Quality Assurance

Quality is not just, what you can see with your naked eye? It is much deeper than that, it is not just the expensive marble or the flashy façade or the fancy fittings that indicate quality. While it is true that good painting is essential and good interiors do impress and they are important, but more than these external, superficial factors it is the internal, basic construction of the flat, which is equally important.

The durability of an apartment depends upon its design, workmanship, quality control, and selection of its construction materials. Apartments constructed with inferior or sub-standard material or with poor workmanship will ultimately lead to a sub-standard structure with leaky, damp roof, uneven flooring, jammed doors/windows, leakage in toilets, water stagnation and many such problems. The rectification of these defects will not only be very expensive but also cause lot of inconvenience for the occupants.

We at Bhaggyam Constructions believe that Quality is always the result of earnest & intelligent effort to achieve a superior result and is never an accident.

By meticulous planning, selection, inspection and testing of materials of construction and workmanship we ensure a happy life for you and your family.

Design in Form and Function

A good design forms the core of quality. It ensures maximum utilization of space adequate light, ventilation, and provision of all required amenities at the right places. We work with reputed Architects and Structural Engineers to ensure this, the structural design of the building is prepared after testing the soil conditions, which are verified by reputed Geo-Technical Agencies.

Selection of Materials

Every Material chosen for construction undergoes stringent quality checks. Realizing the fact that when material input is inferior, no amount of careful workmanship is capable of turning out a superior product, the materials are tested according to a certain set pattern and with desirable frequency. Only reputed brands of materials are used at all stages ensuring further quality control.

Quality of Workmanship

It is the quality of workmanship that makes construction superior. For this not only is trained labourers are employed but timely inspection and constant supervision is ensured to guarantee high standards of workmanship. The role of inspection requires knowledge, talent and experience, depth and sincerity of purpose, which are attitudes present in our engineers.

A series of quality tests are conducted to ensure high standards of workmanship - alignment tests for shuttering, pressure testing in sanitary pipes, stagnation tests for water proofing, slope test for flooring and many other such tests.

Quality Policy

We, Bhaggyam constructions, constantly strive to meet and exceed customer expectations ensuring total customer delight

We will work towards continuous improvement in our products, services and systems based on customer inputs.

We will treat every apartment, as if it were our own purchase and ensure the usage of best materials and workmanship of the highest order.

We will accept full responsibility for the quality of our construction and stand behind it - NO EXCUSES

Quality Construction
Pre Construction TESTS

Soil Test :
Reputed geo-technical consultants test the soil to find out the load-bearing capacity. Using this information, our Structural Engineers design a better structure.

Water Test :
Using the right quality of water for construction is very important. We therefore test the water by sending samples to reputed laboratories... To ensure suitability.

Pest Control :
Pests like termites are known to cause severe damage if not controlled right at the very start. Hence, before the foundation work is done, we do Pest Control Treatment. Then we repeat the process at the ground floor level as well.

RCC Structure

Certification of Structural Engineer
The Structural Engineer inspects and certifies at each stage that the design is strictly followed.

Use of RMC
We use Ready-mixed Concrete (RMC) which is produced in a centralized Automatic Batching Plant, where it undergoes stringent Quality Process Control right from the raw material to ultimate use.

Concrete Testing
7 and 28 day cube tests are performed to ensure that the strength of the concrete is adequate.

Vibration :
While pouring concrete around the Steel reinforcement Vibrators are used. This prevents the formation of honeycombs which corrodes the steel.

De-Shuttering Time
Early de-shuttering gives rise to weak concrete. Columns and beams must be de-shuttered only after a full 24 hours and beam bottoms after 14 days, which is strictly followed.

Curing of Concrete
Fresh concrete must remain moist and wet up to 14 days. Bunds of sand are erected to retain water; Columns and beams are tied with gunny sacks and kept soaked.

Brickwork & Plastering

Wet Bricks
Soaked bricks are used ensuring better binding with mortar and also prevents cracks.

No brickwork beyond 1.2 metres per day.
Bricks and mortar take time to settle, and hence no brickwork is done beyond 1.2 meters per day. Otherwise the strength of the wall is compromised.

Reinforcement in 4.5 inch brickwork
To strengthen the brick wall, one 6mm steel rod is inserted across the entire length of the wall after every four layers. This strengthens the brickwork, and prevents cracks.

Lintel at Sill Level for Windows
By using a lintel, the occurrence of cracks at the joints of the window frame is minimized.

Beam bottom and Brick wall tops
The top of the brickwork and the bottom of the beam is filled with cement mortar and metal mixed with waterproofing compound and not mortar alone. This prevents dampness during monsoons and takes care of settlement and prevents cracks.

