ONGOINGActive

VATIKA INDIA NEXT (PHASE-II)

GURUGRAM, MANESAR
23-05-2019
Launch Date
ONGOING
Type
2029-03-31
Completion Date

Overview

Launch Date

23-05-2019

Completion Date

2029-03-31

RERA ID

RERA-GRG-217-2019

Basic Details

Project NameVATIKA INDIA NEXT (PHASE-II)
Project IDRERA-GRG-217-2019
Project TypeONGOING
Applicant TypeCompany
Submission Date23-05-2019 04:18:07 AM
Builder NameVATIKA LIMITED
CINU74899HR1998PLC054821
PANXXXX647G
Emailvatika.rera@vatikagroup.com
Websitehttp://www.vatikacollections.com
Phone (Mobile)9810566938
Phone (Landline)01244177777
Registered AddressUNIT NO. A-002,INXT CITY CENTRE,GROUND FLOOR, BLOCK-A, SECTOR-83, VATIKA INDIA NEXT GURUGRAM-122012
Project AddressVILLAGE SIHI, SHIKOHPUR, SIKANDERPUR BADHA, & KHERKIDAULA, SECTOR- 81-85
DistrictGURUGRAM
TehsilMANESAR

Bank Details

Bank NameHDFC, VATIKA ATRIUM, BLOCK-A,KHASRA NO.1741,42 & 43, VILLAGE-WAZIRABAD, SECTOR-53, GURUGRAM
Account Number57500000261782
IFSC CodeHDFC0000572
MICR Code110240093
Branch Code0572

Account Related Information

Annex copy of the balance sheet of last 3 yearsYes
In case of on-going projects,cash flow statement since start of the project up-to-date in folder D.Total receipt of funds, sources of funds and deployment of funds should be stated in tabulated form.Yes
Name and address of the person/persons who would ordinarily be operating the account (Change at any time must be intimated to the Authority)1. Mr. Anil Bhalla Hyde Park, Prakrati Marg, Sultanpur Farms, Gadaipur, South Delhi, Delhi 110030 2. Mr. Gautam Bhalla LCG05 PHB, The Laburnam, Nathupur (67),Nathupur Gurgaon,Gurgaon, Haryana 122002 3. Mr. K V George Flat No. 1504, Mohinder Apartment, Plot No 17, Sector 12, Dwarka, South West Delhi, Delhi 110075 4. Mrs Veena Bhomia C1/577B,Rear Block,1st Floor, Near Euro Kids School,Palam Vihar,Choma (62), Gurgaon, Haryana 122017 5. Mr. Manish Agarwal, R/o - 0-602,desigranch apartment near Hiralal sweets, sec -3, vaishali,I.E Sahibababd, Ghaziabad Uttarpradesh -201010. 6. Mr. Gaurav Bhalla, R/o - Hyde Park, Prakrati Marg, Sultanpur Farms, Gadaipur, South Delhi, Delhi 110030. 7. Mr. Sanjeev Tomar, R/o - AJ-1502 antriksh Heights Block-AJ, Sector-84, Air Force, Gurgaon.
Attach certificate issued by a Chartered Accountant that the applicant has not defaulted in its debt liabilities in the past five years in folder D. (In case of default, give details)Provided

Development Details

Land Area295.406 (Acre)
Proposed FAR0
Permissible FAR0
Total Licensed Land489.71 (Acre)

Land Usage

PLOTS TO BE SOLD129.628
LAND AREA TO BE USED FOR CONSTRUCTION OF APARTMENTS0
CONSTRUCTION OF ROADS26.67
PAVEMENTS15.23
PARKS AND PLAYGROUNDS9.00
GREEN BELTS16.10
VEHICLE PARKINGS3.80
ELECTRICITY SUB-STATION12.00
CLUB HOUSE4.00
SEWAGE AND SOLID WASTE TREATMENT FACILITY22.00
AREA TO BE LEFT FOR TRANSFERRING TO THE GOVERNMENT FOR COMMUNITY SERVICES0.30
ANY OTHER40.108
AMENITY16.37
BOOTHS0.20
Total295.406

Cost Details

Land Cost63442.05 Lakhs
Other Cost119161.52 Lakhs
Estimated Project Cost197384.28 Lakhs
Estimated Infrastructure Cost12553.09 Lakhs
Estimated Apartment Construction Cost2227.62 Lakhs

