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3/12/24, 3:43 PM Gmail - Refund of Pre EMI interest
bhavna maniar <maniar.bhavna24@gmail.com> 22 February 2023 at 07:03

To: Umesh Dalvi <umesh.dalvi@ruparel.in>
Cc: Meena Maniar <maniarmeena@gmail.com>, pramod.kamble@ruparel.in, naren.bosmia@ruparel.in, vimalesh.pandey@ruparel.in
Hi Umesh,
The possession has been delayed forever. I was originally promised possession in Dec 2020. Further, it was 100% confirmed from
ruparel end that possession would be granted in Dec 2022, again there was a delay.
Request you to grant me refund since there can't be trust placed on ruparel for possession related commitment.
Regards,
Bhavna
[Quoted text hidden]
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bhavna maniar <maniar.bhavna24@gmail.com> 14 January 2024 at 17:29

To: naren.bosmia@ruparel.in, vimalesh.pandey@ruparel.in
Cc: Umesh Dalvi <umesh.dalvi@ruparel.in>, Amol Gaonkar <amol.gaonkar@ruparel.in>, Meena Maniar <maniarmeena@gmail.com>,
swapna.shetty@ruparel.in
Hi Naren,
It may be noted that I have opted for the subvention scheme for which I was charged more amount. To give you a background, in the
subvention scheme, the builder pays the Pre EMI interest, I hope Ruparel knows the meaning of the subvention scheme or despite
knowing the meaning they are not complying with it. Despite opting for subvention scheme Ruparel is not paying the Pre EMI
Request you to look at the repetitive default made by Ruparel as highlighted below. Request you to grant the refund at the earliest
and stop the delay. Despite repeated reminders to the top authorities there is no action which suitably explains the repeated
defaults by Ruparel. Mr. Naren, I am informed that you are an Escalation authority but the escalation authority never takes any action
which says a lot about the company's policy and forever delay and non compliance by the company.
Hi Vimalesh.,
This is in reference to the Pre-EMI payments ("payment") made by me on behalf of ruparel since ruparel wasn't able to
make the payment thereby not fulfilling its commitment. I have encapsulated the payment details for which Ruparel
has to grant me the refund :
Month EMI amount

Payable as on
11.10.22 5,872
Oct-22 26,862
Nov-22 31,535
Dec-22 31,535
Jan-23 31,696
Feb-23 32,741
Mar-23 32,741
Apr-23 32,856
May-23 33,602
Jun-23 33,602
Jul-23 33,603
Aug-23 33,603
Sep-23 33,603
Oct-23 33,603
Nov-23 33,603
Dec-23 33,603
Jan-24 33,603
Total 5,28,263
Request you to grant me the refund of above at the earliest
https://mail.google.com/mail/u/0/?ik=6a6a8151cb&view=pt&search=all&permthid=thread-a:r-8275794972165655122&simpl=msg-a:r110683129… 1/19
Regards,
Bhavna
Swapna Shetty <swapna.shetty@ruparel.in> 16 January 2024 at 12:32

Reply-To: swapna.shetty@ruparel.in
To: bhavna maniar <maniar.bhavna24@gmail.com>
Cc: shradha.shinde@ruparel.in
Dear Ms. Maniar,
With reference to your trailing email, we would like to inform you that we are in the process of releasing or adjusting the pre- emi
only until December, 2022. The management shall share the clarity on the pre-EMI amount, which will be discussed
comprehensively at the time of handover. We shall go through reconciliation of statements and a understanding of the overall
outflow of the subvention cost at the time of possession.
We want to assure you that the possession of the unit will be initiated in this year 2024. Our team will keep you posted on the
progress and we ask your patience till then.
Also, we urge you to loop in your relationship manager Ms. Shraddha Shinde for any project related queries.
Swapna C Shetty
CRM & Credit Control
Email: swapna.shetty@ruparel.in
From: bhavna maniar [mailto:maniar.bhavna24@gmail.com]

Sent: 14 January 2024 17:30
To: naren.bosmia@ruparel.in; vimalesh.pandey@ruparel.in
Cc: Umesh Dalvi; Amol Gaonkar; Meena Maniar; swapna.shetty@ruparel.in
Subject: Re: Refund of Pre EMI interest
Hi Naren,
It may be noted that I have opted for the subvention scheme for which I was charged more amount. To give you a background, in the
subvention scheme, the builder pays the Pre EMI interest, I hope Ruparel knows the meaning of the subvention scheme or despite
knowing the meaning they are not complying with it. Despite opting for subvention scheme Ruparel is not paying the Pre EMI
Request you to look at the repetitive default made by Ruparel as highlighted below Request you to grant the refund at the earliest
and stop the delay. Despite repeated reminders to the top authorities there is no action which suitably explains the repeated
defaults by Ruparel. Mr. Naren, I am informed that you are an Escalation authority but the escalation authority never takes any action
which says a lot about the company's policy and forever delay and non compliance by the company.
Hi Naren,
Request you to look at the repetitive default made by Ruparel as highlighted below. Request you to grant the refund at the earliest
and stop the delay Despite repeated reminders to the top authorities there is no action which suitably explains the repeated
defaults by Ruparel.
bhavna maniar <maniar.bhavna24@gmail.com> 28 January 2024 at 16:24