Conduits Plastered with Chicken Mesh
Any chasing done for conduits is initially packed with mortar and subsequently chicken mesh is applied on top and plastered along with the rest of the wall and takes care of settlement and prevents cracks.

Plumbing

Plumbing Joints
All the plumbing joints are sealed properly with adequate jute fibre around the screws to prevent leakage of any sort.

Pressure Testing
After laying pipes and before plastering, all the pipes are pressure tested to ensure that there are no leakages.

Water Proofing
All the toilets is waterproofed. Initially 2 coats of tapecrete mixed with cement are painted and subsequently CICO OIL, a water proofing compound, is mixed with cement mortar and plastered on the surface. The Sump and over head tank are also waterproofed to ensure the quality of water.

Slope in Bathrooms
Proper and adequate slopes are given to ensure that the water flows away and does not stagnate or flow into the rooms.

Electricals

Only branded cables with ISI marking is used to ensure 100% safety.
Breakers are provided to ensure that in case of any overload, leakage or short circuit the mains will trip and prevent any damage or accident.
To safeguard your electrical appliances earthing is done as a standard procedure.

Fine Workmanship

Experienced workmen produce good work
Timely inspection and supervision
Following sound construction practices
Quality Tests

Overall workmanship comes from a combination of these factors. For example, engineers who have knowledge, experience and talent for the task carry out inspection.

What kind of quality tests do we do ?

Some examples are alignment tests for shuttering, pressure testing in sanitary pipes, stagnation testing in waterproofing…………and many more!

Excellent Materials

Only reputed branded products are used.
Regular inspection of materials
Quality Checks

No workmanship can turn out a superior product with poor quality materials! That is why we take such great pains to ensure that the material used in the construction meets strict quality standards.

Tax Incentives on Buying Homes

Yes, such a thing exists when you buy a home. The tax laws allow incentive to encourage people to buy homes. So make full use of them.

Incentive 1 : Interest on housing loans are exempted up to a ceiling of Rs. 1, 50,000 (sec 24)

Incentive 2 : A Deduction of Rs. 1 Lakh from taxable income is available for home loan principle re-payment.

Incentive 3 : Exemption from Capital Gains (sec 54f): Capital gains resulting from the transfer of any capital assets not being a residential house, will be exempt of the net consideration is used to purchase a residential house within a period of 1 year before or 2 years after the date of transfer or construct a residential house within 3 years after the date of transfer

Tax Incentives – Make your Home Loan cheaper than you think

How can working professionals plan their home loan to maximize their interest and tax savings?

From the point of view of economics, the ideal loan investor should avail of is Rs.20 lakh. The rate of interest on this amount would be just about 4.28% per annum only.

Let us presume that a senior executive receiving a salary of Rs.5 lakh per annum is interested in a loan of Rs.20 lakh. The rate of interest charged on this loan is 7.5% per annum. Thus the total interest payable for one year on Rs.20lakh comes to only Rs.1, 50,000. The maximum amount of interest that will be allowed as a deduction while computing the income of the individual from all sources taken together is restricted to a maximum sum of Rs.1,50,000/- per annum.

Thus, the entire interest payment of say Rs.1, 50,000/- would be allowed as a deduction to this executive from his salary income of Rs. 5 lakh. This implies that the executive would be saving income tax on Rs.1, 50,000/- being the interest payment. The tax saving would be at the rate of 33% being the maximum marginal rate of income tax applicable to him

Thus, the saving on account of deduction of interest from the total income for salaried executive comes to 49,500. Hence, we find that from the total interest payment of Rs.1, 50,000/- payable by the executive on loan of Rs. 20 lakh @ 7.5 % interest has actually been paid by the income tax department by granting him full deduction in respect of such interest payment on loan. There by the net outgo of interest on the loan comes to Rs.1, 00,500/- (Rs.1, 50,000 – Rs.49, 500). Thus the net impact of interest on the executive’s loan of Rs.20 lakh comes to Rs.1, 00,500/-. This in fact, is just 5.02% rate of interest per annum. If we go a step further and take into consideration the impact of tax saving as a result of the deduction from taxable income on account of home loan principal repayment. We find that the said executive is able to save income tax to the tune of Rs. 30,000/-. Hence from the above amount of Rs 1,00,500/- if we deduct Rs.30,000/- the net impact comes to a mere Rs 70,500 - Rs.1,50,000 interest Rs.49,500/- tax saving on interest payment Rs.30,000/- cash flow saving as a result of principal repayment.

Thus, on a total loan of Rs.20 lakh, the net impact of out flow after tax comes to Rs.70, 500/- which means effective interest rate of merely 3.525% in respect of a Rs. 20 lakh loan.