H-338 New Rajinder Nagar

The deal

What is being bought, from whom, and on what terms.

Property

H-338, Second Floor, New Rajinder Nagar, New Delhi 110060. Entire second floor, without terrace roof rights. 200 sq yd plot, built-up approx. 1,323 sq ft (122.91 sq m). Plus a one-fourth undivided share of the stilt parking and servant space with common toilet. Freehold.

Seller

Gaurav Diwan, S/o Vipon Vinod
PAN AAKPD2969H · Resident Indian

Buyers, jointly 50:50

Vinod Anand, PAN ADUPA5544N
Smt. Binoo Anand, PAN AGUPA8469K

Varun is a non-financial co-applicant on the loan. Avisha is co-signee only; she pays nothing and services nothing.

Consideration

₹4,16,00,000
Circle-rate value ₹70,81,413.

Agreement to sell

Signed 5 Oct 2026, notarised
e-Stamp IN-DL15623105907114Y
Balance due to seller by 30 Oct 2026 under the ATS

People running this

Broker/dealer Sushil Gandhi · Loan DSA Amrita Roy (Urban Money) · CA Dheeraj

Why 15 October

Navratri 2026 runs 11 to 20 October and the whole period is self-auspicious, so no separate muhurat is strictly needed. Thursday 15 October is Panchami, a Purna tithi, on Guruvar: the best working day that week for property. Vijayadashami, 20 October, is the most auspicious day of the year but a public holiday, so the sub-registrar is closed. Griha pravesh is planned in two stages; see the Griha Pravesh tab.

Money

What has gone out already, what is still to arrange, and how the ₹4.16 cr splits.

Paid already
Date	Item	Amount	Detail
3 Oct	Earnest, Vinod	₹24,75,000	Axis cheque 186959
3 Oct	Earnest, Binoo	₹24,75,000	Axis cheque 207587
7 Oct	e-Stamp duty, 6%	₹24,96,000	RTGS to PNB e-Stamping Collection a/c 16651062000017, IFSC PUNB0166510
7 Oct	e-Registration 1% + ₹4,000 mutation	₹4,20,000	RTGS to J R Associates, SBI a/c 4184838553, IFSC SBIN0001706
7 Oct	Brokerage, first part of ₹5,50,000	₹1,00,000	Cash to Sushil Gandhi
Paid to date		₹79,66,000

Still to pay
When	Item	Amount
before 15 Oct	TDS, six Form 26QB	₹4,16,000
15 Oct	Axis DD to Diwan	₹3,50,00,000
15 Oct	Balance consideration, own funds (₹6,17,000 each parent)	₹12,34,000
at sanction	Processing fee, 10 bps + GST	₹47,200
at sanction	Term insurance premium TBC	TBC
on completion	Brokerage balance (₹5,50,000 total, ₹1,00,000 paid)	₹4,50,000
Own funds still to go out (everything above except the DD)		₹21,47,200 + insurance (TBC)

Axis DD to seller

₹3,50,00,000

The property DD is ₹3,50,00,000 (the ₹3.66 cr balance less 1% TDS).

₹4,16,00,000 = ₹4,11,84,000 to seller + ₹4,16,000 TDS at 1%

Own cash, all in

Everything the family pays from its own pocket, excluding the ₹3.5 cr loan and the earnest money that is already part of the price:

e-Stamp duty	₹24,96,000
e-Registration + mutation	₹4,20,000
TDS	₹4,16,000
Balance consideration	₹12,34,000
Processing fee	₹47,200
Brokerage, ₹5,50,000 total	₹5,50,000
Term insurance premium	TBC
Total	₹51,63,200 + insurance (TBC)

Term insurance premium: being finalised. Originally quoted ₹4,00,000, negotiated lower; final figure TBC.

How the stamp duty is built up

Delhi stacks three charges on consideration. Base stamp duty by gender: male 6%, female 4%, joint male + female 5%. Then 1% MCD transfer duty on anything above ₹25 L, then 1% registration.

Base stamp duty, joint rate 5%	₹20,80,000
MCD transfer duty, 1%	₹4,16,000
e-Stamp total, 6%	₹24,96,000
Registration, 1%	₹4,16,000
Mutation	₹4,000
Total registry cost	₹29,16,000

Registering jointly (male + female) saves ₹4,16,000 against two male buyers.

Money coming in

₹50,00,000 fit-out DD to Varun, after registration. Plus a ₹69,750 deposit refund expected from the Vasant Kunj landlord.

TDS, Form 141 Schedule B

Two buyers × three payment events = six challans, filed under section 393(1) of the Income-tax Act 2025 (the successor to 194-IA / Form 26QB). Total TDS ₹4,16,000.

