CHAPTER I

1. INTRODUCTION

1.1 Background of the Study:

Homes are the shelter for every human being. Every one wants a comfort and
simple life with their own home where they wish to share their happiness, sadness
enjoyment, and e.t.c. Every person who wants to buy or built house always thinks to
have a comfort and beautiful house with a reasonable price. House is made only once at a
lifetime so every one wants a beautiful house where they can achieve every moment till
the end of life. Purchasing land and then constructing there a house can be a lenthy
process and all may have not the maximum money that they could by a land first and
then built there a house. All may not afford it so; it took them long time to have a
beautiful house that they thought to have.

But Now Civil Homes brings the attractive house that is designed in such a way
that everyone loves to have it. Civil Homes meets most people fund to have it because in
Civil Homes the person can buy it directly or can have down payment plan and also
construction linked payment plan. It is the home where we can discover the standard of
modern living. Everyone aspire for standard of modern living, as it is an expensive
proposition to own independently. Civil Satellite Town at different places such as
Bhaisapati, Lalitpur; Kalanki, Kathmandu; Sunakothi, lalitpur are designed to endow the
entire modern facilities, aesthetically planned & designed.

Civil Homes are established under Civil Saving & Credit Co-operate Ltd on 2000
A.D. It is a newly established Company and being a new one it has able to make its
position in this competitive market.

Civil Homes provide the best environmental perspective due to excellent plot
planning, adequate open space and natural sloping landscape with beautiful view. In
addition, wide roads with storm drainage, parking facilities and enough greenery space
makes the site an attractive proposition. Additionally, facilities like School provision;
departmental store & utility services enhance convenience. There is adequate provision
for community composting plant for solid waste management. Underground community
water supply provision in the area is also added incentive for water scarce like
Kathmandu. Besides, two approach roads to the site prevent any traffic congestion. The
physical and human scale inspires the housing complex, which is environment friendly
with low density.

1
 Civil Homes almost try to provide all benefits when the customer wants to have.
All the different units are planned very well using optimum space of different units are
planned very well using optimum space of different functional activities creating a
homely atmosphere for the occupants. The innovative housing complex of Civil Homes
gives an effect on the large community, creating its pride and enriching the idea for
neighborhood.
Some Experts Opinion is also added below:
Er. Narayan Lal Shrestha
Associate Professor
Former Dean, Institute of Engineering

Its great pride to all Nepalese that the group of experienced and professional
Nepalese engineers are promoting Civil Homes. They are individual homes with
affordable cost, which the Civil Homes are providing at the ideal location with fulfill the
present market demand.
Prof. Dr. Ram Krishna Poudel
Professor of Geotechnical Engineering
Dean, Institute of Engineering, Pulchowk, Lalitpur

Civil Homes structures are being designed as earthquake resistant, the house
planned to be constructed would be safe against earthquake from the plant of view of
existing soil condition at the proposed site.
Er. Manohar Rajbhandari
Senior Structural Engineer
Managing Director
MRB Associates

All the building of the kathmandu Valley, without exception, is to be designed and
constructed considering earthquake standard for V- Zone. Most of the buildings are
constructed by general people vastly lack such consideration. Civil Homes are
structurally sound buildings. Building shape, structural system, and details are designed
to meet with the requirements of latest earthquake standard.
Ar. Suman Vaidya
Head of Department
Department of Architecture, Pulchowk Campus

Each unit of houses is architecturally well designed in terms of ventilation &

lighting are accessed by the main road giving the owner the freedom to plant a garden &
private open spaces which are gaining over all urban significance. The outlooks of Civil
Homes are architectural very pleasing with its Nepalese look & balancing the natural
setting of the valley.

2
 Er. Mukunda Neupane
Associate Professor
Head of Department
Civil Engineering Department
Institute of Engineering, Pulchowk Campus

Civil Homes provides the best environmental perspective due to excellent plot
planning, adequate open space and natural sloping landscape with beautiful view. In
addition, wide roads with storm drainage, parking facilities and enough greenery space
makes the site an attractive proposition. Additionally, facilities like School provision;
departmental store & utility services enhance convenience. There is adequate provision
for community composting plant for solid waste management. Underground community
water supply provision in the area is also added incentive for water scarce like
Kathmandu.

1.1.2 Objectives of Civil Homes:

The basic objectives of Civil Housing project is to achieve a greater sense of

neighborhood community and yet maintain equilibrium between functional and
amenities by creating an appropriate environment suited to the life style of different
socio-environment and cultural groups. As the Civil Homes are built specially for
comfort of living its other objectives are:
a. Offer better homes at affordable cost.
b. Provide due emphasis on surrounding environment, health & hygiene.
c. Prepare financial options for client.

