Pick an option and change the assumptions. The result updates as you go. If nothing changes, comes out of the reserves this year and next year is still short.
Does it close the gap?
"This year" runs from the real end-of-August cash position through March 2027. "Next year" is April 2027 to March 2028, with all interest counted and tax provided.
Your bill
Flat type
Flats
Today / month
New base
GST
Total / month
Extra per year
Cash in the account
Starts from ₹5.9 L at the end of August 2026. Below zero, the reserves are used.
Side by side
Option
A-type flat / month
Extra per year
Raised this year
From reserves this year
Next year
Verdict
How the model works
Spending: ₹26 L a month, plus ₹8 L for the lift contract in June and December, plus tax each quarter. Or ₹33 L flat, the Treasurer's figure. Savings reduce it from January 2027.
Income in a quiet month: ₹1.8 L late maintenance, ₹0.8 L rentals and fees, ₹1.9 L HDFC interest, ₹0.5 L Sobha interest. In a billing month: 92% of the quarter's bills.
GST collected goes to the government. If input credit is on, the association keeps its own vendor GST in proportion to taxable billing.
Option 2 nets ₹69.5 L after GST, collected in November. The Sub-Committee's 10.1% is applied to the bill with GST inside it, as in their report.
Next year adds ICICI interest (₹38 L) and deducts tax on all interest.
Updated 15 September 2026. Accounts to end Aug 26; deposits as at 7 September 2026; survey August 2026. Published by the Managing Committee. Questions: spcaoa@gmail.com