Six Form 141 challans
#	Buyer	Tranche	Amount paid	TDS
1	Vinod	Earnest	₹25,00,000	₹25,000
2	Binoo	Earnest	₹25,00,000	₹25,000
3	Vinod	Axis DD	₹1,76,76,767	₹1,76,767
4	Binoo	Axis DD	₹1,76,76,767	₹1,76,767
5	Vinod	Own funds	₹6,23,232	₹6,232
6	Binoo	Own funds	₹6,23,232	₹6,232
Total			₹4,16,00,000	₹4,16,000

Tranche 2 (Axis DD) is deliberately grossed up so the net lands exactly on the ₹3,50,00,000 DD.

On every form

Total consideration ₹4,16,00,000, the full figure, not the half · Seller PAN AAKPD2969H · More than one buyer: Yes · More than one seller: No

Filing deadline Due

Within 30 days of month-end of payment: 30 November 2026.

Form 132 to seller Due

Issue to Gaurav Diwan by 15 December 2026.

When to file

Forms 1 and 2 now. Forms 3 to 6 are for money that moves on registration day, so they are filed on or after Thursday 15 October with that as the date of payment. All six fall due on 30 November regardless. Whether Axis wants a challan in hand before releasing the DD is Not confirmed; Amrita to say.

Field-by-field worksheet

Everything the portal asks for, in the order it asks, under the Income-tax Act 2025. Print the A4 version.

Identical on all six forms

Form	Form 141, Schedule B · TDS on transfer of immovable property · section 393(1), Table Sl. No. 3(i), Income-tax Act 2025
Old-Act equivalent	Section 194-IA · Form 26QB · Form 16B, under the 1961 Act, replaced from 1 April 2026
Where	incometax.gov.in → e-File → e-Pay Tax → New payment → Form 141 → Schedule B
Tax applicable (major head)	(0021) Income Tax, other than companies
Financial year / Assessment year	2026-27 / 2027-28
Type of payment (minor head)	800 · TDS on sale of property
Residential status of seller	Resident
More than one transferee / buyer?	YES
More than one transferor / seller?	NO
Total sale consideration	₹4,16,00,000 · the whole property, on every form, never the half
Total stamp duty value	₹4,16,00,000 · same figure; TDS is on the higher of the two
Date of registration	blank on forms 1 and 2 · 15/10/2026 on forms 3 to 6
Lump sum or instalments	Instalment · three in all · forms 1-2 First Instalment · forms 3-6 subsequent, quoting the previous acknowledgement number
Date of agreement / booking	05/10/2026
Rate of TDS · interest · fee	1% · 0 · 0

Seller · transferor · same on every form

PAN	AAKPD2969H
Name	GAURAV DIWAN
Category	Individual
Address	H-338, Second Floor, New Rajinder Nagar, Rajender Nagar, Central Delhi, New Delhi 110060
Mobile / email	from Sushil Gandhi · mandatory fields TBC

Property · same on every form

Address	H-338, Second Floor, New Rajinder Nagar, New Delhi 110060
Type	Building · residential flat

Buyer 1 · Vinod Anand

PAN	ADUPA5544N
Name	VINOD ANAND
Category	Individual
Address	4C/7, Old Rajinder Nagar, New Delhi 110060 · use whichever address matches the PAN record
Mobile	PAN-registered mobile · the OTP goes here
Email	vinod@vinodanand.com
Share · total TDS	50% · ₹2,08,000

Form 1 of 6 · earnest money File now

Date of payment / credit	03/10/2026
Instalment	1 of 3
Amount paid / credited	₹25,00,000
TDS to be deposited	₹25,000
Pay from	this buyer's own bank account
Challan serial / CIN	write it down once paid · Sushil needs it for the deed

Form 3 of 6 · Axis Bank DD On or after 15 Oct

Date of payment / credit	15/10/2026
Instalment	2 of 3
Amount paid / credited	₹1,76,76,767
TDS to be deposited	₹1,76,767
Pay from	this buyer's own bank account
Challan serial / CIN	write it down once paid · Sushil needs it for the deed

Form 5 of 6 · own funds On or after 15 Oct

Date of payment / credit	15/10/2026
Instalment	3 of 3
Amount paid / credited	₹6,23,232
TDS to be deposited	₹6,232
Pay from	this buyer's own bank account
Challan serial / CIN	write it down once paid · Sushil needs it for the deed

Buyer 2 · Binoo Anand

PAN	AGUPA8469K
Name	BINOO ANAND
Category	Individual
Address	4C/7, Old Rajinder Nagar, New Delhi 110060 · use whichever address matches the PAN record
Mobile	PAN-registered mobile · the OTP goes here
Email	binoo@binooanand.com
Share · total TDS	50% · ₹2,08,000