1.1.3 Soil Condition:

There are altogether three phases in Civil Homes. The places are different to each
other so it is sure that the soil conditions also differ from one to another.

Civil Home Phase I is situated in eastern part of the kathmandu valley. It is

sloping due northeast and difference in elevation between the top and toe of slope is
about 30m.

The site of Civil Homes Phase II is situated at the western part of the Kathmandu
valley along the southern flank of foothills. Geologically the site can be grouped into two
main flank is different from the soil condition existing towards southwest. In general the
soil existing at the proposed complex of Civil Homes Phase II is adequate enough to
support the proposed residential houses on isolated column footings. The soil at greater
depth being coarse grained no pore water pressure will be developed in the event of an

3
 earthquake. As a result the structure constructed at the proposed site can withstand
shocks of earthquake of moderate magnitude. In addition Civil Homes Phase II structures
are being designed as earthquake resistant.

The site of Civil Homes Phase III is situated at the southern part of the
Kathmandu Valley, south east of Sunakothi Village. The soil condition at the site is
uniform and mostly comprises of two types. The soil at the top is a residual soil resulted
from rock weathering and the soil type reddish brown clayey silt. The depth of this soil
layer varies from 2m to 5m from ground surface. The soil below the top layer is a thick is
a thick deposit of deposit of clayey gravel and is very strong from the view of bearing
capacity.

1.1.4 Strengths:

a. Civil Homes give security, comfort & complete facilities at affordable cost.
b. Superb home with earthquake resistive design.
c. Emphasize on prodigious galore of scenic beauty, peaceful ambience, health &
hygiene.
d. Stunning, comfortable & affordable homes with realistic price.
e. Timely delivery of homes.
f. Unsurpassed quality.
g. Easy financing option for clients.
h. Facilitate total ownership transfer with ease & speed lasting commitment to the
customer.

1.1.5 Special features:

The design & construction of Civil Homes includes various features pertinent to
buildings, which are structurally sound & economically usable. The features considered
include:
a. Beautiful & independent homes with ideal location.
b. Affordable cost with financing options up to 15 lakhs at monthly installments.
c. It is designed with earthquake resistant compact, functional & flexible enough to
cater individual needs.
d. Tree lined approach boulevards leading to central open park. It also includes
beautiful vistas of mountains & hills to the north & surrounding.
e. School, Postal Service, Clinic & conveniently locate grocery Health club with
Swimming pool facilities with adequate parking area, wide blacktopped roads
and plenty of open spaces.

4
 f. Flexible internal spaces for the need of the entire family-security, variety of
activities & high standard of living.

1.1.6 Finishing Specification:

The finishing detail include:

Fair face machine made brick walls with plastered external walls with quality
texture paints.
Architectural treatment provided with Nepalese style.
Internal walls finishes with plaster of Paris & emulsion paints .
Door & windows made up of Hardwood with enamel paints.
Concealed electric System with telephone & TV cable points.
Safety applicants.

1.2 Phases of Civil Homes

1.2.1 Phase I

Phase I is the starting point of Civil Homes. Civil Homes had been first
introduced by the Phase I, which is in Bhaisepati. Civil Homes Phase I, promoted by
CIVIL SAVING AND CREDIT CO-OPERATIVE LTD are the homes for every one with
an affordable cost and comfortable lifestyle. The homes are planned, designed and
supervised by highly experienced Engineers. The structures have been designed as
earthquake resistant and could withstand earthquakes up to 8MMI Scale. Natural Light,
Ventilation System and Environment friendly Design and Planning are the unique
characteristics of Civil Homes, Phase I. The location provides splendid scenic beauty. In
addition, it furnishes well ventilated.

1.2.2 Phase II

After the established of Phase I Civil Homes has introduced Phase II, which is in
Kalanki. The homes are for the people those seek a flamboyant lifestyle yet not willing to
compromise on cost. Since, Nepal is a country vulnerable to earthquake and is
categorized as V zone, Phase ii is designed in consideration with the earthquake
standard recommended for V zone. Natural light, ventilation system and serene ambience
et al can be attributed to Phase II. The homes have uncompromising quality for its
planned, designed and constructed by experienced engineers and architects.
1.2.3 Phase III

5
 Civil Homes Phase II is build on the success and popularity of its earlier projects
and provides exemplary living facilities at down to earth prices. It is situated at
Sunakothi. One of the largest planned housing undertakings in the country; it sets new
standards of living, amenities and aesthetics. It is a project undertaken by the Nepalese
for the Nepalese people, with conscious efforts made to provide for local conditions,
tastes and habits, The exquisitely designed buildings, though contemporary, fit in the
Nepalese landscape. Relatively larger plots than most housing complexes means
reduction in density and truly provides the opportunity of taking in the surrounding
natural beauty and vistas.

