Now let me tell you what this place has to offer in its opportunity box. If we talk about the health care facilities then I must say Wagholi has the some of Pune’s best hospitals in its close proximity that are Ruby Hall Clinic and Jahangir Hospital. These health care centres are very well known for providing top quality health services in the city to the citizens.

From education point it has many world class schools nearby like Lexicon International School, VIBGYOR International School, ORBIS International School, City International School, etc are just the few names. These educational centres have syllabus ranging from SSC to CBSE to IGCSE. One can choose from different options whatever is best suited to their child’s need. If an area has education advantage which is the priority of most of the parents becomes hot spot for buying residential properties as we all want our kids to go to nearby quality education centres rather than travelling miles to reach school and spending a major time of day in commuting to school.  For elder kids and migrating students Wagholi offers many educational institutes in all streams whether it is engineering, science, commerce, arts or management. One can get cheap accommodation along with low cost of living and easy commuting facility of transport in this part of city. All these factors make it a wonderful and economical place to live.

The close proximity from industrial areas like Kharadi, Chakan and Ranjangaon are the added advantage to Wagholi. It comes under SEZ which stands for special Economic Zone. Therefore plenty of employment opportunities are there and many more to come up in near future.One can get plenty of job opportunities as many IT companies have established their offices here as the cost of establishment is low and land is cheaper as compared to other parts of city. Sungard, Zensar, Mphasis, Synechron Technologies are some of the IT companies in the area. Chakan and Ranjangaon come under MIDC and are industrial areas open for unlimited employment opportunities with multinational companies like Volkswagen having their plants here. LG and Videocon consumer durable industries are in Ranjangaon currently and many more are expected to come. This place is not dependent on any one industry for its development as it has more than one flourishing sectors to contribute in growth like IT, automobile industry, consumer durables, education, etc.
If we take real estate development then no doubt it can be the perfect place offering everything that is required for the growth of a place. Big developers are already targeting Wagholi with their luxurious residential projects at an affordable price. Wagholi is one of the few parts of Pune that offers the lowest real estate rates in the city. The rate in this area is Rs.2600 per sq ft to Rs.3000 per sq ft which is too affordable as compare to the rest of the city and nearby areas like Kalyani Nagar or Koregaon Park that have rates like 5200 to 6050 and 7300 to 8550 per sq ft.

Wagholi could be the perfect settings for your child to discover life. With many reputed schools in its vicinity, you can take your pick. City International school, Lexicon International school, VIBGYOR International school are just some of the schools that follow the IGCSE curriculum. Others like the ORBIS International school offer CBSE syllabus and there are many more that offer SSC and HSC syllabi. So you can choose what’s best for your child and watch him/her bloom!
Presence of many engineering, science, arts, commerce and management colleges makes Wagholi a wonderful destination for students from all over the country. Affordable accommodation, living costs and convenient transport makes it a great place for students to stay. This also gives it a very cosmopolitan feel.

B.U. Bhandari’s Chrrysalis is one of the finest residential projects of row houses in Wagholi. Neo City which consists of one and two BHK apartments is another very affordable residential project in Wagholi. There are many more coming up. It can serve the perfect place for you and your family as it has all from shopping centres, educational institutes, and quality health services to employment opportunities. Ishanya mall, Inorbit mall, Tathastu, Bonsai, Nucleus Mall, etc are in the close vicinity of Wagholi and gives a complete treat to shopping lovers. Chokhi Dhani, hotel Log Inn, Barista, Papa Jones, Kapila Resort are some of the places to satisfy the taste buds here.

In short, Wagholi offers a complete package to its residents and investors and in near future it will emerge the new realty hot spot because it has much more scope of development as compared to other such places in the city that have almost saturated and touched sky in real estate prices.

Ruchi Mahajan

Common wealth games

The common wealth youth games in the year 2008 have changed the looks of Balewadi completely. Because of the Games held in Balewadi it was compulsory to develop the nearby areas. In order to make it look it got plenty of developments like wide roads, street lights, cleaning of surroundings, regular bus services, etc. It helped the area look good and gave opportunity to developers to come up with new projects. The closeness to National Level Stadium is proved to be the positive point for Balewadi.

Closeness to expressway

No doubt if any part of city is close to a high way it works in favour of that area as the connectivity from other parts increases. Same thing happened in Balewadi. It is located very close to Highway and thus the development in the area is very fast.