To: swapna.shetty@ruparel.in, naren.bosmia@ruparel.in
Cc: shradha.shinde@ruparel.in, Umesh Dalvi <umesh.dalvi@ruparel.in>, Amol Gaonkar <amol.gaonkar@ruparel.in>, Meena Maniar
<maniarmeena@gmail.com>, swapna.shetty@ruparel.in, vimalesh.pandey@ruparel.in
Hi Swapna,
Please find my response to the trail mail in red font. Request you to revert at the earliest.
Hi Naren,
I hope you, being the main escalation authority, take action on the repetitive default of Ruparel.
Regards,
Bhavna
On Tue, 16 Jan 2024 at 12:32, Swapna Shetty <swapna.shetty@ruparel.in> wrote:
Dear Ms. Maniar,
With reference to your trailing email, we would like to inform you that we are in the process of releasing or adjusting the pre-
emi only until December, 2022. Request you to elaborate more, what do you mean by releasing or adjusting pre emi only till Dec
22 ??. When will I get refund of amount from Dec 22 till date? I have opted for subvention scheme which means responsibility to
pay pre emi is of the builder till the time possession is given. And the significant delay is on the part of builder due to which we
are already facing tremendous inconvenience and this is an added inconvenience.
The management shall share the clarity on the pre-EMI amount, which will be discussed comprehensively at the time of
handover. This is not justifiable, I need clarity. From last 1 year I am hearing that clarity will be provided. It is inefficiency on part
of management that they have taken money from their customer and not giving clarity even after 1 year. Ruparel
already owes me approx Rs 5,50,000 as on date which is a huge amount for me (Kindly note that I am delaying medical expense,
hope you understand how critical this amount is to me. Ruparel will be responsible if anything happens due to delay in this
medical expense becuase they took my hard earn money away and I did not have money to spend on medical) and there is no
clarity on it. This is my hard earned money which is taken away by Ruparel becuase it is not fulfiling its committment and it is not
giving me any clarity. And you are asking me to wait till handover date which was originally Dec 2020 and even after 4 years of
delay there has not been any handover. And till the handover the due amount which is presently Rs 5,50,000 will only be added
and become 10 lakh plus and Ruparel is not answering.
We shall go through reconciliation of statements and a understanding of the overall outflow of the subvention cost at the time of
possession. - Request you to elaborate when will I get my refund.
We want to assure you that the possession of the unit will be initiated in this year 2024. The original date committed to us was
December 2020, how can we trust Our team will keep you posted on the progress and we ask your patience till then.
Also, we urge you to loop in your relationship manager Ms. Shraddha Shinde for any project related queries. Ms Shraddha Shinde
never responds to the call? What is the alternate option.

<maniarmeena@gmail.com>, swapna.shetty@ruparel.in, vimalesh.pandey@ruparel.in
Hi Swapna/Naren,
Gentle reminder 1
Swapna Shetty <swapna.shetty@ruparel.in> 2 February 2024 at 13:33

<maniarmeena@gmail.com>, vimalesh.pandey@ruparel.in
Dear Mrs. Maniar,
Greetings from Ruparel Realty.
Further to my trail mail dated 16th January 2024, we would wish to inform that we have released the pre emi of Rs. 5 lakh till now.
This amount is equivalent to or in addition to the subvention cost associated with your booking Please rest assured, our
management is committed to conducting a thorough review of the overall reconciled statement and will provide clear details on the
pre-EMI adjustments during the handover process.
We understand that there has been a delay however the same was due to situations/reasons beyond our control. We have got
RERA Extension till Dec 2025 in order to complete this project and would like to assure you that our team is working on it to
complete as per the revised timelines. We want to assure you that the possession of the unit will be initiated in this year 2024.
We value your patience and trust in us during this period.

Request you to look at the repetitive default made by Ruparel as highlighted below Request you to grant the refund at
the earliest and stop the delay. Despite repeated reminders to the top authorities there is no action which suitably explains the
repeated defaults by Ruparel. Mr Naren, I am informed that you are an Escalation authority but the escalation authority never
takes any action which says a lot about the company's policy and forever delay and non compliance by the company.
--
Regards,
Bhavna D Maniar
--
Regards,
Bhavna D Maniar
--
Regards,
Bhavna D Maniar
--
Regards,
Bhavna D Maniar

Hi Swapna and Naren,
At the outset I would like to give you feedback that you have still not responded to my queries. Request you to not respond with a
general copy paste statement when specific queries are asked. Request you to take efforts and respond to the queries.
I need clarity. Ruparel has taken away my money and not giving any clarity. I want clarity for the balance amount. The amount taken
away by Ruparel is 5,50,000 as of now which will be more than 10,00,000 till possession is given. I want clarity. Ruparel is
taking away my hard earned money.
Further, I have provided my response in the trail mail in red font. Request you to provide a specific response to the same.
Hi Naren,
You are marked in all the trail mail and you see the kind of work your team is doing. General statements are not appreciated when you
are taking away my hard earned money from one year and not giving clarity. I hope the escalation authority does some work or maybe
no one works at Ruparel. That's why the same general statement is used for a year, no clarity is given and the project is forever
delayed.
Regards,
Bhavna
On Fri, 2 Feb 2024 at 13:33, Swapna Shetty <swapna.shetty@ruparel.in> wrote:
Dear Mrs. Maniar,
Further to my trail mail dated 16th January 2024, we would wish to inform that we have released the pre emi of Rs. 5 lakh till
now and Ruparel has not paid me my money of 5,50,000, give hoistic view . This amount is equivalent to or in addition to the
subvention cost associated with your booking Please rest assured, our management is committed to conducting a thorough
review of the overall reconciled statement and will provide clear details on the pre-EMI adjustments during the handover
process. The same statement has been said since more than a year and no clarity is given so how can I be rest assured. This is not
fair on Ruparel part that they are taking away money from one year and saying the statement since one year. Is the management
so inefficient that they cannot even take a decision after a year. No wonder why there has been forever delay in the project.
We understand that there has been a delay however the same was due to situations/reasons beyond our control. Please delay
has been done even for the reasons within your control for which you have to take accoutibility and pay me my hard earned
money back. We have got RERA Extension till Dec 2025 in order to complete this project and would like to assure you that our
team is working on it to complete as per the revised timelines. We want to assure you that the possession of the unit will be
initiated in this year 2024.

