount for their rights.” Said Francica D'souza, secretary, Pearl Heaven Cooperative Housing Society in Vikroli. The building, which was constructed in 1981, got ownership of the land after a long fight and judicial intervention.
Ramesh Prabhu, chairman, Maharashtra Societies Welfare Association (MSWA), said the waiver will benefit lakhs of flat owners. “People invest their lifelong savings to buy a house, after which they had to pay the stamp duty. This was an unnecessary burden on people, which has been taken off by the government ,” said Prabhu. With most builders unwilling to pass the legal rights of the plot, the state government initiated the concept of deemed conveyance to ensure faster transfer of land.
The Maharashtra Ownership Flats Act ( MOFA), too, was amended in which the builder had to convey the land within four months after the formaFor years, flat owners had to pay 5% as stamp duty for the plot when it got conveyed. However, the process has been moving at a slow pace because of various hurdles. The state has also waived off the stamp duty on unsold flats, where the society had to bear the expenses while conveying the land.
Source - Hindustan Times
Vasai Taluka Housing Societies Review 15 May 2014
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Vasai Taluka Housing Societies Review 16 May 2014
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Vasai Taluka Housing Societies Review 17 May 2014
ONLINE INFORMATION AND DEEMED CONVEYANCE DRIVEHon. Secretary/ Hon. Chairman,
With reference to above, the Co-operative
Department has made it compulsory for every
society to submit the details of the society on the
Government Website. Further, the deemed
conveyance application is also required to be filled
through the Online. The Government has extended stthe Deemed Conveyance drive till 31 December,
2014.
In order to facilitate both the initiative of
Government and also to help the housing societies
in achieving the required goal, your Federation has
engaged the service of Federation Representative
who will visit your society , guide you and if
required offer the required services.
The Deemed Conveyance is a very good step in
acquiring the land and building in the name of the
society. The Competent Authority (District Deputy
Registrar) steps into the shoes of the developer and
land owner and executes the conveyance deed in
favour of the society. You will get the following
advantages, if you acquire the deemed conveyance
at the earliest:
(1) You will become the owner of the land. As per
the new law (Maharashtra Housing
(Regulation and Development) Act, 2012) to
be effective mostly in the next year, in a layout
of more than 2000 Sq. Meters, you will get
conveyance of only structure and conveyance
of land will be given only after the entire
complex is fully developed and conveyance of
land will be given in the name of the
Federation.
(2) The stamp duty for documents prior to
10.12.1985, if the proper proof of residence is
given, the stamp duty at old value will be
charged at the time of conveyance.
(3) Stamp duty on the land which otherwise
would have been charged on 40% of the land
as per ready reckoner has been stayed for
deemed conveyance.
(4) Registration fees to be charged at the rate of
1% of the market value of the entire property
has been temporarily stayed. The same may be
implemented once the elections are over.
(5) The government is planning to introduce the
system of charging stamp duty on all the flats
as per the current market value at the time of
conveyance and stamp duty paid earlier on the
agreement will be given credit. Now the stamp
duty on conveyance as on today is only
Rs.100/-, if all the flat owners pay their stamp
duty on their agreement and no stamp duty for
land or differential value is charged.
(6) High Court and Supreme Courts have
confirmed the deemed conveyance execution
by the Competent Authority.
(7) Even if the matter is pending before the
Consumer Court, the deemed conveyance
application is possible and the same has been
confirmed by the Hon'ble High Court.
(8) In order to take the benefit of increase in FSI/
use of TDR, conveyance of land and building is
very much required. No redevelopment is
possible without conveyance.
We have appointed our representative to visit your
society. You may contact to Mr. Pawar at association
office on 0250-6457596 for more details and also
to invite our representative your society to speak to
your society members on any day suitable to you.
Thanking you
(CA.Ramesh Prabhu)
Hon. Chairman.