Proximity to Hinjewadi IT Park

It is the best place to stay if you are working Hinjewadi IT Park. There is more than 50000 people work in Hinjewadi and to fulfil the demand for residential property of these working population developers came with many new residential projects and thus the prices have gone up.

Well connected

It is a place which is very well connected to Baner, Aundh, Pashan, Wakad and Hinjewadi through high way. A road has been proposed from Medipoint Hospital in Aundh to Baner Petrol Pump and to Balewadi will reduce the distance between Aundh and Balewadi. The work seems in progress and when it will complete the place will have much higher value then today. The roads play important role in boosting the development in a particular area and Balewadi has really good wide roads again due to Games held in 2008.

Availability of land

After complete saturation in Aundh builders started looking for place in Baner and now they turned to Balewadi which has all the advantages apart from cheap land and that to in plenty as most of all farmers are getting rich by the rates they are getting by selling their agricultural land.

Affordable property rates

Initially, I would not say today, the prices were very affordable as compare to Aundh and Baner area so people started looking for residential properties in Balewadi which now became a prime location in Pune.

Restaurants, clubs and five star accommodation in proximity

From the time of common wealth games the place and surrounding got a facelift and thus the accommodation requirement for foreign guests encouraged star rated hotels to choose this location. Currently Holiday Inn, Sayaji, Sadanand Residency, VITS, Pancard Club are some of the well known names in hospitality services in close proximity of Balewadi.

The entry point from Mumbai

It has become the best place to invest for Mumbai investors as the entry point from High way is almost in Balewadi as there are two ways one enters directly in Balewadi and other is from Baner road that too is very close to Balewadi.

PMC bus service

Balewadi has another advantage of transportation facility. It has regular bus service from Balewadi to other parts of city and it makes the commute easy for daily transport service users.

Natural surroundings

This area is surrounded by lush greenery and hills that gives it a perfect place for nature lovers who want a slice of nature every morning from their very own window. It helps the developers to sell residential projects very fast in the area.

Hospital, schools, colleges, day-care centres

All basic necessities are just round the corner for example supermarkets like Food Bazar, More, D-Mart, schools, colleges like NICMAR, MITCON, NIA (National Insurance Academy), etc are in close proximity of Balewadi. Plenty of day care centres and primary schools are also there. Hospitals on Baner Road, Aundh and Pimpri Chinchwad can be easily accessible from Balewadi.

In short we can say that Balewadi has got a boost due to its locational advantage and it will remain on the path of development until the point of saturation.  There are many luxurious Residential projects in Balewadi like Park Express, Supreme Palms, Prakritti, Comfort Zone, Sapphire Park, Sai Canary, Elite Empire, etc and many new projects are in pipe line. It is becoming the new address of Cosmo population in West Pune.

Ruchi Mahajan

Education centre
Pune is serving students from all over the country by providing quality education. Today the number of students as well as number of education centres has increased three fold. Pune has some of the best institutes in the world and that makes Pune the most appropriate choice for students across the country. It is wise to invest in a place that is a education hub as the demand for rented accommodation will always be there and once spending three four years in Pune students prefer to settle down here as plenty of job opportunities are available here.

Manufacturing hub
Pune is the manufacturing and industrial hub since 1960. It is one of the most important automotive hubs because of the proximity to Mumbai, favourable climatic conditions and talented man power. Big players in Pune include Tata motors, Bajaj auto, fiat, Volkswagen, Mercedes Benz, General Motors, Force Motors, Mahindra Navistar, JCB, Premier Automobiles, etc. If we talk about consumer durable industries then Godrej, Whirlpool, LG, Sharp, Haier, etc are here.

IT Industry
Pune is mostly recognised by its flourishing IT sector which is developing at a fast pace day by day. All big software firms including Infosys, Wipro, TCS, Persistent, KPIT Cummins, Tech Mahindra, IBM, etc have their base in Pune. Many IT parks are already there and new ones are coming up. So the city is pulling in the professionals from around the country. It is one of the factors that have contributed to real estate development as the residential demand has increased. Investors find a place promising where real estate sector expected to boom.

Political scenario
Stable political conditions in the city makes it a perfect place to invest. Pune has always been a peaceful place if we compare it to other big cities of India like Hyderabad or Bangalore. Hyderabad witnessed political agitation and thus not the best place to invest.