Form 2 of 6 · earnest money File now

Date of payment / credit	03/10/2026
Instalment	1 of 3
Amount paid / credited	₹25,00,000
TDS to be deposited	₹25,000
Pay from	this buyer's own bank account
Challan serial / CIN	write it down once paid · Sushil needs it for the deed

Form 4 of 6 · Axis Bank DD On or after 15 Oct

Date of payment / credit	15/10/2026
Instalment	2 of 3
Amount paid / credited	₹1,76,76,767
TDS to be deposited	₹1,76,767
Pay from	this buyer's own bank account
Challan serial / CIN	write it down once paid · Sushil needs it for the deed

Form 6 of 6 · own funds On or after 15 Oct

Date of payment / credit	15/10/2026
Instalment	3 of 3
Amount paid / credited	₹6,23,232
TDS to be deposited	₹6,232
Pay from	this buyer's own bank account
Challan serial / CIN	write it down once paid · Sushil needs it for the deed

Cross-check

Six × amount paid = ₹4,16,00,000 · Six × TDS = ₹4,16,000 · Net to seller ₹4,11,84,000 = ₹49,50,000 paid + ₹3,50,00,000 DD + ₹12,34,000 own funds. The earnest cheques were already netted: ₹25,00,000 − ₹25,000 = ₹24,75,000 each.

Five things that go wrong on this form

Entering ₹2,08,00,000 as the consideration (it is the full ₹4,16,00,000; the share is carried by the amount-paid field). Filing forms 3 to 6 before the money has moved. Entering the net DD figure ₹1,75,00,000 instead of the grossed-up ₹1,76,76,767. Paying one buyer's challan from the other's account; the credit must sit against the PAN that paid. Looking for 26QB or 194-IA on the portal: for payments after 1 April 2026 the filing is Form 141 Schedule B under section 393(1).

After each challan

Note the CIN. Download Form 132 (the TDS certificate, formerly 16B) from TRACES about a week later and hand it to Gaurav Diwan; six certificates by 15 December 2026.

Vastu, the flat

South-facing plot, east-facing flat. Road and gates to the south. Scored about 6.5/10 as drawn, 8/10 after the no-cost changes below. Staircase ascends clockwise, which is correct. All three toilets are attached to their own bedrooms and none faces the front door.

Furnished floor plan of the second floor, to scale — Second floor, furnished; to scale. Tap to enlarge.

Zones at a glance

North-westToilet, master'sCorrectly placed

North / NWMaster bedroom12'9" × 10'7½"Mummy and Papa

North-eastShrine + study + guest10'4½" × 16'0", largest roomNot a couple's bedroom, by design

WestStore + kitchenKitchen 11'10½" × 7'10½"Store is the old pooja room

CentreStairs, lift, passageFixed, structural

EastFront doorExcellent position. Two toilets along this edge.

South-westDrawing + dining15'7½" × 22'0"Heavy furniture, storage, safe

South-eastVarun + Karan's room13'0" × 10'0"Fire corner, cooled deliberately

SouthBalcony25'11½" × 2'11½"Runs along the front

Vastu cards

The five decisions that matter

Master bedroom goes to the north-west, not the big north-east room.
Shrine moves into the north-east corner.
North-east room becomes the study and guest room around the shrine.
Old west pooja room becomes a store.
South-east bedroom is for visitors, not the resident couple.

Colour guidance

Pale and light everywhere; drawing and dining is the one warm room.

White Cream Soft grey Pale blue Pale green Silver grey

Master: white, cream, soft grey, pale blue. South-east: white, pale green, pale blue, silver grey. Avoid red, orange, deep pink and maroon in that room; it sits in the fire corner.

Kitchen

The hob stays where it is for now. The chimney is already installed and the kitchen is recent. Plan a north-facing hob at the next refit in a few years; budget ₹3 to 5 lakh, mid-range, for the whole kitchen then.

Move-in actions: cheap now while the flat is empty, expensive later

Master to the north-west room
Shrine to the north-east corner
West pooja room becomes a store
Beds positioned per the furniture plan before anything else goes in
Heavy furniture and the safe to the south-west end of the drawing room
North-east corner of the flat kept pale and empty
Threshold at the front door; no shoe rack or mirror facing it
Central passage kept clear
Rock salt in the south-east toilet
Heavier curtains and taller units on the west side, for the afternoon glare

Beds and furniture

Three beds, placed per the furnished floor plan on the Vastu tab.