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• New Law & Bye - Laws
• Govt. Act & Regulation
Please Visit on
www.vasaihousingfederation.com
Vasai Taluka Housing Societies Review 18 May 2014
Field Executive Mr./Mrs. ________________________________________________________________________________________
Online Registration By __________________________________________________________________________________________
Society Registration Details
Registration Details
Registration Number : * 1. Registration Date : *
Society Basic Details
Society Type
Society Name
Society Class
3.
5.
6.
4.: *
: *
: *
Housing Society Society Code :
Address of Society during Registration
Address
Road / Street
Near / Opposite
District
Taluka
Village/City
Pincode
7.
8.
9.
10.
11.
12.
13.
ONLINE SOCIETY REGISTRATION FORM
: *
: *
: *
: *
: *
: *
: *
Present Address of Society
Address
Road / Street
Near / Opposite
District
Taluka
Village/City
Pincode
14.
15.
16.
17.
18.
19.
20.
: *
: *
: *
: *
: *
: *
: *
2.
VASAI TALUKA CO-OPERATIVE HOUSING FEDERATION LTD.Swagat Bhavan, Near Indian Oil, Opp. MSEB Colony, Station Rd, Vasai (E), Thane 401 202
Tel.: 0250-6457585 -95 / 0250 – 2390171 / 2393773/74
Vasai Taluka Housing Societies Review 19 May 2014
Name of Chairman
Tel. / Mobile No./ E-mail
Name of Secretary
Tel. / Mobile No./ E-mail
Name of Treasurer
Tel. / Mobile No./ E-mail
Name of Manager
Tel. / Mobile No./ E-mail
Name of Liquidator
Tel. / Mobile No./ E-mail
No. of Committee Members
Tenure of the Managing
Committee (Months)
Last Audit Date
Audit Class
( as PerLast Audit )
Upload Society Registration Certificate : *
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
41.
44.
46.
47.
:
:
:
:
:
:
:
:
:
:
:
: *
: *
Society Management Profile
Last Election Date
Last AGM Date
Audit Year
Paid of Share Capital
: *
:
: *
: *
Other Contact Details
E-mail Address
Landlline
21.
22.
: *
:
40.
42.
43.
45.
Society Members Profile
Jurisdiction
No. of Active Members
No of Units
24.
26.
28.
:
:
:
No of Members
No. of Domant Members
25.
27.
(Applicable only in case of Housing)
(as Per Last Audited Balance Sheet)
Upload
Note : 1. * Mandatory for Update
2. Society Compulsory Upload Scanned Society Registration Certificate Document Here.
3. Society Code - 6405 4. Society Class - Below 100 Members - ‘C’ Class & Above 100 Members - ‘B’ Class
23. Mobile No.: *
Flat No.:*
Flat No.:*
Flat No.:*
Flat No.:*
Vasai Taluka Housing Societies Review 20 May 2014
Other Society Details
Whether Society has got Conveyance? Yes No
Yes No Is the Society Interested in Redevelopment?
If so when : 6 Months 1 Year 2 Year
Yes NoWhether society has appointed any Builder
Details ______________________________________________________________________ _______________
___________________________________________________________________________________________
Whether society Knows Self Redevelopment? Yes No
Yes NoWhether society has appointed any PMC
Details ______________________________________________________________________ _______________
___________________________________________________________________________________________
Whether society is Federation Member Yes No
If Yes, Membership Number
Whether society Intends to be a Federation Member Yes No
We Need Guideline in the Following Matter
____________________________________________________________________________ _______________
___________________________________________________________________________________________
1.
2.
3.
4.
5.
6.
7.
8.
Note.: On receipt of this form we shall facilitate you to Registered your name on the co-operative societies
department website free of the cost.
Note.: Please Fill this Form & Call our Association on 2390171 to Collect & to register on the Govt. Website
Chairman/Secretary
Signature
Seal
Vasai Taluka Housing Societies Review 22 May 2014
NO CONVEYANCE TRANSFER, SOC OWNER OF LAND: HCShibu Thomas TNN
Mumbai: The Bombay high court has disallowed
transferring conveyance of a part of a plot on which
a housing society stands for redevelopment, saying
the society is the owner of the land.