Climatic conditions
Nature is also in favour of the city. Pune’s climate is quite comfortable and pleasant. It has sizable green cover, natural surroundings and rivers make it a perfect place to live or choose it as a retirement home. The favourable climate also makes Pune first choice for companies and industries to settle here and thus contributing in fast overall development.

Land availability
Pune has advantage of space. there is plenty of land available to boost further development that is why companies are coming to Pune if they require big size of land that to at an economical rate.

Economical rate
The cost of living in Pune is not as expensive as its counter parts or other big cities like Mumbai or Bangalore. The real estate prices are also affordable that encouraged people to come here.

SEZ operation
SEZ is the advantage Pune city has. Pune is the only city which has an operational IT SEZ. SEZ stands for special economic zones that have economic and other laws that are more free market oriented than country’s national laws.

High acceptability
The Cosmo culture of city has a high acceptability rate that encourages new changes and developments. Firms find a positive environment to open up their units here.

Positive environment
The population in Pune provide positive environment to the people coming from other places and this homely feel makes them to stay here or make it their second home.

Retirement home
When people come here for education purpose they find their comfort level in every aspect of life and that is why they like to come back this place if they left. Most of them buy properties to settle down here later as their retirement homes. Pune has huge army base and many of the army personnel choose Pune to live after their retirement. Many Mumbaikars prefer Pune to live after their retirements as the cost of living and the real estate prices are less in here apart from the peaceful environment it has for all.

Commute time
If we see the time saving factor then we must say this is the city to look for. It takes just 30 to 35 minutes to cross the city. It is now getting crowed but still it is better than other cities. People can live near their working place and it diminishes the commute time to work place. For example people working in Hinjewadi live in Baner, Balewadi or Wakad that has good standard of living.

Quality construction
Due to a huge population of working professionals who earn handsomely the demand for better and luxurious lifestyle increased and thus the builders and developers have come up with projects that fulfil quality standards along with luxurious lifestyles. Earthquake resistant structures, eco friendly homes, waste management, rain water harvesting, luxurious amenities make properties more attractive and worth investing. Developers give a grade construction quality to their consumer that helps the buyer to be positive about their investment.

Ruchi Mahajan

With the increase in interest rate once again how the real estate market is affected? It directly affected the sales. The sales have diminished and the absorption rate has changed. The third quarter of last year 2010 has shown steady growth and the same is seen in the last quarter of 2010. Even the first quarter of the current year 2011 has given progressing results of sales. But the second quarter has shown a fall in the sales of new units in real estate. It can be associated with affordability issues as the prices of properties are sky mounting due to inflation and increase in construction costs. Apart from that the borrowing costs is becoming a burden for the buyers  who are expecting to face cash crunch due to increased EMIs as a major portion of their monthly pay. As per the report published in Morgan Stanley the sales in real estate all over India have seen the fall of average 10 percent in the last three months that can be an indicator of effects of global recession in current time. If we see the statistics and compare the results of last two quarters then we can see there is a gap of 3000 units which shows the fall in demand in property around the country. If we talk about Pune the things are not that bad in here as compare to other places. May be the scenario can change in the coming two to three months. The absorption rate in Pune is the highest that is 20 percent as compare to an average absorption rate of country has shown a fall from 17 percent to 14 percent. The absorption rate can be calculated by dividing the total new sales of units by total unsold units of home. Mumbai has witnessed the lowest rate of absorption of just 6 percent. We can blame to unaffordable price levels for this situations. Not only the high prices but also the cost of loan is contributing to the lack of sales. Buyers are expecting a price correction as they think that the prices have touched the top and it is time to take down turn soon. These kinds of sentiments are driving the market.

The other side is of developers who are in a rush to sell the units of inventory in order to minimise their unsold inventories before the down turn starts. That is why pre launch offers are getting popular. Some big project builders are facing cash crunch due to cost of material, inflation, difficulty in raising money from banks and financial institutes, low sales due to market sentiments, etc.  The situation is getting worse in other parts where developers have to sell their land assets to complete their ongoing projects. DLF who is one of the biggest real estate players in India is among the big developers who sold their land assets to cover costs as the banks are becoming cautious and selective in lending money to borrowers. DLF is planning to sell more lands worth thousands of crore to raise funds. Banks now prefer those borrowers having good track record of repayment and credibility. The developers especially small one are cutting on margins of profit in order to boost sales from 30 to 50 percent in boom time to just 5 to 10 percent that is huge cut from their side. According to a research it is expected that the margins will remain under pressure in coming time of three to six months. The absorption rate may increase with lowering the margins by the developers.