1.3 Literature Review:

As we all know home is the main priority of people after other basic needs.
Everybody wants to have a beautiful home which they often wish to have. The people
who migrate from one place to another of people who live in rent often wish to have a
beautiful home desired by them. But for that they have to buy a land first and there build
there a house. Many problems and tensions may arise during a construction of house.
People often said constructing a house is the most difficult task because they have to give
more time on construction, renovation, and internal decoration e.t.c.

Now the ready-made homes can also be brought at a reasonable cost. The homes offered
Civil Homes are truly exceptional. The home designed in consideration with earthquake
standard recommended by V zone. The soil condition is uniform and the housing
complex is environment friendly with low density is inspired by the physical and human
scale. It promises to bring resident essential pleasure of sun in the each house. A view of
sky through large opening and also greenery trees can be seen from each individuals
homes. The Civil Homes provide every facilities, which everyone wants to have. The
complex is planned in grid street pattern with a main wide road upon which off shoot
leads to smaller roads of 5 meter width. It is an individual home with realistic price range
& situated at ideal location with fulfill the present market demand. Civil Homes provide
every facilites and securities, which the people often wanted in this dangerous world.

1.4 Objectives of the Study:

The main objective of the study is to identify the facilities, features &
specifications, which have been provided by Civil housing project by Civil Savings &
Credit Co-operative ltd. Adding to that the objective is also to find out cost of Civil
Homes, offered to the customers. Some more objectives are as follows:
i. To identify the no of houses built by the company.
ii. To identify the area where the houses have been built.
iii. To gain work experience of the field visit.
iv. To develop practical knowledge & skill in report writing.

6
1.5 Field work Procedure:

This housing project is related to civil housing project of Civil Savings & Credit
Co-operative ltd., which is situated at Soaltee Mode, Ravibhawan, Mathuri Sadan
Kathmandu. I preferred to focus on the housing project of Civil Homes by Civil Savings
& Credit Co-operative ltd.

The data available on the services was limited because it depends upon the
secondary or relevant data, so that the problem cannot be expressed in the desired form.
The company is a newly established company so the data, I have presented here is only
of fiscal year 2061/62.

I had made a work schedule on this, which is below.

Work Schedule
As on 2062
Activity Poush Magh Falgun Chaitra
Data Collection
Presentation
Analysis and
pro-draft report
Final report

1.6 Method of data Collection:

The methodology is the process of arriving to the solution of the problem through
planned and systematic dealing with collection analysis and interpretation of facts and
figure. This research is especially related with the housing project of Civil Homes by
Civil Savings & Credit Co-operative ltd. The research, design is necessary to fulfill the
objectives of the study. For this project work I had personally met the General Manager
of Civil Savings & Credit Co-operative ltd. He had provided me the several information
and data related to my project work, which has helped to add more in my project work.
All necessary data for projects is collected from the annual reports, newspapers booklets,
prospectus which I had put on my references.

The study covers only sin fiscal year because it is a small fieldwork assignment
and it is impossible to submit the whole data due to short span of time. The company is a
newly established and the data I got is only of current fiscal year so the data here will be
presented only of this fiscal year. To collected necessary data & information others
concerned people are also consulted together.

7
 In this report, I had use tabulation method, simple bar diagram, Trend line e.t.c.
The data is based on secondary collection, which I had brought from Civil Savings and
Credit Co-operative ltd.

8
 CHAPTER II

2. PRESENTATION OF DATA

The data presented and analysis is related to the phases of Civil Homes. The data
and figures included on this fieldwork report are price list of phases. Location map of
phases, sales index of housing project, the position of accumulated depreciated fixed
assets, profitability index which includes three fiscal year and many more. The data I got
is only of recent so the data excluding profitability index are recent only.