Dear Ms. Maniar,
Thank you for expressing your concerns regarding the project timeline.
We understand that our response may appear generic, but we want to assure you that our management has reviewed all relevant
factors. The decision to adhere to the revised timeline and to provide clear details on the pre-EMI adjustments during the handover
process is final.
We appreciate your understanding and cooperation as we work towards achieving the same.
Swapna C Shetty

Sent: 03 February 2024 15:57
To: swapna.shetty@ruparel.in; naren.bosmia@ruparel.in
Cc: shradha.shinde@ruparel.in; Umesh Dalvi; Amol Gaonkar; Meena Maniar; vimalesh.pandey@ruparel.in
At the outset I would like to give you feedback that you have still not responded to my queries. Request you to not respond with a
general copy paste statement when specific queries are asked. Request you to take efforts and respond to the queries.
I need clarity. Ruparel has taken away my money and not giving any clarity. I want clarity for the balance amount. The amount taken
away by Ruparel is 5,50,000 as of now which will be more than 10,00,000 till possession is given. I want clarity. Ruparel is
taking away my hard earned money.
Further, I have provided my response in the trail mail in red font. Request you to provide a specific response to the same.
Hi Naren,
You are marked in all the trail mail and you see the kind of work your team is doing. General statements are not appreciated when you
are taking away my hard earned money from one year and not giving clarity. I hope the escalation authority does some work or maybe
no one works at Ruparel. That's why the same general statement is used for a year, no clarity is given and the project is forever
delayed.
Regards,
Bhavna
Dear Mrs. Maniar,
Further to my trail mail dated 16th January 2024, we would wish to inform that we have released the pre emi of Rs. 5 lakh till
now and Ruparel has not paid me my money of 5,50,000, give hoistic view . This amount is equivalent to or in addition to the
subvention cost associated with your booking Please rest assured, our management is committed to conducting a thorough
review of the overall reconciled statement and will provide clear details on the pre-EMI adjustments during the handover
process. The same statement has been said since more than a year and no clarity is given so how can I be rest assured. This is not
fair on Ruparel part that they are taking away money from one year and saying the statement since one year. Is the management
so inefficient that they cannot even take a decision after a year. No wonder why there has been forever delay in the project.
We understand that there has been a delay however the same was due to situations/reasons beyond our control. Please delay
has been done even for the reasons within your control for which you have to take accoutibility and pay me my hard earned
money back. We have got RERA Extension till Dec 2025 in order to complete this project and would like to assure you that our
team is working on it to complete as per the revised timelines. We want to assure you that the possession of the unit will be
initiated in this year 2024.
Swapna C Shetty
Email: swapnashetty@ruparel.in

Hi Swapna/Naren,
Gentle reminder 1
On Sun, 28 Jan 2024 at 16:24, bhavna maniar <maniar.bhavna24@gmail.com> wrote:
Hi Swapna,
Hi Naren,
Regards,
Bhavna
Dear Ms. Maniar,
With reference to your trailing email, we would like to inform you that we are in the process of releasing or
adjusting the pre- emi only until December, 2022. Request you to elaborate more, what do you mean by releasing
or adjusting pre emi only till Dec 22 ??. When will I get refund of amount from Dec 22 till date? I have opted for
subvention scheme which means responsibility to pay pre emi is of the builder till the time possession is given.
And the significant delay is on the part of builder due to which we are already facing tremendous inconvenience
and this is an added inconvenience.
The management shall share the clarity on the pre-EMI amount, which will be discussed comprehensively at the time of
handover. This is not justifiable, I need clarity. From last 1 year I am hearing that clarity will be provided. It is inefficiency
on part of management that they have taken money from their customer and not giving clarity even after 1 year Ruparel
already owes me approx Rs 5,50,000 as on date which is a huge amount for me (Kindly note that I am delaying medical
expense, hope you understand how critical this amount is to me. Ruparel will be responsible if anything happens due to
delay in this medical expense becuase they took my hard earn money away and I did not have money to spend on
medical) and there is no clarity on it. This is my hard earned money which is taken away by Ruparel becuase it is not fulfiling
its committment and it is not giving me any clarity. And you are asking me to wait till handover date which was originally
Dec 2020 and even after 4 years of delay there has not been any handover. And till the handover the due amount which is
presently Rs 5,50,000 will only be added and become 10 lakh plus and Ruparel is not answering.
We shall go through reconciliation of statements and a understanding of the overall outflow of the subvention cost at the
time of possession. - Request you to elaborate when will I get my refund.
We want to assure you that the possession of the unit will be initiated in this year 2024. The original date committed to us
was December 2020, how can we trust Our team will keep you posted on the progress and we ask your patience till then.
Also, we urge you to loop in your relationship manager Ms. Shraddha Shinde for any project related queries. Ms Shraddha
Shinde never responds to the call? What is the alternate option.
Swapna C Shetty