The construction rate is also declined in the country due to many reasons including sales decline, inflation, price movements, delay in approvals from government authorities, etc. The pre-sales has significantly dipped in the current quarter as compared to previous quarter of new residential projects in Mumbai. Unitech and India bulls also faced the same problem of sales decline and thus the scenario has affected the new constructions.  In short we can say that the interest rate, RBI’s revised lending rates, market sentiments, price escalation, global economical fluctuations, poor stock performance, government policies are some of the factors hitting the real estate industry badly.  Coming quarter will decide the growth path for Indian real estate market.

Ruchi Mahajan

If we are looking for a property for future use or for investment purpose then we can go for a distant place that can assure future appreciation in prices, a place which is not developed yet but is showing bright signs of development.

If we talk about Pune which is expanding in all directions possible in a fast pace, has some areas that can assure you definite price appreciation in property along with good living of standards with all necessities around the corner. These areas are Wagholi, Kharadi, Chakan, Hinjewadi, Talegaon, etc.

Talegaon is the best bet to go for in my opinion. As it comes with plenty of advantages like on the top is its proximity to Mumbai and Hinjewadi, natural surroundings, easily accessible from old and new highways, many new companies specially automobile companies are choosing Talegaon for new investments and thus along with employment opportunities residential property demands will automatically increase and all of us know when there is a demand there is price rise. Companies like General Motors which already has production unit in Talegaon, L&T, Bajaj and Jindal groups are having plans to set up units in Talegaon. It is in process currently but no doubt in coming three four years you won’t be able to recognise new Talegaon with sky touching prices of real estate and all the facilities like health care, shopping malls, schools, colleges, big and small townships will be there and then it will be too late to invest in that areas as it may or may not be in your budget. Currently one can go for row houses in the price of a flat in pune but that time an apartment may seem to be costlier to buy. It is said that the right decision at the right time is fruitful. We must have experienced here in Pune that many people of Mumbai invest in properties in Pune because of investment purpose or for retirement home or a second home and we cannot deny that this factor plays significant role in property price rise in Pune. Now Talegaon seems very attractive to not only Mumbaikars but to Punekars as well for an investment opportunity because both the cities are now almost fully saturated and the peace has gone away apart from the high price factor. The day is not far when this beautiful place Talegaon will be a fully developed city with same sky high real estate rates.

The fact is that one must take the opportunity when there are chances of appreciation and Talegaon is worth investing. It has all the sources, employment opportunities, connectivity to Pune Mumbai and Nasik, natural bliss, favorable climatic conditions, low population, on top of all current real estate prices are quite low as compare to Pune. Currently there are plenty of options available like 1bhk, 2bhk, 3bhk, row houses, villas and developed plots to choose from but later the scene may not be the same. Here the point to be noted is the return on investment is sure and safe but in the long run not in short run. The development is in progress at a fast pace but it will definitely take some time to come to life of a city. The average price per square foot in Talegaon is around 2,471 where as for houses it is slightly more 4547per square foot and residential plot is available for approx Rs. 682 per sqft only.

Angel hills by Om Developers, Latis by Kohinoor group, Silver winds by Manav Promoters, Vision city by Siddhivinayak group, and Flora city by Namrta group are some of the residential projects in Talegaon.

Ruchi Mahajan

Uncertainties are all around as some predictions are in favour of real estate and some are against it. If we take the current market prices of properties in Pune city then it is clear that slowly it is becoming just unrealistic to afford a 2BHK in Pune. Apart from the cost of a 2BHK the interest rates are also too high to materialise the deal of purchasing a property. Some views are like that there will be some correction but how much no one knows. What will happen to the future real estate market of India if the present state of affairs continues in coming years? The answer is the sale will go down because if the common man is not having purchasing power then how will he be able to think of buying a property that is just impossible to afford. He would prefer to have a rented accommodation instead of buying a home.