2.1 Phase I:

Phase I is the first phase of Civil housing project, which is situated at Sainbu,
Bhainsepati, lalitpur. There are almost 55 houses altogether of five different models. The
price is charged according to the size of Civil Homes. Civil Homes, Phase I is built over
15 Ropani of land area including its recreation area of 3 Ropani. Most of the homes have
been sold and only few rest of them are remained to be sold.

a. Price List
Table No. 1
Price list offered on Civil Homes
With effect from 14 April 2005/1st Baisakh 2062

Model Built up Facilities Total Built up Total Cost (NRs)

Area Sft Including Land
CHI-A 4 Bed Rooms Two and half Storey 1729.50 3050000 to
3100000
CHI-B 3 Bed Rooms Two and half Storey 1729.50 3000000 to
3068000

CHI-C 3 Bed Rooms Two Storey 1217.30 2685000 to

2745000

Model Built up Facilities Total Built up Total Cost (NRs)

Area Sft Including Land

9
CHI-D 2 Bed Rooms Two Storey 1217.30 2615000 to
2680000
CHI-E 2 Bed Rooms Two Storey 991.70 2195000 to
2450000
(Source: Civil Savings and Credit Co-operative ltd.)

Table I shows the price list offered on Civil Homes which shows the 1 st phase of
Civil housing project. There are altogether five different models of housing complex
with the different prices. The housing complex is little expensive hearing the price of it
but the interior is very commendable. The price of Civil Homes differs as per the types
of house or the area covered on it. Large area with large size of homes cost high and vice
versa. As on above table, Model CHI-A cost Rs.3050000 to Rs.3100000, which is the
highest price of housing complex, and Model CHI-E cost Rs.2195000 to Rs.2450000,
which is the lowest price of housing complex.

b. Location
Figure No. 1
Location map of Phase I
Jawalakhel
Bhanimandal
Sainbu Highway
Nakhhu

Ring Road N

SAINBU
RESIDENTIAL COMPLEX

Civil
Bungamati

Homes
Phase I

Civil Homes, are destined just 1-minute drive from ringroad. For residential
purpose the location of the Civil homes is very ideal. It furnishes a clear panoramic-
mount view from the drawing room and help one get relaxed even from the drawing
room and help one get relaxed even in the state of very stressed mood. The homes are
situated just due north and close to Bhaisepati Avash Chhetra. Further more the site is
free from air and noise pollution.

10
 d. Position of accumulated depreciated Fixed Assets of Phase I

Table No. 2
Position of accumulated depreciated Fixed Assets of Phase I
As on 2061/62

Particulars Cost Price Depn Total Depn Depreciated Non

rate Amount Depreciated
Amount
Furniture Fixture 100725 2500 103225 25 25806.25 77418.75
Office Equipment 124249.95 86671.18 210921.12 25 52730.28 158190.84
Computer 300965.06 66500 367468.06 25 91867.02 275601.05
Other Office 15843.75 8000 23843.75 25 5960.94 17882.81
Equipmen
t
Vehicle 688040 20 167608.00 550432.00
Construction 1012753.75 15 151913.06 860840.69
Equipment
Total 2242580.51 163671.18 2406251.68 465885.55 1940366.14

(Source: Civil Savings and Credit Co-operative ltd.)

The above Table No. 2 shows the position of accumulated depreciation of fixed
assets of the Civil Homes Phase I as on fiscal year 61/62. The above particulars show the
equipments and accessories, which has been used in fiscal year 61/62. At the rate of
Rs.25 Furniture Fixture, Office Equipment, Computer, Other Office Equipment are
depreciated and Vehicle are depreciated at the rate of Rs.20 and lastly Construction
Equipment are depreciated at Rs.15.On the fiscal year 61/62 the total position of
accumulated depreciated amount on fixed asset is Rs.2406251.68 including cost price of
Rs.2242580.51 depreciation of Rs.163671.18. Among the total depreciated amount is
Rs.465885.55 and non-depreciated amount is Rs.1940366.14.

2.2 Phase II

Phase II is the Second phase of Civil housing project, which is situated at

Thinthana, Kalankisthan, Kathmandu. There are almost 94 houses altogether of three
different models. The price is charged according to the size of Civil Homes. Most of the
homes have been sold and only few rest of them are remained to be sold.

a. Price list

Table No. 3
Price list offered on Civil Homes
With effect from 14 April 2005/1st Baisakh 2062

11
 Model Built up Facilities Total Built up Total Cost (NRs)
Area Sft Including Land
CHI-G 5 Bed Rooms and Three Storey 1947 4900750

CHI-H 4 Bed Rooms and half Storey with 2423 8501750

split levels

CHI-I 3 Bed Rooms Two Storey 1209 4090750

(Source: Civil Savings and Credit Co-operative ltd.)

