Monday, July 20, 2026

 


Achal Sampattis - Demand Survey

Achal Sampattis a unit of Yds - Udyam Pratisthaan registered MSME, regularly undertakes and conducts demand surveys to assess and ascertain the viability of any proposed housing, commercial or industrial project or scheme. The demand surveys are primarily conducted to evaluate the feasibility of launching a new project in terms of the availability of land or any upcoming project of a builder or third party.

A Demand Survey for Achal Sampattis (Real Estate) Project is a systematic process used to assess housing and commercial needs in a target market or environment. It helps to identify what property types are in demand by the end users, their preferred locations and budgets, allowing to tailor real estate offerings and acquire the right inventory. 
Implementing a demand survey for real estate project involves a structured, 4-phase approach: 
 
1. Define the Target Market or environment
  • Geographic Focus: Clearly outlines the specific regions in the preferred area (e.g., assessing demand trends across micro-markets like specific city, or across specific regions in a state or the entire country).
  • Demographics: Grouping the local population by income, age, family size, and occupation to understand their unique property needs. 
 
2. Design the Survey
Creating targeted questionnaires for both buyers and sellers. Important data to capture includes: 
  • Property Type & Size: 1 BHK vs. 3 BHK, luxury vs. affordable, plotted land vs. ready-to-move-in or residential vs. commercial and industrial.
  • Budget & Financing: Maximum price per square foot, down payment capabilities, and mortgage status.
  • Amenities & Preferences: Gated communities, proximity to workplaces/schools, and smart-home features. 
 
3. Execution & Data Collection
Gather insights through both Primary Data (direct communication) and Secondary Data (market reports): 
  • Primary Methods: Conducting one-on-one client interviews, distribute online forms via email, and gather feedback during property viewings or open houses.
  • Secondary Methods: Analyzing local listings on portals like Achal Sampattis, Housing, No Broker, Magicbricks or 99acres, and review local government real estate registries. 
 
4. Analysis & Implementation
  • Assess Demand Metrics: Calculating the absorption rate (how fast properties are selling in the targeted area) and determine which price points are most sought-after.
  • Identify Market Gaps: Finding property types that are in high demand but low supply in the targeted area. 
  • Formulate Strategy: Using these insights to decide which upcoming projects to invest in, what land to acquire, and how to price and market your current listings.

Thursday, July 2, 2026

National Pension System (NPS)

  

What is NPS?

The National Pension System (NPS) is a voluntary defined contribution retirement savings scheme. The scheme enables its subscribers to make systematic savings through their working life and create a substantial corpus for their retirement. NPS as a financial instrument helps to inculcate the habit for saving towards retirement income amongst Indian citizens.

NPS was initiated by the Government of India by making it mandatory for all individuals joining Central Government services (except Armed Forces) on or after January 01, 2004. Gradually, NPS was implemented by various state governments for their employees and then NPS was extended to ‘All Citizen of India’ in May, 2009.

In NPS, the contributions made by the subscriber, are pooled in a pension fund which are invested by PFRDA regulated Pension Fund Managers as per approved guidelines. A Subscriber may invest his/ her NPS contribution in any one of the eight Pension Fund Managers (PFMs) empanelled under NPS. All empanelled PFMs under NPS are well known, have long standing credibility and are powerful brands in the financial sector. The fund is invested in a diversified portfolio comprising of Government Bonds, Corporate Debentures and shares. The contributions accumulated in the NPS account grow over a period of time, depending upon the returns on the investments done.

Any individual from 18-65 years of age can join NPS and remain invested till 70. If you are looking for long term investment and your objective is to create sufficient corpus for your post retirement days, the suggested investment option is NPS. Following are some of the few points, which make investing in NPS a smart choice, as far as retirement income is concerned:

1. Customized investment option:

NPS allows you to choose from any one of the Pension Fund Managers (PFMs) appointed by the PFRDA (Pension Regulator) to manage your pension fund.