If one waits for the correction in the prices then how much correction he can expect. If we analyse the past then we can see that in the year 2008 when the economy slowed down, the impact was clearly seen but the real estate prices never came down. I agree the fact that they were not rising at that moment but they were stagnant because of lack of demand and downfall of IT industry due to world economy slow down. Today the scenario is that World economies are recovering, Indian economy is giving good signs of growth and thus the demand is rising for real estate. This demand has made the reality sector mad and the prices went up like rockets which seem to be unrealistic to touch. Here are some points that can contribute in downfall in demand of real estate:

• The banks have increased the borrowing rate that is another slap on the cheeks of a home buyer.
• Inflation has left us with no option then to criticise the government whose ultimate target of economy growth on paper is almost achieved.
• Significant increase in Transportation cost due to petroleum price rise has contributed in acceleration of inflation.
• As per the news Reserve Bank of India has asked banks to accept 20 percent of the house value as equity portions from the buyer and it will make the buying process more difficult for the end consumer. All these are just making it more and more difficult for the prospective buyers to buy their dream home.
• The builders and developers are having fund crisis if the project is not booked on time due to rising borrowing cost and the delay in the project can cost a buyer who has invested in that particular project. That is why nowadays builders and developers are giving prelaunch offers on the properties but the buyer never knows the future of it.

In short I would like to suggest you that if you are a first time buyer then be very careful and give it a big thought that how much amount you can actually afford to pay for a two room house as ultimately all the fancies of luxury lifestyle fade away when you have to cut short your basic expenses and have to pay hefty loans from your hand tight budget as the inflation will never come down in near future. It will go up and up and cannot be compared to the salary hike in any industry. Now the prices are touching to Rs.1 crore in prime locations (I don’t know whether they should be called prime or not) like Baner, Aundh, Kalyani Nagar, Pashan, Hinjewadi, etc. What do you think after twenty years can you get 2 crore of that property? Think about it as you not only invested money in it but your time, your loan EMI stress for twenty years apart from cutting down so many holidays you could have enjoyed if loan was not that big?  How much price can rise? There is a limit always. Don’t just get away by the fancy brochures of big builders and promoters as the ultimate goal is to find a house that is affordable and can give you a good night sleep for the next twenty years. The government must take some actions to control the real estate prices in order to make it affordable for everyone in the country as the prices are crossing the levels of property prices in developed countries. It may take a u turn if not controlled in time. Just be wise and take wise decision by investing in the right budgeted property in the right location and keep all your finances in your control.

Ruchi Mahajan

Theses art homes are made with hundred percent stones. The second and the most attractive thing is a 60 ft indoor waterfall that is unbelievable. When you enter the bungalow first you see the Australian grass welcoming you with flower beds both sides. There is a spa room, personal gym equipped with all facilities and a glass lift to take you upstairs. Wall is decorated with exclusive painting of artist Prakash Ghadge and the ceiling with rectangular chandelier. The ceiling is quite high for ample air flow while windows are also unusually high. There are two private pools and one open air Jacuzzi that can take you to the upmost comfort and relaxation time. The main attraction is the deck side that has the special 60 ft waterfall and your own infinity pool.  The deck is made of wood.

Next comes the stylish modern kitchen which has crockery and cutlery made of 100 % kansa what else you wish for. It is a mix of copper and tin that is known to retain nutritional value of food as per Ayurveda. There is one sky bedroom that can take your breath away along with giving you opportunity to gaze stars in a relaxed night. The master bedroom is cosy yet wonderful place fully decorated and with beautifully carved wooden bed. It has a balcony that can give you view of the waterfall. The guest bedroom has an attached bathroom and balcony to enjoy outer views. The furniture is made of mahogany hardwood that is very stylish and eye catching. For walls various natural stones are used from different parts of the country and outside the country from Rajasthan to Kathmandu. The sanitary is from premium Kohlar fittings. One of the most important things is that the Feng shui principles are followed in the house as the laughing Buddha, mirrors and pyramids are placed in the house.

For the safety and security reason CCTV cameras are fitted in the house and intercom facility is provided. It is not all as there is solar water heating system and a water filtration plan. The project is fully loaded with white goods and ready to welcome the prospective buyer.

These luxurious art homes are brought to you by the Sippy housing, Mumbai. The location of the project is at Varsoli, Lonavala which is on the way from Pune to Mumbai.