In 1984, the Ashadeep housing society came up on a
Bandra plot owned by Paresh Associates. The
agreement with the builder said the remaining area
of the plot will be leased to Paresh Associates, who
Shibu Thomas TNN
Mumbai: Three decades after a building came up on
a portion of a land in the city, the bid by its owner to
convey the property to another firm for developing
another part of the plot has come under the scanner
of the Bombay high court. In an interim order,
Justice Roshan Dalvi restrained the developers
from constructing or redeveloping the plot except
an area of 324 sq m, which has two outhouses.
The judge also directed the firm that it would not
create any third party rights on the property except
allowing the existing tenants of the two outhouses
to reside there. “(The firms) seek to put up
construction far in excess of the area of the two old
structures (outhouses). They seek to utilize the FSI
of the entire plot of land, which belongs to the
society. They also seek to load TDR upon the new
construction. This they cannot do. The society has
rightly sought to restrain such construction,” the
judge said.
The dispute relates to a plot of land in Bandra
spread over 1,310 sq m owned by Paresh
Associates. In 1984, a building was constructed by
demolishing an old structure. Another portion of
the land, which had two outhouses with five
tenants, did not opt for redevelopment. The new
flat owners in the main building formed Ashadeep
will have to become a member of the society.
The society never got conveyance from the owner,
who, meanwhile, signed a deal with another builder
to transfer conveyance of the land for developing
the remaining land. The HC said the society was
“deemed to have been conveyed the entire property
under Section 11 of the MOFA (Maharashtra
Ownership Flats Act, 1963)” and was the only
owner of the land.
DEVELOPER CAN'T TRANSFER BLDG CONVEYANCE TO ANOTHER FIRM, SOCIETY IS REAL OWNER: HC
housing society and the
agreement with the builder
specified that the land
beneath the two outhouses
will be leased to the
Paresh Associates,
who will have to
become a member
of the society.
Since 2008 the society has sought conveyance of
the property and has even filed a case to seek its
rights. The judge observed that the society was
“deemed to have been conveyed the entire property
within the statutory period under Section 11 of the
MOFA (Maharashtra Ownership Flats Act). The fact
that a part of the construction of the two outhouses
remained would not make a difference to the
entitlement of the society in law”.
The court said the society was the only owner of
the land. “The benefits of ownership cannot,
therefore, accrue to (Paresh Associates). It cannot,
therefore, convey any part of the plot of land under
any agreement or indenture,” said the judge listing
the original suit for hearing on June 11.
Source : Times of India
Detail Judgment Available our Website:
www.vasaihousingfederation.com
Vasai Taluka Housing Societies Review 23 May 2014
`
1. Ultra Sonic Pulse Velocity for Concrete strength, uniformity, crack depth etc 2. Rebound Hammer test for concrete strength. 3. Moisture Testing instrument for leakage/seepage detection
Specialist in as follows with 10 years experience & done more than 150 bldgs structural audits a) STRUCTURAL AUDIT BY NDT & DETAIL SURVEY b) PROJECT MANAGEMENT CONSULTANTS for Redevelopment of existing society building i.e Feasibility Report,
Tender Making, Selection of Developer ,Quality control of site up to possession. c) Repairs &Restoration with advance technology of polymer treatment and 5 to 10 years warranty for repair &
waterproofing etc. d) Liasoning with BMC & other Govt dept etc.e) Deemed Conveyance
Contact : ARVIND U .SINGH (BMC Registered Structural Engineer licence no:STR/229/S )
OFFICE : Gandhi Nagar Samadhan CHSL., Bldg no 45, Room no 2233, next to Mhada office, Bandra East , Mumbai - 51. . Tel-022-65210232, 65345001, Mob:9820993481 Email:[email protected] more details : www.arvindsinghconsultants.com
ARVIND SINGH CONSULTANTSCONSULTING STRUCTURAL ENGINEER, ARCHITECT & PROJECT MANAGEMENT CONSULTANT.