2. Portability:

One of the core attributes of NPS is portability of NPS account number –Permanent Retirement Account Number (PRAN) - across all sectors and geographies. This implies that you can shift your PRAN from one employer to another and can also continue self-contribution during the period when one is not actively engaged with any employer.

3. Low cost structure:

The account maintenance costs under NPS are the lowest as compared to similar pension products available in India including the retirement plans offered by Insurance companies and mutual funds. While saving for a long-term goal such as retirement, the cost matters a lot. Over a period of 35 to 40 years, the charges can shave off a significant amount from the corpus. The pension wealth accumulation grows over a period of time with a compounding effect. The overall administrative charges being low, the benefit of accumulated pension wealth to the subscriber eventually become large.

4. Unique Tax Benefit:

Any individual who is subscriber of NPS can claim tax deduction up to 10% of gross income under Sec 80 CCD (1) with in the overall ceiling of Rs. 1.5 lac under Sec 80 CCE. Apart from that an additional deduction for the investment up to Rs. 50,000 in NPS (Tier I account) has been exclusively available for NPS under subsection 80CCD (1B). This is over and above the deduction of Rs. 1.5 lakh available under sec 80C of Income Tax Act. 1961.

The aforesaid points distinctly made NPS an exceptional avenue of saving for retirement. NPS provides a unique user experience during this long period - whether it is related to subscriber servicing at various stages of life, demographic details updation, ease of access or any kind of service requests being made in the System. Through the Protean

website one can easily open an NPS account as well as track their investments in this scheme. The company provides a range of services to NPS subscribers such as account management and opening, fund processing, customer service and providing easy pay-out solutions.


Jeevan ki Sachai - Hard truths of life

  

What are hard truths of life

  1. Nobody can love you exactly like your mother.

  2. A poor person has no friends.

  3. People do not like good thoughts. They like good looks.

  4. People respect the money; not the person.

  5. The person you love the most, will hurt you the most.

  6. Truth is simple, but the moment you try to explain it, it becomes difficult.

  7. When you are happy, you enjoy the music, but when you are sad, you enjoy the lyrics.

  8. Two things define you in life—Your patience when you have nothing, and your attitude when you have everything.

  9. People will not remember you for all the good things you’ve done, but they surely won’t forget the few bad things you’ve done.



  1. People often ask you what you do for a living so that they can estimate the level of respect to give you.

  2. People enjoy to watch you suffer because they enjoy seeing your miseries so that they can feel better about themselves.

  3. You can love people, but don’t expect them to love you back. Love can’t be forced.

  4. Although you cannot change the world, the world can listen to your crazy jokes.

  5. You only get stronger by doing hard things.


SUCCESS DEMANDS THESE 6 THINGS

  

SUCCESS DEMANDS THESE 6 THINGS



1. Hard Work

Don't believe in luck, believe in hard work. Stop trying to rush the process or searching for a shortcut. There is none.

2. Patience

If you are losing patience, you are losing the battle. First nothing happens, then it happens slowly and suddenly all at once. Most people gave up at stage one.

3. Sacrifice

you don't sacrifice for what you want, then what you want becomes the sacrifice. Everything has its price. The question is: Are you ready to pay it for the life you desire?

4. Consistency

Consistency is what transforms average into excellence. Without consistency, you will never achieve greater success.

5. Discipline

Motivation gets you going, but discipline keeps you growing. There will be days when you don't "feel" like doing it. You have to push through those days regardless of how you feel.

6. Self Confidence

Confidence is, I'll be fine if they don't like me. There will always be someone judging you for who you are and what you want from life.