Documents

IN CASE OF GROUP HOUSING/ COMMERCIAL SITES, A COPY OF THE APPROVED SITE PLAN

Uploaded on: 26-04-2019

CERTIFICATE FROM A CHARTERED ACCOUNTANT CERTIFYING THAT THE INFORMSTION PROVIDED BY THE APPLICANT IN FORM REP-1-C-X IS CORRECT AS PER THE BOOKS OF ACCOUNTS/ BALANCE SHEET OF THE APPLICANT

Uploaded on: 20-05-2022

DECLARATION SUPPORTED BY AFFIDAVIT DULY SIGNED BY THE PROMOTER TO BE ENCLOSED.

Uploaded on: 20-05-2022

NON DEFAULT CERTIFICATE FROM A CHARTERED ACCOUNTANT

Uploaded on: 20-05-2022

CASH FLOW STATEMENT OF THE PROPOSED PROJECT

Uploaded on: 20-05-2022

IN CASE OF PLOTTED COLONY, THE LATEST LAYOUT PLAN

Uploaded on: 20-05-2022

ENVIRONMENTAL CLEARANCE

Uploaded on: 20-05-2022

FOREST NOC

Uploaded on: 20-05-2022

LOI

Uploaded on: 20-05-2022

SERVICE PLANS SHOWING THE SERVICES ON THE LAYOUT PLAN

Uploaded on: 20-05-2022

COPY OF LICENSE ALONG WITH SCHEDULE OF LAND

Uploaded on: 24-05-2022

ZONING PLAN

Uploaded on: 24-05-2022

DEMARCATION PLAN

Uploaded on: 24-05-2022

APPROVAL OF SERVICE PLAN ESTIMATES

Uploaded on: 09-06-2022

ANNEXURE - B

Uploaded on: 17-06-2022

ANNEXURE - A1

Uploaded on: 17-06-2022

ANNEXURE - A2

Uploaded on: 17-06-2022

ANNEXURE - A3

Uploaded on: 17-06-2022

ANNEXURE - A4

Uploaded on: 17-06-2022

Statutory Approvals

LAYOUT / SITE PLAN 477 ACRESDate: 11-06-2014Status: ALREADY BEEN OBTAINED
LAYOUT / SITE PLAN 489 ACRESDate: 19-12-2019Status: ALREADY BEEN OBTAINED
DEMARCATION PLAN (SECTOR-81 & 82)Date: 31-01-2014Status: ALREADY BEEN OBTAINED
DEMARCATION PLAN (SECTOR-82A)Date: 30-11-2016Status: ALREADY BEEN OBTAINED
DEMARCATION PLAN (SECTOR-83)Date: 31-01-2014Status: ALREADY BEEN OBTAINED
DEMARCATION PLAN (SECTOR-84)Date: 31-01-2014Status: ALREADY BEEN OBTAINED
DEMARCATION PLAN (SECTOR-85)Date: 31-01-2014Status: ALREADY BEEN OBTAINED
ZONING PLAN (SECTOR-82)Date: 13-01-2015Status: ALREADY BEEN OBTAINED
ZONING PLAN (SECTOR-82A)Date: 20-06-2018Status: ALREADY BEEN OBTAINED
ZONING PLAN (SECTOR-83)Date: 13-01-2015Status: ALREADY BEEN OBTAINED
ZONING PLAN (SECTOR-84)Date: 13-01-2015Status: ALREADY BEEN OBTAINED
ZONING PLAN (SECTOR-85)Date: 15-01-2015Status: ALREADY BEEN OBTAINED
Lay out PlanApproved: Yes
Demarcation PlanApproved: Yes
Zoning PlanApproved: Yes
Building PlanApproved: No
Site PlanApproved: Yes
Floor PlanApproved: No
Apartment PlansApproved: No
Elevation SectionApproved: No
Detail of Permissible FARApproved: No
Detail of covered area achieved FARApproved: No
ROADS AND PAVEMENT PLANApproved: No
ELECTRICITY SUPPLY PLANApproved: No
WATER SUPPLY PLANApproved: Yes
SEWERAGE AND GARBAGE DISPOSAL PLANApproved: Yes
STROM WATER DRAINAGEApproved: Yes
10% LAND TO BE TRANSFERRED TO THE GOVT. FOR COMMUNITY FACILITYApproved: No
STREET LIGHTING PLANApproved: No
PARKING PLANApproved: No