Table No.3 shows the price list offered on Civil Homes, which shows the 2 nd
phase of Civil housing project. There are altogether three different models of housing
complex with the different prices. The housing complex is little expensive hearing the
price of it but the interior is very commendable. The price of Civil Homes differs as per
the types of house or the area covered on it. Large area with large size of homes cost
high and vice versa. As on above table, Model CHI-H cost Rs.8501750 which is the
highest price of housing complex, and Model CHI-I cost Rs.4090750 which is the
lowest price of housing complex. Rest of them Model CHI-G cost Rs.4900750.

b. Location

Figure No. 2
Location map of Phase II

N
Ring Road

Kalanki
Thankot Way to Kalimati
Chowk

Petrol Pump
Thinthana
Ringroad

VDC,Building

Civil
Homes Balkhu
Thinthana Project site

12
 Civil Homes Phase II is designed just one minute drive from Kalanki that takes
care of your conveyance need as it is a junction where public transport vehicles from all
over the city meet. Nevertheless Civil Homes secludes you from the hustle and bustle of
city and takes you to an imaginary place that furnishes a crystal clear panoramic mount
view. The location is a most sought after by the residents of Kathmandu that takes a
conceit of being absolutely free of air and noise pollution. From morning jogging to
evening stroll, spacious premises at Civil Homes takes care of individual health and
fitness needs. Widespread greenery with trees and private gardens, surrounding Civil
Homes should be definitely instrumental in ones spiritual upliftment.

c. Position of accumulated depreciated Fixed Assets of Phase II

Table No. 4
Position of accumulated depreciated Fixed Assets of Phase II
As on 2061/62

Particulars Cost Price Depn Total Depn Depreciated Non

rate Amount Depreciated
Amount
Furniture Fixture 336812.10 1150978.76 1487790.86 25 371947.72 1115843.15
Office Equipment 34973.00 130037.24 165010.24 25 41252.56 123757.68
Computer 484434.38 463102.62 947537.00 25 236884.25 710652.75
Other Office 434687.25 1186449.75 1621137.00 25 405284.25 1215852.75
Equip
ment
Vehicle 88649.60 508062.40 596712.00 20 119342.40 477369.60
Construction 7929746.56 865560.03 1658506.59 15 248775.99 1409730.60
Equipment
Total 2172502.88 4304190.81 6476693.69 1423487.16 5053206.53
(Source: Civil Savings and Credit Co-operative ltd.)

The above Table No. 4 shows the position of accumulated depreciation of fixed
assets of the Civil Homes Phase II as on fiscal year 61/62. The above particulars show
the equipments and accessories, which has been used in fiscal year 61/62. At the rate of
Rs.25 Furniture Fixture, Office Equipment, Computer, Other Office Equipment are
depreciated and Vehicle are depreciated at the rate of Rs.20 and lastly Construction
Equipment are depreciated at Rs.15.On the fiscal year 61/62 the total position of
accumulated depreciated amount on fixed asset is Rs.6476693.69 including cost price of
Rs.2172502.88 depreciation of Rs.4304190.81 Among them total depreciated amount is
Rs.1423487.16 and non-depreciated amount is Rs.5053206.53

2.3 Phase III

Phase III is third phase of Civil housing project, which is situated at Sunakothi,
lalitpur. There are almost 221 houses altogether of six different models. The price is
charged according to the size of Civil Homes. Civil Homes, Phase III is built over 125

13
Ropani of land area. Most of the homes have been sold and only few rest of them are
remained to be sold. In this phase construction is carrying on. This is the latest phase and
it is build over large area. Most of the houses are almost finished and sold also.

a. Price List

Table No. 5
Price list offered on Civil Homes
With effect from 14 April 2005/1st Baisakh 2062

Model Built up Facilities Total Built up Total Cost (NRs)

Area Sft Including Land
CHI-L 4 Bed Rooms Two and half Storey 2540+(Car 7750750
Land Area: 10 Ana porch 147.75)
CHI-M 4 Bed Rooms Two and half Storey 1967.74+(Car 6152750: 8.6Ana
Land Area: 8.6/8/6.5 Ana porch 181.5) 5990750: 8Ana
5628750: 6.5Ana
CHI-N 4 Bed Rooms Two Storey 1670+(Car 5030750: 6.5Ana
Land Area: 6.5/6 Ana porch 146) 4888750: 6Ana
CHI-O 4 Bed Rooms Two Storey 1742+(Car 5070750
Land Area: 6 Ana porch 57)
CHI-P 3 Bed Rooms Two Storey 1263+(Car 4085750
Land Area: 5 Ana porch 48)
CHI-Q 3 Bed Rooms Half Storey 1175.82+(Car 3361750
Land Area: 3.7 Ana porch 25)
(Source: Civil Savings and Credit Co-operative ltd.)