WITH OWN NDT EQUIPMENTSNON DESTRUCTIVE TESTING. (NDT)
REPAIRING(23 YEARS EXPERIENCE )
REDEVELOPMENT(18 YEARS EXPERIENCE AS PMC )
Structural Audit as per BMC norms.
Detailed Cost estimate.
Preparing Tender documents.
Guiding Society in selection of contractor.
Day to day supervision.
Certification of bills.
Stability Certificate.
OTHER SERVICES
Installation of lift.
Stack car parking.
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.
H.O.:- 4, 1st floor, Chandrakant Apt., Opp. Hanuman Mandir, Shreyas Colony, Goregaon (E), Mumbai - 63., Tel Nos.:- 9322255108, 9930344006, 9930999312, 29272735 / 29272382, E-mail :- [email protected]
Vasai Taluka Housing Societies Review 24 May 2014
TIME SCHEDULE AND ACTIVITIES TO BE DONE TO OBTAIN THE DEEMED CONVEYANCE ORDER, REGISTRATION THEREOF.Lot of queries are received by our association about the time schedule to get the deemed conveyance order. There is fear that the same will take at least 2 or 3 years. As per the experience of our consultants, deemed conveyance order can be expected in six months from the date of making the application to competent Authority. In order to have detailed activities to be done from the date of appointing an authorized person to do the conveyance application till obtaining the order has been listed as under. One can also expediate the process wherever possible.
STEPS AND PROCEDURES FOR Obtaining the Deemed Conveyance Order
Activity No.
Particulars Days to required
Responsibility
1 Issue of Appointment Letter and execution of Service Level Agreement between Vasant Sarita and Prabhu Associates and issue Power of Attorney to apply to different Department to represent the society ( Draft is attached as Annexure-1)
0+1 Society
2
Fill up the online information of the society on the Govt website
1+3
Society+
Consultant
3
Get the validation of On Line Information from the Deputy Registrar of the Ward
4+7
Consultant
4
Apply to Different Department to obtain Documents required to submit the application under Deemed Conveyance ( List of the department / Documents that will be applied and required time schedule is given in the annexure -2)
11+35
Consultant
5
Draft Application for Deemed Conveyance to be submitted to the Society for their approval
46+3
consultant
6
Approval of the application to be confirmed by the Authorised person appointed by the society by email (if possible by taking a Committee meeting and giving such resolution of approval of the Draft)
49+3
consultant
7
Preparation of final Application with all Annexure for final Signature of the Society
51+2
consultant
8
Application Before the Competent Authority with all the annexure
duly signed by the society to be handed over
to us
53+3
society
9
Apply through the Portal of Govt-
On line
56+3
10
Apply to the Competent Authority on the next working day once the final application duly signed by office bearers and updated online in the Govt website.
59+1
consultant
Vasai Taluka Housing Societies Review 25 May 2014
11 Scrutiny to be done by the Department- Time permitted by the Law is 30 days to the department.
60+27 Dept+ consultant
12 Receiving the Form No.IX about the additional documents required to process the application
87+1 consultant
13 Comply with the queries raised by the department and get pray to admit the application and start the hearing by issuing notice to the opponents – Time given by the department in this case is 15 days
88+15 Dept+ consultant
14 Issue of Hearing Notice – Normal time taken is 7 working days
103+7 Dept+ consultant
15 1st Hearing fixed between 15 to 21 days later 110+21 Dept+
consultant
16 Hearings, Written Submission, Adjournments, Attending Hearing, Inspection of Documents by opponents, spot verification by the officers of the Department etc.
( This normally takes 3 to 4 months- Depending on other side excuses, prayer etc) – As per the law, 6 months time is given to the Competent Authority to complete the hearing from the date of admission of the application
131+120 Dept+
society+
Opponents+
consultant
17 Oral Arguments before Competent authority and get the file closed for order with a liberty file written notes of arguments in next 15 days.