The three beds
Room	Bed	Headboard	Side space
Master, north-west	Old bed, no drawers, good mattress	South wall, head south	26" each side, 72" at foot
Varun + Karan, south-east	New bed, drawers both sides, 81" × 74"	East wall, head east, feet west	23" each side; tight, centre it
Shrine room, north-east	Vintage bed Size not confirmed	East wall, head east	Largest room

Beds, in brief

Old bed in the master (north-west), head to the south. New bed, drawers both sides, in Varun + Karan's room, head to the east. Vintage bed in the shrine room, head to the east; size still TBC.

Cupboards and TVs, from the marked-up plan

Master cupboard: east wall
Master TV: west wall for now. North wall if it is solid, to be confirmed from a site visit.
Shrine room cupboard: south wall
Varun + Karan cupboard: north wall
Varun + Karan TV: west wall

Temple and study table

Temple: 30" wide × 15" deep × 48 to 54" tall, floor-standing, with doors or shutters since it sits in a bedroom. Idols against the east wall facing west, so the worshipper faces east. Keep clear of that room's south wall, which backs onto a toilet.

Study table: 42 to 48" × 20 to 24" × 30" high.

Drawing room seating

The set is 1 + 1 + 3 + 2 plus a centre table.

1single armchair 1single armchair 3three-seater 2two-seater +centre table

Heavy pieces and the safe sit at the south-west end of the room.

Drawing room TV Open decision

Two options, not yet chosen.

A. TV on the west wall

Needs a new TV to be bought. The seating faces west; the room doubles as the family TV room.

B. No TV in the drawing room

The room stays for conversation and the balcony view. TVs only in the bedrooms (master and Varun + Karan's).

Griha Pravesh

Two stages. First the parents enter quietly and sleep in the house that night; the Vastu shanti and the house-warming follow once the furniture is in.

The family pandit's word overrides anything on this page. Dates, sequence and items below are the family's working plan; confirm each with him before acting.

Timing, shared by both stages

Registration is Thursday 15 October 2026, Panchami on Guruvar. Navratri runs 11 to 20 October and the whole period is self-auspicious, so Stage 1 can be the registration evening itself or any Navratri day after it.

Vijayadashami, Tuesday 20 October, is the single most auspicious day for a pravesh. It is a public holiday, which is fine for the puja and has nothing to do with the registrar.

Stage 1, Pratham pravesh	Thu 15 Oct evening, or Fri 16 Oct
Stage 2, Vastu shanti + house-warming	A date the family pandit confirms, after the move

Recommended muhurat, for the pandit conversation

Navratri 11 to 20 October 2026 is swayamsiddha, so the whole window is auspicious.

Stage 1, in order of preference:

Thu 15 Oct evening, after registration: Panchami on Guruvar.
Fri 16 Oct: Shashthi on Shukravar.
Tue 20 Oct, Vijayadashami: the single most auspicious pravesh day of the year.

Avoid Sat 17 Oct (Saptami on Saturday) and 18 to 19 Oct (Ashtami and Navami, kept for Devi puja).

Stage 2: the pandit chooses a Shukla-paksha tithi after the move; Kartik month, from late October, is traditionally favoured for Vastu shanti.

The family pandit's confirmation overrides anything on this page.

Stage 1: Pratham pravesh Parents only

A small private puja by Mummy and Papa, then they sleep in the house that night.

The sequence

Kalash at the threshold.
Break a coconut, then step in over the threshold with the right foot first.
Light the first lamp.
In the kitchen, boil milk in the new pot until it overflows: the first act of cooking in the house.
A short Ganesh and Navagraha puja.
Place the kalash in the north-east corner.

What to carry in

Kalash
Coconut
Rice, turmeric, kumkum
A lamp, with oil or ghee and wicks
A small idol or photo
Milk and a new pot
Flowers and incense

That night: the parents sleep in the house. The bed used that night is ideally in the master bedroom, north-west, with the head to the south.

Stage 2: Vastu shanti + house-warming After the furniture is in

A few days later. Vastu shanti homa with the pandit first, then friends and family.

Booking the pandit

Confirm the date and tithi after the move, not against registration day
Agree the homa duration and start time
Get his samagri list in writing; most pandits bring the havan kund
Confirm how many people he expects at the homa itself
Agree dakshina up front

What the hosts prepare

North-east corner of the flat clear and clean for the kalash and homa
Samagri per the pandit's list; fruit, flowers, sweets for prasad
New clothes for the parents; a cloth for the pandit's seat
Food for the guests after the homa; the kitchen's first proper cooking
Windows open for the havan smoke; move anything delicate off the floor nearby
Guest list and timings sent out once the pandit confirms

This stage is timed to a good tithi after the move, not to registration day.

Customary observances

Not during a mourning period in the family.
A pregnant woman does not carry the kalash unless the pandit says otherwise.
Idols face east or west, never south. In this flat: against the east wall of the shrine room, facing west.
The kitchen hob is lit, and the milk boiled, before anything else is cooked in the house.