Facilities

INTERNAL ROADS AND PAVEMENTSSUBMITTED TO TOWN & COUNTRY PLANNING
WATER SUPPLY SYSTEMSUBMITTED TO TOWN & COUNTRY PLANNING
STORM WATER DRAINAGESUBMITTED TO TOWN & COUNTRY PLANNING
ELECTRICITY SUPPLY SYSTEMSUBMITTED TO TOWN & COUNTRY PLANNING
SEWAGE TREATMENT & GARBAGE DISPOSALSUBMITTED TO TOWN & COUNTRY PLANNING
STREET LIGHTINGSUBMITTED TO TOWN & COUNTRY PLANNING
SECURITY AND FIRE FIGHTINGSUBMITTED TO TOWN & COUNTRY PLANNING
PLAYGROUNDS AND PARKSSUBMITTED TO TOWN & COUNTRY PLANNING
CLUB HOUSE/COMMUNITY CENTRESUBMITTED TO TOWN & COUNTRY PLANNING
SHOPPING AREASUBMITTED TO TOWN & COUNTRY PLANNING
RENEWABLE ENERGY SYSTEMSUBMITTED TO TOWN & COUNTRY PLANNING
SCHOOLSUBMITTED TO TOWN & COUNTRY PLANNING
HOSPITAL/DISPENSARYSUBMITTED TO TOWN & COUNTRY PLANNING
ANY OTHERSUBMITTED TO TOWN & COUNTRY PLANNING
SEWERAGE SYSTEMSUBMITTED TO TOWN & COUNTRY PLANNING
STPSUBMITTED TO TOWN & COUNTRY PLANNING
UNDERGROUND WATER TANKSUBMITTED TO TOWN & COUNTRY PLANNING
RAIN WATER HARVESTINGSUBMITTED TO TOWN & COUNTRY PLANNING
ELECTRICAL SUB STATIONSUBMITTED TO TOWN & COUNTRY PLANNING
CONSTRUCTION OF CIRCULATION ROADSUBMITTED TO TOWN & COUNTRY PLANNING
PARKINGSUBMITTED TO TOWN & COUNTRY PLANNING
ELECTRIFICATIONSUBMITTED TO TOWN & COUNTRY PLANNING

NOC

ROADSProvider: ALL READY CONNECTEDApproval Status: Approved
WATER SUPPLYProvider: HUDAApproval Status: Approved
ELECTRICITYProvider: DHBVNApproval Status: Approved
SEWAGE DISPOSALProvider: N.A./ZERO DISCHARGED STPApproval Status: Approved
STORM WATER DRAINAGEProvider: HUDAApproval Status: Approved

Project Team

Authorized Representative

VIRENDER DHAR
Name
VIRENDER DHAR
PAN
XXXX232D
Email
vatika.rera@vatikagroup.com
Mobile
9810566938
Landline
01244177777
Address
Flat No. M-113SF Blossom-2 Artemis Hospital Sector-51 Gurgaon Smaspur Gurgaon- 122003

Managing Director/CEO

NA
Name
NA
PAN
XXXXXXXX
Email
vatika.rera@vatikagroup.com
Mobile
0000000000
Landline
01244177777
Address
NA

Directors

ANIL BHALLA
Name
ANIL BHALLA
PAN
XXXX416N
Email
vatika.rera@vatikagroup.com
Mobile
9871196506
Landline
01244177777
Address
Farm No- 4 Hyde Park Prakriti Marg Sultanpur Farms Mehrauli Delhi- 110030 India.
MR BRIJ KISHORE SINGH
Name
MR BRIJ KISHORE SINGH
PAN
XXXX890G
Email
vatika.rera@vatikagroup.com
Mobile
9928017864
Landline
01244177777
Address
Baluda Road Sohna Gurgaon Haryana-122001 India.
MR GAUTAM BHALLA
Name
MR GAUTAM BHALLA
PAN
XXXX807G
Email
vatika.rera@vatikagroup.com
Mobile
9958999160
Landline
01244177777
Address
Farm No- 4 Hyde Park Prakriti Marg Sultanpur Farms Mehrauli Delhi- 110030
MR SURENDER SINGH
Name
MR SURENDER SINGH
PAN
XXXX793N
Email
vatika.rera@vatikagroup.com
Mobile
9818870004
Landline
01244177777
Address
95 Mangu MohallaGariya Lambi Gali Ghitorni Gaon Gadaipur Delhi-110030.
MR  VIJENDER KUMAR
Name
MR VIJENDER KUMAR
PAN
XXXX305H
Email
vatika.rera@vatikagroup.com
Mobile
9871196504
Landline
01244177777
Address
House No. 51 Village Naharpur Kasan Post office- Nakhrola Gurgaon-122001 Haryana.