251+15 Dept+
society+
Opponents+
consultant
18 Preparation of final Arguments by us and submit to the society for their approval and signature
266+7 Society and consultant
19 The approval of the Final Argument by the society along with duly signed notes of argument to be received by us
273+7 society
20 Intimation about the finalization of order and raise the demand for balance payment of fees
Consultant
21 Obtaining the necessary Order from the Competent Authority – Normally 2 months is taken by the Authority .
266+60 Dept+
consultant
22 Hand over the Deemed Conveyance order to the Society
326+1 consultant
23 Grace period / buffer for any delay at any of the above stages
327+38 Dept+society+Opponents
+consultant
Vasai Taluka Housing Societies Review 26 May 2014
In case, the opponents/ respondents file separate case against the society at different courts or the society decides to file the cases in other courts like Consumer Court or Civil Court or Criminal Court for Conveyance or any other related issues etc, there can be further delay in the process.
In case, to get certain documents, if Right to Information (RTI) appeal has to be filed before the first and second appeal authority, there can be further delay. However to obtain the total deemed conveyance order, from the date of decision any society should be able to get the same in one year time.
After obtaining the deemed conveyance order, the societies are required to prepare the conveyance deed, get the same approved in the Special General Body meeting and submit to the Competent Authority for his approval and then pay the required stamp duty and get the same registered with the sub-registrar. The entire line of action and the activities to be done is given hereunder. The total time taken for this process can be nearly six months, if all the members co-operate. In case of any delay or non-co-operation from the members, the time schedule may accordingly increase. Therefore, once the decision to go for conveyance is done, necessary information to be given to the members to give the agreement copies, stamp duty proof and registration receipts.
STEPS AND PROCEDURES FOR Adjudication of the conveyance deed and payment of stamp duty and registration
Activity No.
Particulars Days to required
Resposibility
Remarks
1 Preparation of the conveyance deed after obtaining the Order
0+7 Consultant
2 Approval of the Conveyance deed by calling a Special General Body meeting and authorizing the Committee to execute the same.
7+15 Society
3 Obtaining the duly approved conveyance deed along with copy of the General Body resolution of approving the same.
22+1 society
4 Apply to the Adjudication department by notarizing all the documents
23+7 consultant
5 The department to Scrutinize all the 98 agreements and issue requirements to claim the reduction in the stamp duty of any individual flat owners/ Members
30+30 Dept+ consultant
6 Society to collect the documents from the individual flat purchasers or from the society and Submit the documents to us and pay expert fees cheque.
60+7 society
7 Get the Final Demand notice issued for the deficit in stamp duty, if any
67+30 Dept+ consultant
8 Payment of deficit duty by the society 97+3
For Deemed Conveyance Judgment & for Queries Please logon to www.vasaihousingfederation.com
Vasai Taluka Housing Societies Review 27 May 2014
9 Prepare the challan and make the payment
to the Department by online and collect the challan for payment made ( As the cheque paid by the society should get cleared.)
100+7 Consultant
10 Submit the duly paid challen to the dept for certifying the conveyance deed.
107+1 Consultant
11 Obtain the duly certified about the payment of stamp duty on conveyance deed.
108+15 Dept+ consultant
12 Apply to the Competent Authority for execution of the conveyance deed and also forward a letter to the sub-registrar to register the conveyance deed.
123+15 Dept+ Consultant
13 Submit the duly stamped conveyance deed along with DDR letter to sub-registrar
duly
signed by the Society
138+1 Consultant
14
Issue of Notice to land owners/Builder by the sub-registrar to verify, if any stay is granted on the deemed conveyance deed on the writ petition, if any filed by them.
139+30
Dept+
Consultant
15
Payment of Registration fees by the society
along with expert fees cheques
169+7
Society
16
Registration of Conveyance deed
and obtain the INDEX II from the department
176+4
Consultant.
Remember you need to have extraordinary patience to procure any document that is to be retrieved from a government office. To start with the procedural work for procuring the conveyance in your favour, you are requested to issue a letter confirming our appointment for the said job..
In case of any delay from the department in processing the same, the consultant and the society should send reminder letters and follow up to get the same completed at the earliest. There may be need of another grace period of 6 months. Please note that none of the consultants or the society interested in delaying the work. However, the opponents take out the various reasons to delay the same and also some time department because of heavy work or shortage of staff.