Sent: 14 January 2024 17:30
To: naren.bosmia@ruparel.in; vimalesh.pandey@ruparel.in
Cc: Umesh Dalvi; Amol Gaonkar; Meena Maniar; swapna.shetty@ruparel.in
Hi Naren,
It may be noted that I have opted for the subvention scheme for which I was charged more amount To give you a background, in
the subvention scheme, the builder pays the Pre EMI interest, I hope Ruparel knows the meaning of the subvention scheme or
despite knowing the meaning they are not complying with it. Despite opting for subvention scheme Ruparel is not paying the Pre
EMI

Hi Naren
It has been more than 1 year. Ruparel has been taking away my hard earned money from 1 year and not giving any clarity. How can I be
rest assured? Your management takes so much time to make a decision on which people's hard earned money and stake is dependent
that defines what Ruparel is upto. It is inefficiency on part of management that they have taken money from their
customer and not giving clarity even after 1 year
I need clarity. Ruparel has taken away my money and not given any clarity. I want clarity for the balance amount. The amount
taken away by Ruparel is 5,50,000 as of now which will be more than 10,00,000 till possession is given. I want
clarity. Ruparel is taking away my hard earned money.
General statements are not appreciated when you are taking away my hard earned money from one year and not giving clarity. I hope
the escalation authority does some work or maybe no one works at Ruparel. That's why the same general statement is used for a year, no
clarity is given and the project is forever delayed.
Iis is not fair on Ruparel's part that they are taking away money from one year and saying the statement since one year. Is the
management so inefficient that they cannot even take a decision after a year. No wonder why there has been a forever delay in the
project.
Regards,
Bhavna

@naren.bosmia@ruparel.in Gentle reminder


@naren.bosmia@ruparel.in Gentle reminder 2


@naren.bosmia@ruparel.in Gentle reminder. 3


To: "amit@ruparel.in" <amit@ruparel.in>, amit.ruparel@ruparel.in
<maniarmeena@gmail.com>, vimalesh.pandey@ruparel.in, swapna.shetty@ruparel.in, naren.bosmia@ruparel.in
Hi Amit Sir,
I am finally reaching out to you since I have not received any proper response from the Ruparel Team. I hope that I receive some positive
response from the Managing director of the company. To give you a background I have booked my flat in September 2017 and back
then I was promised that I would get possession in December 2020, however we are in the year 2024 and I have not got my home. How
is your tagline 'We don't just create spaces, we make room for life justifiable?
I had opted for the subvention scheme but Ruparel failed to fulfill its commitment even in this. As on date Ruparel has taken my hard
earned money of approx. 6,00,000 and no one is providing me any clarity (You can refer to trail mail). I just received a general
statement from the last two years. 'Be rest assured ...............'. How can I be rest assured when the same statement has been said for more
than a year and no clarity is given. This is not fair on Ruparel's part. Is the management so inefficient that they cannot even take a
decision after a year. I am sorry to say but this proves the forever delay in the project and non fulfillment of commitment.
I Hope I atleast get a solution from the Managing director of the company.
Regards,
Bhavna

<maniarmeena@gmail.com>, vimalesh.pandey@ruparel.in, naren.bosmia@ruparel.in
Dear Mrs. Maniar,
With reference to your email below, we would like to reiterate and provide clarity on the Pre emi amount and the status of the
project handover.
Firstly, we confirm that we have already released approx. 5.5 lakh of the pre emi amount which is equivalent to or in addition to
the subvention cost associated with your booking. We are unable to release any further payment however we shall conduct
reconciliation of the ledger and any necessary adjustment will be taken care at the time of handover.
It is important to note that this decision has been thoroughly reviewed and has received the final approval from our management
team. We request you to understand that repetitive queries on this subject shall not change our stance that has been taken.
With regards to possession, we understand that there has been a delay in handover of the unit, however the same was due to
situations/reasons beyond our control. We have got RERA Extension till Dec 2025 in order to complete this project and would like
to assure you that our team is working on it to complete the project before the revised timelines.
We appreciate your patience and understanding in this matter.
Best Regards,

To: swapna.shetty@ruparel.in, amit.ruparel@ruparel.in, amit@ruparel.in
<maniarmeena@gmail.com>, vimalesh.pandey@ruparel.in, naren.bosmia@ruparel.in
Hi Amit sir,
I understand you are managing director of the company. I hope I receive some solution from you. At the outset I would like to mention
that Ruparel has to pay me around 6 lacs and each month this amount is increasing because I have to pay the Pre EMI each month
which is responsibility of Ruparel. Ruparel is neither fulfilling its responsibility nor it is giving any clarity. Ruparel is just defaulting.
Request you to provide some solution.
Regards,
Bhavna
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To: shradha.shinde@ruparel.in
<maniarmeena@gmail.com>, vimalesh.pandey@ruparel.in, naren.bosmia@ruparel.in, amit.ruparel@ruparel.in, amit@ruparel.in,
Hi Shraddha,
I had visited Ruparel Iris office since I was not getting any clear response from Ruparel team. As discussed, since naren was on leave
today, request you to schedule meeting with naren next week. I sincerely request you to schedule meeting in next week with Naren
without any follow up or reminder.
Regards,
Bhavna
Shradha Shinde <shradha.shinde@ruparel.in> 27 February 2024 at 16:43