Table 5 shows the price list offered on Civil Homes, which shows the 3 rd phase
of Civil housing project. There are altogether six different models of housing complex
with the different prices. The housing complex is little expensive hearing the price of it
but the interior is very commendable. The price of Civil Homes differs as per the types
of house or the area covered on it. Large area with large size of homes cost high and vice
versa. As on above table, Model CHI-L cost Rs.7750750, which is the highest price of
housing complex, and Model CHI-Q cost Rs.3361750, which is the lowest price of
housing complex.

14
 b. Location

Figure No. 3
Location map of Phase III

N Bus Park
B&B Dhapakhel
Hospital
Swimming Civil Homes
Complex Phase -3

Satdobato
Way to Godavari
Chowk
Khumaltar GEMS School
Satdobato (Khumaltar)
Chowk Thecho Nepal
Telecom Exchange
Sunakothi (Tower)
Way to
Chapagaun Dholahiti
Nakhipot

Ekanta kuna
Chowk

Civil Homes Phase III is in Sunakothi, a place with eternal beauty; situated at the
southern part of Lalitpur just about five minutes drive from Satdobato Chowk on the way
to Chapagoun. The second route is about 6.9km away from Khumultar Chowk. Civil
Homes explores the proper residential place free from air and sound pollution. This route
links Hetauda to the valley, known as Kanti Rajpath one of the potential shortest routes.
The prospect enhances the commercial potentials of the coming future along with
inherent natural beauty.

c. Position of accumulated depreciated Fixed Assets of Phase III

15
 Table No. 6
Position of accumulated depreciated Fixed Assets of Phase III
As on 2061/62

Particulars Cost Price Depn Total Depn Depreciated Non

rate Amount Depreciated
Amount
Furniture Fixture 51049.50 52533.00 103582.50 25 25895.63 77686.88
Furniture Fixture 124175.00 191734.33 315909.33 25 78977.33 236932.00
Site
Office Equipment - 239586.00 239586.00 25 239586.00 179659.50
Computer 58350.00 126050.00 184400.00 25 46100.00 138300.00
Other - 68450.00 68450.00 25 17112.50 51337.20
OfficeEquipment
Vehicle 520044.00 68800.00 588800.00 20 117768.80 471075.20
Construction 150450.00 1558313.00 1708763.00 15 256314.45 1452448.55
Equipment
Total 904068.50 2305466.33 3209534.83 602065.21 2607469.63
(Source: Civil Savings and Credit Co-operative ltd.)

The above Table No. 6 shows the position of accumulated depreciation of fixed
assets of the Civil Homes Phase III as on fiscal year 61/62. The above particulars shows
the equipments and accessories, which has been used in fiscal year 61/62. In this Phase
one particular i.e, Furniture Fixture is included. At the rate of Rs.25 Furniture Fixture,
Furniture Fixture Site, Office Equipment, Computer, Other Office Equipment are
depreciated and Vehicle are depreciated at the rate of Rs.20 and lastly Construction
Equipment are depreciated at Rs.15.On the fiscal year 61/62 the total position of
accumulated depreciated amount on fixed asset is Rs.3209534.83 including cost price of
Rs.904068.50 depreciation of Rs.2305466.33 Among them total depreciated amount is
Rs.602065.21 and non-depreciated amount is Rs.2607469.63.

2.4 Total Phases

Civil Home includes almost three phases, which has been running successfully.
Although the third Phase has not been concluded the Company has purchased a land for
Phase 4 also. There are almost 370 houses in total Phases though the rest of them are
rest to build.

a. Profitability Index

Table No. 7
Profitability Index of total Phases
From 59/60 61/62

16
Particulars Amount
Fiscal Year 059/60 (50836364.62)
Fiscal Year 060/61 (500836364.62)
Fiscal Year 061/62 13225184.46
Total (98763001.14)
(Source: Civil Savings and Credit Co-operative ltd.)
Table No. 7 shows the profitability index of Civil Homes from the fiscal year
59/60 to 61/62. As the Company is newly established, at the beginning it accrued loss but
by this report now the Company is in profit. At the year 59/60 it bear loss of
Rs.50836364.62. At the 60/61, it bear a loss of Rs.50018820.98. But at 60/61 the
Company is profited to Rs.13225184.46. It means in last years comparison, this year the
Company has gain profit.