The changes in the property card can be done only after completion of the registration of conveyance deed and obtaining the index II of the document..
Therefore, the consultant and the societies should be alert in meeting the time schedule and completing each activities.
If you require any further clarification on this topic, please feel free to call to the association office on 6457596 or send the email on [email protected] on any working days between 10am to 7pm, assuring you of our best service all the time.
• Sign up for our free Monthly
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• New Law & Bye - Laws
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Please Visit on
www.vasaihousingfederation.com
Vasai Taluka Housing Societies Review 28 May 2014
AN ASSOCIATED MEMBERS CAN CONTEST ELECTION FOR
THE POST OF CHAIRMAN, SECRETARY OR THE TREASURER OF THE SOCIETY
Most of the Societies are confused on the question
that “Whether an Associate member can contest
election for the post of Chairman, Secretary or the
Treasurer of the Society or not. To understand this,
we require to know who are the Associate
members and what are their rights. According to
Section 2(19)(b) of the M. C. S. Act 1960,
“Associate member” means a member who holds
jointly a share of a society with others, but whose
name does not stand first in the share
certificate.
Further As per Bye Law 19(B) an individual, a
firm, a company or a body corporate, registered
under any law for time being in force, who/which is
eligible to be an associate member and who/which
has made an application in the prescribed form for
such membership, along with the entrance fee of
Rs.100/- may be admitted as such member by the
committee.
Therefore the person whose name stands second
or onwards in the share certificate either by way of
joint ownership or by the provision illustrated in
bye-law no. 19 (B) is an associate member.
Now if we see Sec. 27(2) of the MCS Act which
regulates the voting rights of the Associate
members, states that:
“Where a share of a society is held jointly by more
than one person, the person whose name stands
first in the share certificate, if present, shall have
the right to vote, But in the absence the person
whose name stands next, and likewise, in the
absence of the preceding persons the person
whose name is next on the share certificate, who is
present and who is not a minor, shall have the right
to vote.”
It clearly illustrates that an Associate member can
vote in the absence of the first/original member. In
other words, once society has
admitted a person as associate
member or has added his name
to share certificate, he/she can
stand for elections. This is
further confirmed by the
G o v e r n m e n t t h r o u g h a
rect i f icat ion letter dated
12.06.2007.
Further as per the definition given in section 2 of
MCS Act, 1960, the term “Members”, includes the
Associate Member. Therefore all the rights of the
member can be exercised by the associate member
also.
It is to be noted that to make the associate member
eligible to vote or contest the election, the first
member (member whose name stands first in the
share certificate) has to submit NOC and
undertaking, stating that he/she does not intend to
participate in the election and he/she have no
objection if associate member contesting the
election.
Earlier in the Housing Manual, which was issued on
15.10.2011, two types of Associate members were
defined- one who is a joint owner and becomes the
associate member and another who become
associate member by paying Rs. 100/- fee but who
is not a joint owner. Further it was mentioned that
“Associate Members cannot contest election of
Managing Committee if the Associate member is
not the joint owner of the flats”.
However, this created lot of problem and confusion
for the Co-operative Housing Society. Lots of
complaints of the Society was received and
accordingly Co-operation, Marketing and Textile
Industries Department had issued the circular
dated 28.11.2013 where it is mentioned that
“Taking into consideration the possibility that due
to such provision (made in the Housing Manual)
Adv. Runal Falcao
Vasai Taluka Housing Societies Review 29 May 2014
there would be disputes and confusion between
the members of a Society and its Managing
Committee and that the number of complaints in
this regard would increase, approval of the
Government is hereby granted to exclude/delete
from the Housing Manual the provision made
therein in respect of Associate member viz.
“A person who becomes an Associate/Joint
Member only by paying an entrance fee will not get
any right to vote or election on behalf of the said
member and in order to hold shares jointly, it is
necessary that the Associate/Joint Member must
have his share/name in the ownership of the
property”.
