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Kal Mass Media Latest Update – July 2025

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We’re excited to share the latest updates and improvements at Kal Mass Media, your all-in-one platform to learn, earn, and grow in the digital space!

Whether you’re a new user or a long-time member, these changes are designed to help you get more value from your time on our platform.


🧠 AI Search is Now Smarter & Token-Based

You can now ask any question using our enhanced AI search system powered by Genus Tokens!

  • Instant answers on topics like education, tech, business, health, travel, and more
  • Token-based usage makes it fair and affordable for everyone
  • Join free and start asking right away!

➡️ Use your free daily Genus Tokens to try the AI tools now.


💸 New Genus Token System – Learn & Earn

We’ve made Genus Tokens even more rewarding!
Now you can:

  • Earn free tokens daily by logging in or completing simple tasks
  • Use tokens to ask AI queries, buy eBooks, or access premium tools
  • Redeem your tokens for real money
  • Invite friends and earn extra tokens automatically

👉 Click here to learn how Genus Tokens work »


🏦 Commission Bank Dashboard is LIVE

Now track your referrals and commissions with ease!

Our new Commission Bank gives you full visibility of:

  • Who you’ve referred (up to 3 levels deep)
  • How much you’ve earned
  • When you’re eligible for payouts
  • Options for manual bank transfers or PayPal payouts

Start earning by referring others to Kal Mass Media and watching your second income grow.

👉 Know more about Commission Bank »


🌐 Web Market – A Gateway to Digital Learning

We’ve launched a growing Web Market section:

  • Discover hand-picked websites on tech, marketing, education, finance, and more
  • Get curated access to top online resources, all in one place
  • Learn at your own pace and level up your digital skills

➡️ Browse the Web Market and start exploring.


💼 Jobs, Real Estate & Travel Search Tools Added

Looking for opportunities beyond learning?

You can now:

  • Search jobs in your preferred city
  • Explore properties for investment and living
  • Compare flights & hotel prices from top travel sites in one search

Save time, save money, and make smarter decisions—all from one platform.


📚 New eBooks & Digital Products

Our eBook Shop now includes:

  • AI guides
  • Freelancing handbooks
  • Career growth eBooks
  • Digital marketing kits

Most products are purchasable with Genus Tokens, so you’re learning and saving at the same time.


🌟 What’s Coming Next

Stay tuned for upcoming features:

  • Leaderboard & reward challenges
  • AI-powered learning courses
  • More tools for creators and entrepreneurs
  • Enhanced mobile experience

Start Exploring Today

Whether you’re here to learn, ask, earn, or grow, this update is packed with powerful features to help you thrive.

👉 Join Kal Mass Media Now – It’s Free!

Thank you for being part of our community.
Let’s grow together in this digital journey!


Team Kal Mass Media

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Hidden Costs When Buying a Home

Don’t Let These Surprise Expenses Catch You Off Guard!

Buying a home is an exciting milestone—but if you’re only planning for the down payment and loan EMI, you’re missing a big piece of the puzzle. There are several hidden costs involved in property purchase that can add up to a significant amount.

To help you make an informed financial decision, here’s a breakdown of the key hidden costs every buyer should know before closing the deal.


🧾 1. Stamp Duty and Registration Charges

These are mandatory legal charges paid to the state government during property registration.

  • Stamp Duty: Usually ranges from 5% to 8% of the property value
  • Registration Fees: Around 1% of the property cost

📌 Example: For a ₹50 lakh property, stamp duty + registration can cost ₹3–4 lakh.


🏢 2. GST on Under-Construction Property

If you’re buying an under-construction flat, you may be liable to pay 5% GST on the property value (1% for affordable housing).

Note: GST is not applicable for ready-to-move-in properties with Completion Certificate (CC).


🧱 3. Home Loan Processing Fees

Banks and NBFCs charge a processing fee when you apply for a home loan. This is generally 0.25% to 1% of the loan amount.

📌 Example: On a ₹40 lakh loan, you could pay ₹10,000 to ₹40,000.


🏠 4. Society Charges & Maintenance Deposit

Builders or housing societies often charge:

  • Advance Maintenance Charges (6 months to 2 years)
  • Corpus Fund / Security Deposit
  • Clubhouse Membership
  • Electricity and Water Connection Charges

These can collectively range from ₹50,000 to ₹2,00,000 or more.


🛠️ 5. Interior & Renovation Costs

After possession, you’ll likely spend on:

  • Woodwork and modular kitchen
  • Painting and lighting
  • Furniture and appliances
  • Bathroom fittings, curtains, fans, etc.

📌 This cost can easily range between ₹3–10 lakh, depending on your choices.


📜 6. Legal & Documentation Fees

You may need a lawyer or property consultant to verify legal documents, especially for resale or land deals.

  • Legal vetting: ₹5,000 – ₹25,000
  • Notarization, affidavit creation, etc.: additional minor charges

🔐 7. Home Insurance

Though optional, home insurance is recommended to protect against natural disasters, fire, and theft.

  • Annual premium: ₹3,000 – ₹10,000 based on sum insured

💼 8. Brokerage / Agent Fee

If you purchased the property through a broker or agent:

  • Fee may range from 0.5% to 2% of the property value

📌 Tip: Always clarify if the fee is inclusive of taxes or separate.


🚪 9. Parking Charges

Many builders charge separately for parking slots (covered or open), especially in metros.

  • ₹1 lakh to ₹5 lakh depending on location and type

🛑 10. Delay in Possession

If the project gets delayed, you might:

  • Pay EMI + rent for several months
  • Bear the cost of delayed interior work
  • Miss tax benefits on under-construction property

🧠 Final Word: Plan Beyond the Basics

Most buyers focus only on loan EMIs and property price, but hidden charges can add up to 10–15% extra. It’s essential to:

✅ Prepare a comprehensive budget
✅ Read the builder-buyer agreement carefully
✅ Ask for all costs in writing before signing


💬 Need Help Understanding Real Estate Costs?

We offer free consultations to help buyers avoid common financial mistakes. Contact us for personalized advice or a complete home-buying cost checklist.

For more information:

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Before investing, assess how much risk you are comfortable with.

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Hi, I am Rishi, Before investing, assess how much risk you are comfortable with. its past performance, volatility, and the types of assets it invests in. Finally, seek advice from a financial advisor. Do this if you are unsure about which scheme aligns best with your risk appetite and investment objectives.

Next, these steps will help you make a more informed decision and maximize your investment potential.

Understand the key terms of your investment, including fees and risks, and assess your income.

Are you comfortable making payments without any hesitation?

Know the various options available in the financial market. Does the investment offer a high return?

Remember to consider how inflation can affect the value of your investment. It helps you assess the growth and stability of your investment over time.

Understand the tax rates for profits from investments held for a long time and those held for a short time. Does it align with your financial goals and your comfort level with risk?

Can you withdraw money whenever you need it before the investment reaches its full term?

Consider the charges you have to bear in mind during the evaluation. So that your loved ones can take it if anything happens.

Know the management’s experiences to make an informed decision. Pay special attention to the fund’s historical performance. Also consider its future outlook.

Make sure that the scheme has been approved by the relevant financial regulatory authority. It is important to verify all details before making any decisions.

For further assistance in achieving your financial goals, consult with financial advisor Rishi Pal Sharma. WhatsApp or call +91-7278795000.