Bar Diagram No.1

Simple Bar Diagram Showing profitability Index of Civil Homes
From 59/60 to 61/62

Amount

100000000
0
-100000000
-200000000
Amount
-300000000
-400000000
-500000000
-600000000
Fiscal Year Fiscal Year Fiscal Year
Total
059/60 060/61 061/62
Amount -50836364.6 -500836365 13225184.46 -98763001.1

17
 Figure No: 4
Trend line showing the profitability Index
From 59/60 to 61/62

Amount

100000000

-100000000

-200000000
Amount
-300000000

-400000000

-500000000

-600000000
Fiscal Year Fiscal Year Fiscal Year
Total
059/60 060/61 061/62
Amount -50836365 -500836365 13225184.5 -98763001

b. Position of accumulated depreciated Fixed Assets of Civil Housing project

Table No. 8

Position of accumulated depreciated Fixed Assets of Civil Housing project

As on 2061/62

Particulars Cost Price Sold Add Total Depn Depreciated Non

Assets Dep n
Non-Dep n n
Dep Non-Dep n
rate Amount depreciated
Amount
nd and Building 2946494.13 22946494.13 5 22946494.13
rtition Expenses 352228.50 - - 352228.50 - 25 88057.13 264171.38

18
rniture Fixture 486335.40 17255.00 5156.00 503590.40 5156.00 25 125897.60 382848.80
fice Equipment 49513.51 243668.33 2866.67 294851.40 2866.67 25 73962.95 224755.55
mputer 605368.37 136800.00 194399.99 742168.37 194399.99 25 185542.09 751026.27
her 398030.50 1965 16833.33 5866.67 412898.83 5866.67 25 103224.71 315540.80
fice Equipment
hicle 1514586.6 3900 4090.00 - 1514776.67 - 25 302955.33 1212821.33
7
tal 3406062.8 5865 421316.66 23154783.4 3821517.61 23154783.46 20 879639.82 26096658.25
5 6

Table No. 9
Sales and Purchase Index of Housing Project
From 60/61 to 61/62

rticulars Purchase of land Sale of land Remaining Stock Sale of land

Area Amount Area Amount Area Amount and Building
ening Stock
tal stock of Phase I 40-2-3-1.5 48942475.78
tal stock of Phase II 39-10-1-0.8 95134584.34
tal stock of Phase III 113-11-3-2.4
tal (A) 193-9-0-0.7 282374517.22
d: Purchase in 60/61
tal purchase of Phase I 0-9-3-0 626935 194-2-3-0.7 283001452.22
tal purchase of Phase I 40-1-1-0 68950271 234-4-0-0.7 351951723.22
tal (B) 40-11-0-0 69577206 234-4-0-0.7 351951723.22

tal sales of Phase II 6-12-1-3.5 8244732.77 227-7-2-1.2 343706990.45 108413564

tal sales of Phase III 3-0-0-0 3647605.25 224-7-2-1.2 340059385.20 25629620
tal sales of Phase I 40-2-3-1.5 48942475.78 184-4-2-3.7 291116909.42 39218555
tal sales in 61/62
tal 69577206 49-15-1-1 60834813.80 184-4-2-3.7 291116909.42 173261739

The Table No. 8 shows the position of accumulated depreciation of fixed assets of
the Civil Homes as on fiscal year 61/62. The above particulars shows the equipments and
accessories that have been used in fiscal year 61/62.The particulars include land and
Building, Partion expenses, Furniture Fixture, Office Equipment, Other Office
Equipment, Vehicle. Land and Building is depreciated at the rate of Rs.5 and Partion
expenses, Furniture Fixture, Office Equipment, Other Office Equipment are depreciated
at Rs.25 and the rest Vehicle is depreciated at the rate of Rs.20. On the fiscal year 61/62
the total position of accumulated depreciated amount on fixed asset is depreciation of
Rs.3421514.61 and non depreciation of Rs.23154783.46 including the cost price of
Rs.3406062.95. Among them total depreciated amount is Rs.879639.82 and non-
depreciated amount is Rs.26093658.25.