Simple Unspoken Rules for Men:

  

Simple Unspoken Rules for Men:



1. Don't make the first offer in a negotiation.

2. Never make the first offer in a negotiation.

3. Dress well no matter the occasion.

4. No one will come to save you. Your life is 100% responsibility.

5. Your inner circle MUST be focused on Money, Success and starting a family.

6. The family you create is more important than the family you come from.

7. Don't take everything too personally.

8. You're a reflection of the 5 people you spend the most time with.

9. Stay silent. Not everything needs to be said.

10. If you are not invited don't go.

11. Protect who's behind you and respect who is beside you.

12. Don't beg for a relationship.

13. Never pose with alcohol.

14. Be honest.

15. If you work on yourself you don't struggle.

Monday, June 29, 2026

Camellia Garden in Bhiwadi

 

Camellia Garden in Bhiwadi is generally reviewed as a peaceful, green, and affordable residential society located on the Alwar Bypass Road. Residents appreciate its strong community feel, well-maintained parks, and accessible amenities, though some have raised concerns about occasional heavy traffic and the area's ongoing infrastructure development. 
Key Highlights from Resident Reviews
Pros:
  • Green & Peaceful: The society features ample green spaces and parks, offering a pleasant and naturally lit living environment. 
  • Modern Amenities: Residents have access to facilities like a swimming pool, fully equipped gymnasium, children's play area, and an active clubhouse. 
  • Convenient Location: Situated on the Alwar-Bhiwadi Road, it allows for easy commuting to Delhi and Gurgaon. Schools, colleges, and markets are located nearby. 
  • Affordability: Both rent and property prices in the complex are considered highly budget-friendly. 
Cons:
  • Traffic & Tolls: Commuters frequently mention the toll plaza causing traffic jams during peak hours.
  • Maintenance & Infrastructure: Some reviews highlight occasional management issues and point to the need for localized improvements in drainage and recreational facilities.
  • Dust & Pollution: Due to regional development, dust pollution can be a temporary nuisance in the broader area. 
Property & Investment Insights
The property offers spacious multi-story apartments (mostly 2 BHK layouts). The developer is M Tech Developers, and while the project experienced some turbulence in previous years, current buyers and tenants generally find the investment to be safe and the apartments highly livable. 

Chandrapura Chandor

 

Chandor, known in ancient times as Chandrapura, is one of Goa's most historically significant sites. Located in South Goa along the Kushavati River, it served as the fortified seat of power for multiple early dynasties. 
Today, all that remains of the ancient fortress are a few sections of external walls and archaeological relics. The history of Chandor Fort spans several key eras: 
1. The Early Dynasties (Bhojas and Mauryas)
  • Origins: Archaeological evidence, including Satavahana-era pottery dating back to 200 BCE, suggests the area was inhabited long before the better-known empires took over.
  • The Bhojas: Chandrapura served as the prominent capital of the Bhoja kings, who ruled from the 4th century CE. 
2. The Kadamba Era (6th to 14th Century)
  • Seat of Power: The Kadamba dynasty established Chandrapura as their capital, turning it into a prosperous center of trade, Hindu culture, and commerce. 
  • Shiva Temple & Nandi: During this time, they built a grand Shiva temple. Today, visitors can still see remnants of the temple alongside a headless, 11th-century statue of the sacred bull, Nandi. 
  • Destruction: After attacks by Muslim invaders in 1312 and subsequent sacks in 1327, the Kadambas eventually relocated their capital. 
3. The Portuguese Period (16th Century Onward)
  • Decline: When the Portuguese arrived in the 16th century, they shifted their primary capital and trading hub north to Ela (Old Goa). 
  • Religious Conversion: The Portuguese subsequently destroyed many of the original Hindu structures and temples, and many local families converted to Roman Catholicism. 
  • Colonial Mansions: To reward converted families, the Portuguese granted them trade rights, leading to the construction of grand mansions. The Menezes Braganza House and the Fernandes Heritage House still stand today as towering examples of Portuguese-Goan architecture. 
4. The Legend of the Queen's Curse
  • The Suicide: Local folklore recounts a tragic battle in which local residents failed to defend their king against invaders. The queen, enraged by her subjects' cowardice, committed suicide.
  • The Curse: Before dying, she stamped her footprint onto a stone and cursed the village, pronouncing that all its women would become widows. This stone footprint is still preserved in Chandor today.