Contact Details

Project ContactEmail: vatika.rera@vatikagroup.comMobile: 8800772626Landline: 8800772626
Project Contact PersonName: ARUP DASEmail: vatika.rera@vatikagroup.comMobile: 8800772626Landline: 8800772626

Land Details

Land Area295.406 (Acre)
Proposed FAR0
Permissible FAR0
Total Licensed Land489.71 (Acre)

Land Usage

Land Cost63442.05 Lakhs
Other Cost119161.52 Lakhs
Estimated Project Cost197384.28 Lakhs
Estimated Infrastructure Cost12553.09 Lakhs
Estimated Apartment Construction Cost2227.62 Lakhs

Total Infrastructure Expenditure

ParticularsExpenditure (in Lakhs)
STP461
Other0
Parking127.2
Sewerage830
Street Light270
Shopping area0
Electrification1790
Roads & Pavements2067
Under Ground Tank432.18
Water Supply System830
Storm Water Drainage1100
Parks and Playgrounds430
Rain Water Harvesting210
Electrical sub station42
Renewable energy system40
Electricity Supply System224
Clubhouse/community centres0
Security and Fire Fighting Services200
Sewerage treatment & garbage disposal0

Quarterly Infrastructure Expenditure

2019 - Quarterly Expenditure (In Lakhs)
ParticularsJan-MarApr-JuneJuly-SepOct-Dec
Clubhouse/community centres-000
Electrical sub station----
Electricity Supply System-000
Electrification-000
Other-000
Parking----
Parks and Playgrounds-000
Rain Water Harvesting-000
Rain water Harvesting----
Renewable energy system----
Roads & Pavements-000
STP-000
Secrutiy Fire Fighting Services----
Security and Fire Fighting----
Security and Fire Fighting Services-000
Securtiy and Fire Fighting Services----
Sewerage-000
Sewerage treatment & garbage disposal-000
Shopping area-000
Storm Water Drainage-000
Street Lighit---0
Street Light-00-
Under Ground Tank-000
Water Supply System-000
2020 - Quarterly Expenditure (In Lakhs)
ParticularsJan-MarApr-JuneJuly-SepOct-Dec
Clubhouse/community centres0000
Electrical sub station----
Electricity Supply System0000
Electrification0000
Other0000
Parking----
Parks and Playgrounds0000
Rain Water Harvesting0-00
Rain water Harvesting-0--
Renewable energy system----
Roads & Pavements0000
STP0000
Secrutiy Fire Fighting Services--0-
Security and Fire Fighting----
Security and Fire Fighting Services00-0
Securtiy and Fire Fighting Services----
Sewerage0000
Sewerage treatment & garbage disposal0000
Shopping area0000
Storm Water Drainage0000
Street Lighit----
Street Light0000
Under Ground Tank0000
Water Supply System0000
2021 - Quarterly Expenditure (In Lakhs)
ParticularsJan-MarApr-JuneJuly-SepOct-Dec
Clubhouse/community centres0000
Electrical sub station----
Electricity Supply System0000
Electrification0000
Other0000
Parking----
Parks and Playgrounds0000
Rain Water Harvesting0000
Rain water Harvesting----
Renewable energy system----
Roads & Pavements0000
STP0000
Secrutiy Fire Fighting Services----
Security and Fire Fighting----
Security and Fire Fighting Services0000
Securtiy and Fire Fighting Services----
Sewerage0000
Sewerage treatment & garbage disposal0000
Shopping area0000
Storm Water Drainage0000
Street Lighit----
Street Light0000
Under Ground Tank0000
Water Supply System0000
2022 - Quarterly Expenditure (In Lakhs)
ParticularsJan-MarApr-JuneJuly-SepOct-Dec
Clubhouse/community centres0000
Electrical sub station5555
Electricity Supply System5555
Electrification50505050
Other0000
Parking5555
Parks and Playgrounds5555
Rain Water Harvesting0000
Rain water Harvesting----
Renewable energy system----
Roads & Pavements7121212
STP5555
Secrutiy Fire Fighting Services----
Security and Fire Fighting----
Security and Fire Fighting Services0.2111
Securtiy and Fire Fighting Services----
Sewerage20202020
Sewerage treatment & garbage disposal0000
Shopping area0000
Storm Water Drainage10101010
Street Lighit----
Street Light2222
Under Ground Tank0000
Water Supply System10102020
2023 - Quarterly Expenditure (In Lakhs)
ParticularsJan-MarApr-JuneJuly-SepOct-Dec
Clubhouse/community centres0000
Electrical sub station5555
Electricity Supply System5555
Electrification50100100100
Other0000
Parking5515
Parks and Playgrounds1111