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 Similarly Table No.9 shows the sales and purchase index of Civil Housing
Project. The table shows the total stock for Phase I, II and III; total sales of land and land
and building for Phase I, II and III; total purchase of land for IV and I. The above table
shows that the total of remaining stock which is Rs.291116909.42 of area184-4-2-3.7. In
the fiscal year 60/61 the company has purchased a land for Phase II, which is
Rs.626935.00 of area 0-9-3-0 and Phase IV, which is Rs.68950271.00 of area 40-1-1-0.
The total amount is Rs.69577206.00 of area 40-11-0-0. In the fiscal year 61/62 The
Company has sold land and land including building for Phase I, II and III of total
Rs.60834813.80 of area 49-15-1-1 for land and Rs.173261739.00 for land and building.
The company has sold Phase II for Rs.8244732.77 of area 6-12-1-3.5 in case of land only
and in the case of land and building the company has sold it in
Rs.108413564.00.Similarly the company has sold Phase III for Rs.3647605.25 of area 3-
0-0-0 in case of land only and in the case of land and building the company has sold it in
Rs.25629620.00. Lastly the company has sold Phase I for Rs.48942475.78 of area 40-2-
3-1.5 in case of land only and in the case of land and building the company has sold it in
Rs.39218555.00.

2.5 Study Result:

The major finding of this study covers the one-year data (61/62). In case of
profitability index this study cover three tears data (From 59/60 to 61/62). Though the
Phase I have been built earlier, all Civil Homes has not been sold out so some effect
came in year 61/62 too. The situation has been to the Phase II also and in case of Phase
III few of the houses have been built though there are six different models of 221 houses.
From the above table we can know that Civil Homes had built good image on peoples
mind so the sales of land and building has been Rs.173261.7399. With the ideal location,
ideal cost and comfortable accommodation, the Civil Homes has been built and having
its productivity high it has try to give the best facilities to the customers.

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 CHAPTER III

3.SUMMARY, CONCLUSION AND RECOMMENDATION

3.1 Summary:

In modern days every one wants to be modernized. They all want to have
standardized life of living. All wants home where they live comfortable with standard of
living where the can get all the facilities near by. Civil Homes are all about that. They are
environment friendly with low density, is inspired by the physical and human scale. It
promises to bring residents essential pleasure of sun in the each home, a view of sky
through large opening and also greenery trees can be seen from each individual homes.

The modern stylish home, which everyone wishes to have, is complete example
of Civil Homes. It is the home situated on natures lap where everyone freshness can be
observed clean and neat environment with every facilities provided near by. The complex
is planned in grid street pattern with a main wide road upon which off shoot leads to
smaller roads of five meter width, upon which all the entrances to individual houses are
planned so that there is a distinct demarcation of spaces for vehicular movement with
the main road remaining relatively free.

The overall housing units from along the street allows alternate relief of built
mass and projection of green areas. The social organization of space as fundamental
unifying element of the neighborhood as an urban image. All the varities of housing
units, targeted to different levels of population are designed to fulfill the physical,
psychological, functional, technical and legal needs of its occupants. The complex
consisting of clusters of housing and row houses speak on individual spatial language yet
all are very closely linked to form a cohesive urban function. The outlooks of the
different units are aesthetically very elegant, which is achieved by the juxtaposition of
flat and sloped roof. They are very pleasing with its modern look, balancing the natural
settings of the surrounding.

3.2 Conclusion:

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 Conclusively this project is undertaken to show the prides and facilities of Civil
Homes. Being a newly established company, the Civil Homes had made a different
identity in the market. The facilities given by the company, the area of housing complex
with attractive prices and models are really commendable. The prices are high but
according to the facilities and services of Civil Homes, there is no comparison between
them. The prices are fixed according to the facilities given by it. It is a complete home,
which is built for life. Civil homes are resourceful, its creative use of space and materials
as well ideas are very useful solution and are targeted for the different levels of
population and affordability to buy single unit ensuring healthy and environmental
neighborhood residential district. The master plan is planned as a residential district, a
form of urban development and the plans of the individual units as a material, directly
corresponds to the families as a social form of organization and deciding elements to the
physical planning of the residents district.

Conclusively I would like to add the payment plan of Civil Homes on the basis of
Price List. Civil Homes had made a Payment plan on price list under Civil housing
project. They are as follows:

Down Payment Plan

(with 10% rebate)
At the time of booking 10%
Within 30 days of booking 85%
At the time of possession 5%

Construction Linked Payment Plan

At the time of booking 10%
Within 30 days of booking 20%
On Commencement of construction 15%
On Commencement of DPC 15%
On Commencement of G/F Roof Slab 10%
On Commencement of 1st Floor Roof Slab 5%
On Commencement of laying of conduits Pipe 5%
On Commencement of plastering 5%
On Commencement of door & windows shutter 5%
On Commencement of wiring, switch & plates 5%
At the time of possession 5%

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