Reply-To: shradha.shinde@ruparel.in
vimalesh.pandey@ruparel.in, naren.bosmia@ruparel.in, swapna.shetty@ruparel.in
Good Evening Ms. Maniar,
Thank you for writing to us.
This is to acknowledge your email, kindly allow us some time to get back to you on the trailing email.
Thanks and Regards,
Shradha Shinde
Mobile No.- 8657552893
Manager – CRM & Credit Control
Email: shradha.shinde@ruparel.in

To: shradha.shinde@ruparel.in
Cc: Umesh Dalvi; Amol Gaonkar; Meena
Maniar; vimalesh.pandey@ruparel.in; naren.bosmia@ruparel.in; amit.ruparel@ruparel.in; amit@ruparel.in; swapna.shetty@ruparel.in
Hi Shraddha,
I had visited Ruparel Iris office since I was not getting any clear response from Ruparel team. As discussed, since naren was on leave
today, request you to schedule meeting with naren next week. I sincerely request you to schedule meeting in next week with Naren
without any follow up or reminder.
Regards,
Bhavna
On Tue, Feb 27, 2024, 1:38 PM bhavna maniar <maniarbhavna24@gmail.com> wrote:
Hi Amit sir,
I understand you are managing director of the company. I hope I receive some solution from you. At the outset I would like to mention
that Ruparel has to pay me around 6 lacs and each month this amount is increasing because I have to pay the Pre EMI each month
which is responsibility of Ruparel. Ruparel is neither fulfilling its responsibility nor it is giving any clarity Ruparel is just defaulting.
Regards,
Bhavna
On Thu, Feb 22, 2024, 11:43 AM Swapna Shetty <swapna.shetty@ruparel.in> wrote:
Dear Mrs. Maniar,
With reference to your email below, we would like to reiterate and provide clarity on the Pre emi amount and the status of the
project handover.
Firstly, we confirm that we have already released approx. 5.5 lakh of the pre emi amount which is equivalent to or in addition
to the subvention cost associated with your booking. We are unable to release any further payment however we shall conduct
reconciliation of the ledger and any necessary adjustment will be taken care at the time of handover.
It is important to note that this decision has been thoroughly reviewed and has received the final approval from our
management team. We request you to understand that repetitive queries on this subject shall not change our stance that has
been taken.
With regards to possession, we understand that there has been a delay in handover of the unit, however the same was due to
situations/reasons beyond our control. We have got RERA Extension till Dec 2025 in order to complete this project and would
like to assure you that our team is working on it to complete the project before the revised timelines.
We appreciate your patience and understanding in this matter.
Best Regards,
Swapna C Shetty

To: amit@ruparel.in; amit.ruparel@ruparel.in
Cc: shradha.shinde@ruparel.in; Umesh Dalvi; Amol Gaonkar; Meena
Maniar; vimalesh.pandey@ruparel.in; swapna.shetty@ruparel.in; naren.bosmia@ruparel.in
Hi Amit Sir,
I am finally reaching out to you since I have not received any proper response from the Ruparel Team. I hope that I receive some
positive response from the Managing director of the company. To give you a background I have booked my flat in September
2017 and back then I was promised that I would get possession in December 2020, however we are in the year 2024 and I have not
got my home. How is your tagline 'We don't just create spaces, we make room for life justifiable?
I had opted for the subvention scheme but Ruparel failed to fulfill its commitment even in this. As on date Ruparel has taken my
hard earned money of approx. 6,00,000 and no one is providing me any clarity (You can refer to trail mail). I just received a general
statement from the last two years. 'Be rest assured ..............'. How can I be rest assured when the same statement has been said for
more than a year and no clarity is given. This is not fair on Ruparel's part. Is the management so inefficient that they cannot even
take a decision after a year. I am sorry to say but this proves the forever delay in the project and non fulfillment of commitment.
I Hope I atleast get a solution from the Managing director of the company.
Regards,
Bhavna
On Wed, 21 Feb 2024 at 22:04, bhavna maniar <maniar.bhavna24@gmail.com> wrote:
On Sun, 18 Feb 2024 at 11:39, bhavna maniar <maniar.bhavna24@gmail.com> wrote:
On Wed, 14 Feb 2024 at 18:52, bhavna maniar <maniar.bhavna24@gmail.com> wrote:
On Sat, 10 Feb 2024 at 14:21, bhavna maniar <maniar.bhavna24@gmail.com> wrote:
Hi Naren
It has been more than 1 year. Ruparel has been taking away my hard earned money from 1 year and not giving any clarity.
How can I be rest assured? Your management takes so much time to make a decision on which people's hard earned
money and stake is dependent that defines what Ruparel is upto. It is inefficiency on part of management that
they have taken money from their customer and not giving clarity even after 1 year
I need clarity. Ruparel has taken away my money and not given any clarity. I want clarity for the balance amount.
The amount taken away by Ruparel is 5,50,000 as of now which will be more than 10,00,000 till
possession is given. I want clarity. Ruparel is taking away my hard earned money.
General statements are not appreciated when you are taking away my hard earned money from one year and not giving
clarity. I hope the escalation authority does some work or maybe no one works at Ruparel. That's why the same general
statement is used for a year, no clarity is given and the project is forever delayed.
Iis is not fair on Ruparel's part that they are taking away money from one year and saying the statement since one year. Is
the management so inefficient that they cannot even take a decision after a year. No wonder why there has been a forever
delay in the project
Regards,
Bhavna
On Mon, 5 Feb 2024 at 19:20, Swapna Shetty <swapna.shetty@ruparel.in> wrote:
Dear Ms. Maniar,
We understand that our response may appear generic, but we want to assure you that our management has
reviewed all relevant factors. The decision to adhere to the revised timeline and to provide clear details on the pre-
EMI adjustments during the handover process is final.
Swapna C Shetty