Rain Water Harvesting5555
Rain water Harvesting----
Renewable energy system----
Roads & Pavements1216.062121.15
STP51210.0610
Secrutiy Fire Fighting Services----
Security and Fire Fighting1---
Security and Fire Fighting Services--22
Securtiy and Fire Fighting Services-1.5--
Sewerage20202020
Sewerage treatment & garbage disposal0000
Shopping area0000
Storm Water Drainage10101010
Street Lighit----
Street Light2211
Under Ground Tank1111
Water Supply System18.71202020
2024 - Quarterly Expenditure (In Lakhs)
ParticularsJan-MarApr-JuneJuly-SepOct-Dec
Clubhouse/community centres0000
Electrical sub station5101010
Electricity Supply System5555
Electrification60606060
Other0000
Parking5555
Parks and Playgrounds2.05255
Rain Water Harvesting----
Rain water Harvesting5522
Renewable energy system-000
Roads & Pavements1412.071111
STP1010106
Secrutiy Fire Fighting Services----
Security and Fire Fighting----
Security and Fire Fighting Services11.522
Securtiy and Fire Fighting Services----
Sewerage20202020
Sewerage treatment & garbage disposal0000
Shopping area0000
Storm Water Drainage10101010
Street Lighit----
Street Light2221
Under Ground Tank2222
Water Supply System20202020
2025 - Quarterly Expenditure (In Lakhs)
ParticularsJan-MarApr-JuneJuly-SepOct-Dec
Clubhouse/community centres0000
Electrical sub station10101010
Electricity Supply System5553
Electrification60606060
Other0000
Parking5554
Parks and Playgrounds5555
Rain Water Harvesting----
Rain water Harvesting0.90.20.50.5
Renewable energy system0001
Roads & Pavements11111111
STP665.455
Secrutiy Fire Fighting Services----
Security and Fire Fighting----
Security and Fire Fighting Services11.532.5
Securtiy and Fire Fighting Services----
Sewerage20202020
Sewerage treatment & garbage disposal0000
Shopping area0000
Storm Water Drainage1010105
Street Lighit----
Street Light1111
Under Ground Tank2222
Water Supply System20202014
2026 - Quarterly Expenditure (In Lakhs)
ParticularsJan-MarApr-JuneJuly-SepOct-Dec
Clubhouse/community centres0000
Electrical sub station10666
Electricity Supply System2222
Electrification60606060
Other0000
Parking1.8111
Parks and Playgrounds5511
Rain Water Harvesting----
Rain water Harvesting0.50.50.50.6
Renewable energy system1111
Roads & Pavements11111111
STP5555
Secrutiy Fire Fighting Services----
Security and Fire Fighting----
Security and Fire Fighting Services2222
Securtiy and Fire Fighting Services----
Sewerage20202014
Sewerage treatment & garbage disposal0000
Shopping area0000
Storm Water Drainage5555
Street Lighit----
Street Light1111
Under Ground Tank2222
Water Supply System10101010
2027 - Quarterly Expenditure (In Lakhs)
ParticularsJan-MarApr-JuneJuly-SepOct-Dec
Clubhouse/community centres0000
Electrical sub station5555
Electricity Supply System2222
Electrification60505020
Other0000
Parking1111
Parks and Playgrounds1111
Rain Water Harvesting----
Rain water Harvesting0.21.0711
Renewable energy system1111
Roads & Pavements11111111
STP5555
Secrutiy Fire Fighting Services----
Security and Fire Fighting----
Security and Fire Fighting Services2222
Securtiy and Fire Fighting Services----
Sewerage5551.39
Sewerage treatment & garbage disposal0000
Shopping area0000
Storm Water Drainage542.542
Street Lighit----
Street Light1111
Under Ground Tank2222.15
Water Supply System10101010
2028 - Quarterly Expenditure (In Lakhs)
ParticularsJan-MarApr-JuneJuly-SepOct-Dec
Clubhouse/community centres0---
Electrical sub station5---
Electricity Supply System2---
Electrification10---
Other0---
Parking1---
Parks and Playgrounds1---
Rain Water Harvesting----
Rain water Harvesting0.2---
Renewable energy system1---
Roads & Pavements11---
STP5---
Secrutiy Fire Fighting Services----
Security and Fire Fighting----
Security and Fire Fighting Services2---
Securtiy and Fire Fighting Services----
Sewerage1.84---
Sewerage treatment & garbage disposal0---
Shopping area0---
Storm Water Drainage2---
Street Lighit----
Street Light0.48---
Under Ground Tank2.09---
Water Supply System10---