The same was confirmed by the circular dated
03.12.2013 issued by Deputy Registrar Co-
operative Societies, 'D' Ward, Mumbai, Malhotra thHouse, 6 Floor, Opp. G.P.O., Fort, Mumbai- 400001
and all the Government authorities i.e. Registrars,
public at large and federations were directed to act
accordingly. Another reconfirmation circular dated
24.12.2013 was issued by Office of the
Commissioner, Co-operation and Registrar, Co-
operative Societies, Maharashtra State, Pune about
deletion of the said insertion.
By this way Government of Maharashtra has
deleted the provision of defying two types of
Associate members when MCS Act, 1960 does not
have such classification and now it is Cristal clear
that an Associate member can contest the election
even for the post of Chairman, Secretary or
Treasurer.
For Detail Associates Members Circular & for Queries Please logon to www.vasaihousingfederation.com
All the working of the Co-operative Housing Society is managed by the Managing Committee. The members of the Society elect/select the managing committee member amongst themselves. A well managed Co-operative Housing Society is a reflection of the Efficient Managing Committee. The Committee is the apex body which has diverse powers and functions in accordance with the byelaws of the society. The Managing Committee is expected to work for the benefit of the members of the society.
But many of times, for one or other reasons, the Committee or the Society does not function properly according to the desired lines. In such situations, any aggrieved member can make a complaint to the Registrar to appoint member/s of the Society to be appointed as a committee member or to appoint authorised officer to manage the affairs of the Society under sec. 77 A of the Maharashtra Co-operative Societies Act, 1960. Sec. 77 A enumerates in detail, the grounds on which an application for such appointment can be made by the member to the Registrar.
Where a post/s of committee member/s is vacant due to resignation of the committee member/s, the
LETTER TO THE REGISTRAR TO APPOINT AN ADMINISTRATIVE BOARDIF THE MAXIMUM MEMBERS WANT TO RESIGN FROM THE COMMITTEE.
Registrar may by an order, appoint a member/s of the Society to be the member/s of the Committee to fill that vacancy. Where the entire Committee ceased to be function, then the Registrar after being satisfied, may by an order, appoint a committee, consisting of not more than three member/s of the Society or one or more authorised officer (who need not to be a member of the society) to manage the affairs of the Society. Section 77 A further states that before making such order of appointment, the Registrar shall publish a notice on the notice board of the Society, inviting objections and suggestions. This is to be noted that the members of the Society can make application to the Registrar to appoint a committee of 3 members among the Society members who have willingness to work as an Administrative Board Member. But these 3 members should not be the defaulters and/or no case should be file/charge against them.
By this way, Section 77 A of MCS Act, 1960, provides a right to members of the housing co-operative society, to make an application to the Registrar to appoint an Administrative Board Member consisting of society members only or to appoint Authorised Officer to manage the working of the Society.
Vasai Taluka Housing Societies Review 30 May 2014
79A DIRECTIONS FOR FILING ANNUAL RETURNS ETC. GIVE IN ENGLISH AND MARATHI
79A DIRECTIONS Circular Available Our Association Office
or Logon to www.vasaihousingfederation.com
Circular - Dated – 16.12.2013
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 financial 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
Officer.
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 _________ & Affidavit 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:
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dye 79 ¼1A) o dye uqlkj fooj.ki=s lknj dj.ksckcr [kkyhyizek.ks lqpuk fuxZfer dj.;kr ;sr vkgsr-
Vasai Taluka Housing Societies Review 31 May 2014
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.
Vasai Taluka Housing Societies Review 32 May 2014
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
Vasai Taluka Housing Societies Review 33 May 2014
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
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` 725
` 200
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` 120
` 120
` 80
` 150
` 150
` 125
` 70
` 100
` 200
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` 200
` 80
` 150
` 120
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` 45
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AVAILABILITY OF BOOKS -0250- 6457596
Vasai Taluka Housing Societies Review 34 May 2014
35
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Date of Publication : 15th & 16th of Every Month
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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)