Ruchi Mahajan

Location:

How to get there: Go straight from Koregaon park north main road until the dead-end, take a left and go 3 Kms. straight, cross the bridge and enter into Keshavnagar. Once you are in enter Florida estate on your right which further leads you to Oxford Village.

Distance from GPO: 10 kms.

As simple as the name sounds, Keshavnagar is just another location in Pune where you will see the usual traffic, rough roads, Pan shops, canals, crowded streets with people crossing pathways on their will etc. When I reached there I felt that there was nothing new. It’s like I have seen and experienced it all… So I asked my colleague why the hells are we here? I soon realized and got an answer the moment we entered a place called Oxford village. This is a small bungalow society consisting of merely 40-50 bungalows. But honestly, I have never seen such quality of architecture and use of space even in the developed countries. It was stunning. Even that could be an understatement. Once you enter the society there is no way you can look ahead while driving. Mansions, Glass bungalows, wooden exteriors, lavish landscapes, huge internal swimming pools, private basketball courts and more, all made to perfection. Obviously not to my surprise soon I was seeing Garages and porches stacked with luxurious and exotic cars.

That’s not all. This society has state-of-art service apartments for the member’s guests to stay. The digital cameras and security systems in each bungalow are class apart.

Another interesting fact I noticed that all Bungalows are painted white. This makes the entire society look elite and polished. Plots are in the range of 10000 sq. ft. to 20000 sq. ft. and most of them have a private jogging track. They even have a private police station inside the society!! More to it they have security guards and check post on every turn which I guess is such a huge safety measure.

We saw a couple of vacant plots and inquired about the pricing in the society. Based on the information we got the pricing ranges from 4000 to 8000 rs. Per sq.ft. Which according to us is quiet reasonable, compared to the rates in other polished areas in the city.

All in all this was yet another surprise in the real estate sector the BharatEstates.com team experienced. And we are more curious to explore the next destination. Keep posted for more real estate insights!

 
Buying of real estate properties entirely depends upon the individuals, whether to buy Pune property as an investment or to reside. The decision of buying a flat is usually made either to go for a ready possession flat or book a flat in an upcoming residential project. The ready possession flats are usually of two types: New readily available flat in a completed residential project and second sale flat.

 
Flats in completed residential project are new and the transaction is usually between the builder and the buyer. The rates may vary as per the locations and the facilities and amenities in the project. The second sale flats are old and already in possession of the owner and the rates may vary as per the locations as well the year of construction. The transaction of second sale flat is between the owner of the flat and the buyer.

When a buyer goes for a ready possession of flats in Pune, it is advisable for them to make a checklist to ensure the apartment is according to plan, are there cracks or major repair work, whether there are legal issues or the documentations and paper works are actual and right before taking possession of the flat.

Ready Possession Flats In Pune

Hot Locations

Baner,  Bavdhan,   Wakad,   Wagholi

Pimple Saudagar,  Kondhwa,  NIBM

Check out hot deals on ready possession flats in Pune here.

Some of the major projects in this area are Kumar Builders’ Cerebrum IT Park, K Raheja Corp, Commerzone and Weikfield IT City Park by Vascon.

Kharadi has emerged as hot destination for residential properties as the prices are not that high as compare to other prime locations of Pune. Here 1BHK costs around 21lakh, 2BHK costs 39 to 40 lakh, 3 BHK costs 55 to 60 lakh, 1 BHK houses cost 20 lakh, 2BHK houses cost 50 lakh, 3 BHK houses cost 76 lakh.

Some of the good projects in Kharadi are Geras Green Ville (3, 4 bhk villas), Gulmohar Queens Town (2bhk apartments by Gulmohar developers), Colonnade (2 bhk by B. U. Bhandari), Gera’s Emrald City a child centric project by Gera Developers, Everglade (2,3 bhk apartments by B.U. Bhandari Landmarks , Kolte Greens (1,2 bhk by Sumirai Reality).

Property prices in Hadapsar area starts from 17 lakh for 1 bhk, 28 lakh for 2 bhk, 54 lakh for 3 bhk apartments. It is a good place to live as the place is very well connected and rapidly growing. Property prices in Viman Nagar are slightly high as compare to these two areas. If we see future of investment in these areas then good returns can be expected from properties bought here as the demand and growth rate are too high here today.

Ruchi Mahajan