At the outset I would like to give you feedback that you have still not responded to my queries. Request you to not
respond with a general copy paste statement when specific queries are asked. Request you to take efforts and
respond to the queries.
I need clarity. Ruparel has taken away my money and not giving any clarity. I want clarity for the balance amount.
The amount taken away by Ruparel is 5,50,000 as of now which will be more than 10,00,000 till possession is
given. I want clarity. Ruparel is taking away my hard earned money.
Further, I have provided my response in the trail mail in red font. Request you to provide a specific response to the
same.
Hi Naren,
You are marked in all the trail mail and you see the kind of work your team is doing. General statements are not
appreciated when you are taking away my hard earned money from one year and not giving clarity. I hope the
escalation authority does some work or maybe no one works at Ruparel. That's why the same general statement is
used for a year, no clarity is given and the project is forever delayed.
Regards,
Bhavna
Dear Mrs. Maniar,
Further to my trail mail dated 16th January 2024, we would wish to inform that we have released the pre emi of
Rs. 5 lakh till now and Ruparel has not paid me my money of 5,50,000, give hoistic view . This amount is
equivalent to or in addition to the subvention cost associated with your booking Please rest assured, our
management is committed to conducting a thorough review of the overall reconciled statement and will provide
clear details on the pre-EMI adjustments during the handover process. The same statement has been said since
more than a year and no clarity is given so how can I be rest assured. This is not fair on Ruparel part that they
are taking away money from one year and saying the statement since one year. Is the management so inefficient
that they cannot even take a decision after a year. No wonder why there has been forever delay in the project.
We understand that there has been a delay however the same was due to situations/reasons beyond our
control. Please delay has been done even for the reasons within your control for which you have to take
accoutibility and pay me my hard earned money back. We have got RERA Extension till Dec 2025 in order to
complete this project and would like to assure you that our team is working on it to complete as per the revised
timelines. We want to assure you that the possession of the unit will be initiated in this year 2024.
Swapna C Shetty
Email: swapnashetty@ruparel.in

Hi Swapna/Naren,
Gentle reminder 1
On Sun, 28 Jan 2024 at 16:24, bhavna maniar <maniar.bhavna24@gmail.com> wrote:
Hi Swapna,
Hi Naren,
Regards,
Bhavna
Dear Ms. Maniar,
With reference to your trailing email, we would like to inform you that we are in the process of
releasing or adjusting the pre- emi only until December, 2022. Request you to elaborate more,
what do you mean by releasing or adjusting pre emi only till Dec 22 ??. When will I get refund of
amount from Dec 22 till date? I have opted for subvention scheme which means responsibility to
pay pre emi is of the builder till the time possession is given. And the significant delay is on the
part of builder due to which we are already facing tremendous inconvenience and this is an
added inconvenience.
The management shall share the clarity on the pre-EMI amount, which will be discussed
comprehensively at the time of handover. This is not justifiable, I need clarity. From last 1 year I am
hearing that clarity will be provided. It is inefficiency on part of management that they have taken
money from their customer and not giving clarity even after 1 year Ruparel already owes me
approx Rs 5,50,000 as on date which is a huge amount for me (Kindly note that I am delaying
medical expense, hope you understand how critical this amount is to me. Ruparel will be
responsible if anything happens due to delay in this medical expense becuase they took my hard
earn money away and I did not have money to spend on medical) and there is no clarity on it. This is
my hard earned money which is taken away by Ruparel becuase it is not fulfiling its committment and
it is not giving me any clarity. And you are asking me to wait till handover date which was originally
Dec 2020 and even after 4 years of delay there has not been any handover. And till the handover the
due amount which is presently Rs 5,50,000 will only be added and become 10 lakh plus and Ruparel
is not answering.
We shall go through reconciliation of statements and a understanding of the overall outflow of the
subvention cost at the time of possession. - Request you to elaborate when will I get my refund.
We want to assure you that the possession of the unit will be initiated in this year 2024. The original date
committed to us was December 2020, how can we trust Our team will keep you posted on the progress
and we ask your patience till then.
Also, we urge you to loop in your relationship manager Ms. Shraddha Shinde for any project related
queries. Ms Shraddha Shinde never responds to the call? What is the alternate option.
Swapna C Shetty

naren.bosmia@ruparel.in; vimalesh.pandey@ruparel.in

bhavna maniar <maniar.bhavna24@gmail.com> 4 March 2024 at 11:09

To: shradha.shinde@ruparel.in, amit@ruparel.in, amit.ruparel@ruparel.in
vimalesh.pandey@ruparel.in, naren.bosmia@ruparel.in, swapna.shetty@ruparel.in
Hi Amit Sir,
I understand you are the managing director of the company. I hope I receive some solution from you. At the outset I would like to
mention that Ruparel has to pay me around 6 lacs and each month this amount is increasing because I have to pay the Pre EMI each
month which is the responsibility of Ruparel. Ruparel is neither fulfilling its responsibility nor it is giving any clarity. Ruparel is just
defaulting.
Hi Shardha,
Gentle reminder for fixing a meeting with Naren. It has been 5 working days still I have not received any update even for fixing a
meeting.
Shradha Shinde <shradha.shinde@ruparel.in> 4 March 2024 at 12:48

Reply-To: shradha.shinde@ruparel.in
To: bhavna maniar <maniar.bhavna24@gmail.com>, Meena Maniar <maniarmeena@gmail.com>
Cc: Umesh Dalvi <umesh.dalvi@ruparel.in>, Amol Gaonkar <amol.gaonkar@ruparel.in>, naren.bosmia@ruparel.in,
Good Afternoon Ms. Maniar,
Thank you for writing to us.
This is to inform you that we have scheduled your meeting with Mr. Naren Bosmia on this Friday between 12 pm to 12.30 pm at our
Matunga Office, request you to confirm your availability in order to block the calendar. Further, please note, we have time and again
provided you update on the Pre Emi concern in our trail email and our stance towards the same won’t change.