Other Details

Construction Specifications

FLOORING DETAILS OF VARIOUS PARTS OF HOUSENA
WALL FINISHING DETAILSNA
KITCHEN DETAILSNA
BATHROOM FITTINGSNA
WOOD WORK ETCNA
DOORS AND WINDOS FRAMESNA
GLASS WORKNA
ELECTRIC FITTINGSNA
CONDUCTING AND WIRING DETAILSNA
CUPBOARD DETAILSNA
WATER STORAGENA
LIFT DETAILSNA
EXTERNAL GLAZINGSNA
WINDOWS/GLAZINGSNA
DOORSNA
MAIN DOORSNA
INTERNAL DOORSNA
AIR CONDITIONINGNA
ELECTRICAL FITTINGSNA
CNG PIPE LINENA
PROVISION OF WIFI AND BROADBAND FACILITYNA
EXTERNAL FINISHING/COLOUR SCHEMENA
INTERNAL FINISHINGNA

Unit-wise Specifications

TOILET
FLOORNA
WALLSNA
CEILINGNA
COUNTERSNA
SANITARY WARE/CP FITTINGSNA
FIXTURESNA
KITCHEN
FLOORNA
WALLSNA
CEILINGNA
COUNTERSNA
FIXTURESNA
KITCHEN APPLIANCESNA
SIT-OUTS
FLOORNA
WALLS & CEILINGNA
RAILINGSNA
FIXTURESNA
BED ROOMS
FLOORNA
WALLSNA
CEILINGNA
WARDROBESNA
MASTER TOILET
FLOORNA
WALLSNA
CEILINGNA
COUNTERSNA
SANITARY WARE/CP FITTINGSNA
FITTING/FIXTURESNA
MASTER BEDROOM/DRESSROOM
FLOORNA
WALLSNA
CEILINGNA
MODULAR WARDROBESNA
LIVING/DINING/FOYER/FAMILY LOUNGE
FLOORNA
WALLSNA
CEILINGNA
UTILITY ROOMS/UTILITY BALCONY/TOILET
FLOORNA
WALLS & CEILINGNA
TOILETNA
BALCONYNA

Fee Details

Payment 1
amount:7461200
cheque no:19629
draft date:26-04-2019
payable to:HRERA Gurugram
payee bank:HDFC BANK
Payment 2
amount:7461200
cheque no:19630
draft date:26-04-2019
payable to:HRERA Gurugram
payee bank:HDFC BANK
Payment 3
amount:2052600
cheque no:19692
draft date:06-05-2019
payable to:HRERA Gurugram
payee bank:HDFC BANK
Payment 4
amount:233500
cheque no:20655
draft date:19-06-2019
payable to:HRERA Gurugram
payee bank:HDFC BANK
Payment 5
amount:7235000
cheque no:24465
draft date:12-05-2022
payable to:HRERA Gurugram
payee bank:HDFC BANK
Payment 6
amount:12488000
cheque no:52022051869103476
draft date:18-05-2022
payable to:HRERA Gurugram
payee bank:HDFC BANK-RTGS