The 102 Flats near Joka metro | 0 EMI scheme by PS group
By Pratik Balasaria
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Buying a flat is as exciting as it is harrowing. The excitement is related to the new spaces and lovely that one can enjoy while the despair is about the amount one ends up spending. The budget is one of the main factors that decide the flats in Kolkata that we buy. This 0 EMI scheme was introduced by the PS group for their flats at the 102 is a great game-changer. 

The 0-EMI scheme for Flats near Joka metro- the 102!

Flats near Joka metro

If you’re looking to buy Flats near Joka metro at our upcoming project- The 102- you’re in luck. Our tie-up with reputed financial institutions like HDFC Ltd and ICICI will offer you a proposition previously unheard of in Kolkata! Here’s how it goes:

  1. Let’s say you intend to purchase a flat at 102 costing 50 lakh INR. 5% of this price amounts to only 2.5 lacs of payment.

  2. Of this amount, the bank disburses 80%, while you commit to a down-payment of 20%.

  3. A token amount of 21,000 INR+ GST is retained to hold the flat of your choice for you and complete your booking formalities. 

  4. Our partner bank checks your documentation and credit score to ascertain the 80% eligibility criteria loan.

  5. If eligible, you pay the remaining 5% i.e. deducting Rs.21000 from the entire sum which is already paid to hold the apartment.

  6. As soon as the agreement is executed, the bank disburses the amount to us and your Pre-EMI cycle starts. 

  7. Typically an EMI is made up of two components, namely, the interest and principal. If the customer pays only the interest, it is called Pre EMI. 

  8. As per our scheme, you have to pay nothing until possession of the Flats near Joka metro once you have cleared the 5% payment! You need to pay the pre-EMI, that is, the interest component until you receive possession, to the bank, and the same amount will be reimbursed by the developer in the same month itself. This process happens before you take possession of your flat.

  9. You have to pay the remaining 15% upfront at the time of possession.

  10. And now your regular EMI cycle will begin.

Benefits of the 0-EMI scheme 

Now that we know how the scheme works, let’s elaborate on how this benefits you:

  • You only pay 5% upfront to book the house
  • Also, you can avail tax benefits to a certain limit on paying Pre EMI on the home loan.
  • You don’t have to pay any EMI (money) for 2 years until possession. This means there is no extra financial burden on you apart from 5% money. You can just pay your rent until possession or invest the money somewhere else.
  • Only after possession, you start paying your EMI 

Benefits of buying Flats near Joka metro at The 102

Several infrastructural projects have been assigned by the government which has steadily improved the connectivity in and around Flats near Joka metro. Let us take you through some reasons why you must invest in flats in Joka for sale in 2021.

1. Metro Connectivity for Flats near Joka metro

Many residential projects offering ready-to-move flats in Joka have an uptick in demand. This is because of the upcoming metro line which will soon complete. The Joka BBD Bagh connects the district between Joka and Taratala including up to 6 stations. A new sanction includes an extended line that stretches up to IIM and Diamond park. Thus, helping these Flats near Joka metro connect with the rest of the world. 

2. General connectivity     

Flats near Joka metro are well connected via four-way highways and roadways. The airport is located at a distance of about while the New Alipore railway station is at a mere 7 km distance. Joka has well-developed bus routes and tram services for easy access to the neighbouring areas for all residents of Joka.

3. Social infrastructure  

The social infrastructure made available to residents of flats in Joka is second to none. Whether you stay alone or with an extended family, you will find close-knit communities that you will grow to love. From an education standpoint, Flats near Joka metro have several schools such as The Delhi Public school, Mount Litera Zee school, and Vivekananda Mission school nearby. Several nursery options are also available for the little ones. With respect to health and medical facilities, Joka has services of the ESIC along with Thakurpukur Cancer Research Hospital and The Kasturi Medical Center that offer technologically sound health care services to its residents are at a stone’s throw distance from our project.

4. Leisure and Recreation      

The diverse facilities on display at PS 102 include well-fitted pools, gymnasium facilities, clubs, state of art sports centers for recreation that will leave you mesmerized. Apart from these, the neighborhood has various parks and civic amenities that you can enjoy with your family and friends.

5. Pricing 

Apart from the hard-to-believe Pre-EMI scheme on offer for flats at PS 102, flats for sale in Joka are at an affordable price point to neighboring properties in Kolkata. This locality is still upcoming in comparison to settled neighborhoods like Ballygunge, Alipore, or Sarat Bose Road. This factor leaves room for significant capital appreciation in the future which makes Joka a viable investment option as far as real estate investments go.

Experience affordable Flats near Joka metro

The zero EMI scheme introduced by PS group has opened new doors for home buyers looking for the best lifestyle within a restrained budget. The most affordable Flats near Joka metro are possible only because of PS group’s 0 EMI scheme.


Where is 102 located?

102 is located in the upcoming neighbourhood of Joka, Kolkata.

What outdoor amenities are available at 102?

Some of the outdoor and recreational facilities available at 102 are a natural pond with indigenous fish. That’s not all, there are also butterfly gardens, flower gardens, zen gardens, sculpture gardens, water cascades, yoga lawns, acupressure walkways.

How does 102 focus on sustainability?

This residential complex at 102 comes with solar panels, energy-efficient lights and even provides charging stations for green vehicles. 102 has also been given the title of a green building and awarded a gold certification from the Indian Green Building Council.

How is 102 setting new standards of architectural excellence amongst other flats on DH road, Kolkata?

No other residential complex matches 102 in terms of architectural excellence. This is because these 2 and 3 BHK flats in Joka have been designed by one of Singapore’s most cutting edge architects – SRSS. and constructed using South Korean Technology. Moreover, these flats on DH road are spread on 5 acres of lush green land.

What other amenities are available at 102?

Buying a flat at Joka in the 102 offers both indoor and outdoor facilities like state-of-art mini theatre, gymnasium, squash, and badminton courts. It also comes with an indoor arcade, mini football, and cricket courts, a library, banquet hall, and even a business centre for all your needs.

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