Friday 4 February 2022

Pay in Black


“Sir, if you are coming to finalize the deal I can pick you up from the university”, Anil said, barely able to conceal his excitement of clinching a property deal.

“But let me see it one final time today again. Can you ask Santoshji to be there? Also, tell me if society patta can be transferred in my name?” I interjected. 

Hardly a minute had passed when my phone rang again. “I have Santoshji on a conference call. Talk to him. He will take you around in the villa and answer all your queries”, it was Anil on the line again.

“Santoshji, can you show me around explaining the features of wardrobes, kitchen, water tanker, and water supply as well. Also, tell me if you can transfer the patta”, I asked Santosh, the developer, matter-of-factly.

“I will get you the registry. Patta cannot be transferred”, he said emphasizing on the registry. “Will you have 90B?” I inquired. 




“90B is 90A now. We don’t have it”. 90A certifies transfer of agricultural land to residential use. “I can stretch my budget to 25 at the most,” I blurted out seeking a bargain.

“You can take a loan. You will get it at 8 percent from Can Fin, a subsidiary of Canara Bank. I have spoken to the bank”, he sounded more confident this time not in a mood to allow a cut of 7 lakhs.

Anil picked me up from the foot of the over a bridge near Jeevanrekha hospital.  By the time we reached the villas, Santosh and his partner were already there.

The four villas looked freshly painted, joined by common walls. Santosh had connected one of the villas from an electric pole outside. “We will give you wardrobes, modular kitchen, a television point, and electric fittings”, he said, leading me into the first villa. “We are giving you two washrooms – one Indian style and one western-style”, he said peering into a 2x6 dark structure on his left where there was no toilet sheet and tap points jutted out of the walls. The Indian-style toilet located on its opposite side was even smaller.  

“Where will I get water from?” I asked, looking around the vacant plots, a patch of green, and a few scattered houses, villas, and bungalows.

“You can get this tank filled either by a water tanker or take a connection from a bore well if a farmer is ready to connect your villa to a water tank”, Santosh said, lifting the cover of a water tank in the parking space. “This can store 4500 liters to 5000 liters of water. Half of it is still filled”, he said pointing at the water which looked black in the absence of light.

“I will fix a glass on the balcony parapet and a horizontal fiber decoration on its left. I have built it with a lot of care. Look, I have tiled both the roofs. I will provide a plastic water tank each on the first and second floors” Santosh said, following me on an iron staircase to the second floor.

“There are a couple of temples nearby and there are also shops on the road”, he added pointing out to his left and right.

“Let’s sit in your office”, I offered.

“Bring four tea”, Santosh ordered while getting into a couch in his office.

“I don’t take tea”, I said, placing myself into a chair.

“Take coffee then”.


“I don’t take that either. How much will I have to pay for registration and other things”, I said, veering the conversation in another direction.

“You will have to pay 80 thousand if we go for a registry of 10 lakh. The rest you can pay in cash”, Santosh said, his tone reflecting righteousness.

“I would rather pay the entire price through a cheque”, I protested, the Gandhi in me preaching against dishonesty.

“You will have to pay us some cash. Otherwise, we will have to pay GST to the government”, he argued.

“Haven’t all property transactions become cash-free after the introduction of GST and RERA?” I asked.

“No. You can pay through cheque for a JDA-approved flat. But not for a villa. Here you will have to pay part of the price in cash”, he declared his tone reflecting firmness. 



Dr. Narendra Kaushik, Dean, School of Mass Communication, JECRC University, Jaipur. 

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