Iis is not fair on Ruparel's part that they are taking away money from one year and saying the statement
since one year. Is the management so inefficient that they cannot even take a decision after a year No
wonder why there has been a forever delay in the project
Regards,
Bhavna
On Mon, 5 Feb 2024 at 19:20, Swapna Shetty <swapna.shetty@ruparel.in> wrote:
Dear Ms Maniar,
We understand that our response may appear generic, but we want to assure you that our
management has reviewed all relevant factors. The decision to adhere to the revised timeline and to
provide clear details on the pre-EMI adjustments during the handover process is final.
Swapna C Shetty

Cc: shradha.shinde@ruparel.in; Umesh Dalvi; Amol Gaonkar; Meena
Maniar; vimalesh.pandey@ruparel.in
At the outset I would like to give you feedback that you have still not responded to my queries. Request
you to not respond with a general copy paste statement when specific queries are asked. Request you
to take efforts and respond to the queries.
I need clarity. Ruparel has taken away my money and not giving any clarity. I want clarity for
the balance amount. The amount taken away by Ruparel is 5,50,000 as of now which will be more
than 10,00,000 till possession is given. I want clarity. Ruparel is taking away my hard earned
money.
Further, I have provided my response in the trail mail in red font. Request you to provide a specific
response to the same.
Hi Naren,
You are marked in all the trail mail and you see the kind of work your team is doing. General statements
are not appreciated when you are taking away my hard earned money from one year and not giving
clarity. I hope the escalation authority does some work or maybe no one works at Ruparel. That's why
the same general statement is used for a year, no clarity is given and the project is forever delayed.
Regards,
Bhavna
Dear Mrs. Maniar,
Further to my trail mail dated 16th January 2024, we would wish to inform that we have released
the pre emi of Rs 5 lakh till now and Ruparel has not paid me my money of 5,50,000, give hoistic
view . This amount is equivalent to or in addition to the subvention cost associated with your
booking Please rest assured, our management is committed to conducting a thorough review of
the overall reconciled statement and will provide clear details on the pre-EMI adjustments during
the handover process. The same statement has been said since more than a year and no clarity is
given so how can I be rest assured. This is not fair on Ruparel part that they are taking away money
from one year and saying the statement since one year. Is the management so inefficient that they
cannot even take a decision after a year. No wonder why there has been forever delay in the
project.
Maharashtra Real Estate Regulatory Authority
CERTIFICATE FOR EXTENSION OF REGISTRATION OF PROJECT
FORM 'F'
[See rule 7(2)]
This extension of registration is granted under section 6/7 of the Act, to the following project: Project: Ruparel Iris, Plot
Bearing / CTS / Survey / Final Plot No.: 273 at Mumbai City, Mumbai City, Mumbai City, 400016; registered with the
regulatory authority vide project registration certificate bearing No P51900005988 of
1. Ruparel Estates India Pvt Ltd having its registered office / principal place of business at Tehsil: Mumbai City,
District: Mumbai City, Pin: 400016.
2. This renewal of registration is granted subject to the following conditions, namely:
The promoter shall execute and register a conveyance deed in favour of the allottee or the association of the
allottees, as the case may be, of the apartment or the common areas as per Rule 9 (2) of Maharashtra Real
Estate (Regulation and Development) (Registration of Real Estate Projects, Registration of Real Estate Agents,
Rates of Interest and Disclosures on Website) Rules,2017;
The promoter shall deposit seventy percent of the amounts realised by the promoter in a separate account to be
maintained in a schedule bank to cover the cost of construction and the land cost to be used only for that purpose
as per subclause (D) of clause (l) of subsection (2) of section 4 read with Rule 5;
OR
That entire of the amounts to be realised hereinafter by me/promoter for the real estate project from the allottees,
from time to time, shall be deposited in a separate account to be maintained in a scheduled bank to cover the
cost of construction and the land cost and shall be used only for that purpose, since the estimated receivable of
the project is less than the estimated cost of completion of the project.
The registration shall be valid up to 30/06/2024 unless renewed by the Maharashtra Real Estate Regulatory
Authority in accordance with section 6/7 of the Act read with rule 7 the Act.
The promoter shall comply with the provisions of the Act and the rules and regulations made there under;
That the promoter shall take all the pending approvals from the competent authorities
If the above mentioned conditions are not fulfilled by the promoter, the Authority may take necessary action
against the promoter including revoking the registration granted herein, as per the Act and the rules and
regulations made there under.
Digitally Signed by
Dr. Vasant Premanand Prabhu
Dated: 27/06/2023 Signature (Secretary,
and seal of MahaRERA)
the Authorized Officer
Place: Mumbai MaharashtraDate:27-06-2023 15:02:59Authority
Real Estate Regulatory
3/12/24, 12:56 PM Gmail - Builder Subvention Scheme
bhavna maniar <maniar.bhavna24@gmail.com>
Builder Subvention Scheme

Nisha Karnale <nisha@ruparel.in> 27 July 2019 at 17:51
Reply-To: nisha@ruparel.in
To: maniarmeena@gmail.com, maniar.bhavna24@gmail.com
Cc: umesh.dalvi@ruparel.in
Dear Madam,
This is in regards to your booking in Ruparel Optima.
As discussed, We hereby confirm that the allocated apartment is booked under the subvention scheme where the Pre-
EMI/Pre-Interest Charges of your home loan for purchase of the said flat in our Project Ruparel Optima would be paid by
us till fit out possession. The said Pre-EMI/Pre-Interest Charges would be either advanced to you by cheque or if paid by
you, then the same shall by refunded/reimbursed by us.
The Same will be provided to you on letterhead at time disbursement process
Kindly confirm the same.
Please feel free to contact me for any further assistance.
Regards,
Nisha Karnale
Landline:- 022-24390000
Email:- nisha@ruparel.in
Save a Tree! Do not print this email unless you really need to.
https://mail.google.com/mail/u/0/?ik=6a6a8151cb&view=pt&search=all&permmsgid=msg-f:1640214154012856519&simpl=msg-f:1640214154012… 1/2
3/12/24, 12:56 PM Gmail - Builder Subvention Scheme
https://mail.google.com/mail/u/0/?ik=6a6a8151cb&view=pt&search=all&permmsgid=msg-f:1640214154012856519&simpl=msg-f:1640214154012… 2/2

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3/12/24, 3:43 PM Gmail - Refund of Pre EMI interest

bhavna maniar <maniar.bhavna24@gmail.com> 22 February 2023 at 07:03

bhavna maniar <maniar.bhavna24@gmail.com> 14 January 2024 at 17:29

Month EMI amount

Request you to grant me the refund of above at the earliest

Swapna Shetty <swapna.shetty@ruparel.in> 16 January 2024 at 12:32

Dear Ms. Maniar,

CRM & Credit Control

From: bhavna maniar [mailto:maniar.bhavna24@gmail.com]

bhavna maniar <maniar.bhavna24@gmail.com> 28 January 2024 at 16:24

On Tue, 16 Jan 2024 at 12:32, Swapna Shetty <swapna.shetty@ruparel.in> wrote:

Dear Ms. Maniar,

bhavna maniar <maniar.bhavna24@gmail.com> 1 February 2024 at 21:43

Swapna Shetty <swapna.shetty@ruparel.in> 2 February 2024 at 13:33

Dear Mrs. Maniar,

Greetings from Ruparel Realty.

We value your patience and trust in us during this period.

bhavna maniar <maniar.bhavna24@gmail.com> 3 February 2024 at 15:57

Hi Swapna and Naren,

On Fri, 2 Feb 2024 at 13:33, Swapna Shetty <swapna.shetty@ruparel.in> wrote:

Dear Mrs. Maniar,

Greetings from Ruparel Realty.

Swapna Shetty <swapna.shetty@ruparel.in> 5 February 2024 at 19:20

Dear Ms. Maniar,

CRM & Credit Control

From: bhavna maniar [mailto:maniar.bhavna24@gmail.com]

Hi Swapna and Naren,

On Fri, 2 Feb 2024 at 13:33, Swapna Shetty <swapna.shetty@ruparel.in> wrote:

Dear Mrs. Maniar,

Greetings from Ruparel Realty.

We value your patience and trust in us during this period.

CRM & Credit Control

From: bhavna maniar [mailto:maniar.bhavna24@gmail.com]

On Sun, 28 Jan 2024 at 16:24, bhavna maniar <maniar.bhavna24@gmail.com> wrote:

On Tue, 16 Jan 2024 at 12:32, Swapna Shetty <swapna.shetty@ruparel.in> wrote:

Dear Ms. Maniar,

CRM & Credit Control

From: bhavna maniar [mailto:maniar.bhavna24@gmail.com]

bhavna maniar <maniar.bhavna24@gmail.com> 10 February 2024 at 14:21

bhavna maniar <maniar.bhavna24@gmail.com> 14 February 2024 at 18:52

@naren.bosmia@ruparel.in Gentle reminder

bhavna maniar <maniar.bhavna24@gmail.com> 18 February 2024 at 11:39

@naren.bosmia@ruparel.in Gentle reminder 2

bhavna maniar <maniar.bhavna24@gmail.com> 21 February 2024 at 22:04

@naren.bosmia@ruparel.in Gentle reminder. 3

bhavna maniar <maniar.bhavna24@gmail.com> 21 February 2024 at 22:59

[Quoted text hidden]

Swapna Shetty <swapna.shetty@ruparel.in> 22 February 2024 at 11:43

Dear Mrs. Maniar,

Greetings from Ruparel Realty.

We appreciate your patience and understanding in this matter.

bhavna maniar <maniar.bhavna24@gmail.com> 27 February 2024 at 13:38

Request you to provide some solution.

bhavna maniar <maniar.bhavna24@gmail.com> 27 February 2024 at 16:38

Shradha Shinde <shradha.shinde@ruparel.in> 27 February 2024 at 16:43

Good Evening Ms. Maniar,

Thank you for writing to us.

Thanks and Regards,

Mobile No.- 8657552893

Manager – CRM & Credit Control

From: bhavna maniar [mailto:maniar.bhavna24@gmail.com]

On Tue, Feb 27, 2024, 1:38 PM bhavna maniar <maniarbhavna24@gmail.com> wrote:

Request you to provide some solution.