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Volume 3, Issue 4 Oct 2015 - Dec 2015

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Dear Readers,

At the outset I wish you and your Family a Very Happy New Year

2016 fetching you plenty of peace and prosperity.

We need to learn from the happenings of the last year. As I shared

with you in my earlier messages that we are in the compe ve

environment where proficiency in work along with produc vity is

the need of me for survival because the Infrastructure industry is

the founda on industry of any economy, especially in developing

countries whose material intensity is likely to increase significantly in

the future, for infrastructure development and growth in

manufacturing sector.

Produc vity is the combina on of intelligent planning and focused

efforts. Staying produc ve at work can be a challenge. But proper

planning and sequencing of ac vi es can help us to overcome the

challenge.

Produc vity is an average measure of the efficiency of produc on.

Outputs and inputs are defined in the produc vity. And both inputs

and outputs have economic values. These values decide the income

and in turn growth of our organiza on.

In order to be more produc ve in our Business we need to be

innova ve, skillful and enterprising. In addi on we have to guide

and mo vate our colleagues for effec ve working with proper

u liza on of resources resul ng into more produc on.

I therefore urge that you all need to contribute to the growth of our

organiza on by way of more produc on along with innova on, skills

and op mum u liza on of resources.

Abhay Sanche Chairman

With effect from 11th January 2016

Has been changed

to

The Name of Our Company

1. Chairman’s Message ..……………….....…..…..01

2. Index ……………………..................…….…....... 02

3. Editorial…………………….................…….…......03

4. Remembrance............................................04

5. From the Ver cal :

R & R, Irriga on.....................................07

Finance & Accounts ……………....…….......06

E & CE…................................................. 05

HR………………..................….……………...….08

6. Celebra ons........................................................ 09

7. Training & Workshop….................……..….....10

8. Employee Zone ..............................................11-14

9. Health Corner...................................................... 15

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Self-Mo va on Staying mo vated is a struggle — our drive is constantly assaulted by nega ve thoughts and anxiety about the future. Everyone faces doubt and depression. What separates the highly successful is the ability to keep moving forward. There is no simple solu on for a lack of mo va on. Even a er bea ng it, the problem reappears at the first sign of failure. The key is understanding your thoughts and how they drive your emo ons. By learning how to nurture mo va ng thoughts, neutralize nega ve ones, and focus on the task at hand, you can pull yourself out of a slump before it gains momentum. Reasons We Lose Mo va on There are 3 primary reasons we lose mo va on. Lack of confidence – If you don’t believe you can succeed, what’s the

point in trying? Lack of focus – If you don’t know what you want, do you really want

anything? Lack of direc on – If you don’t know what to do, how can you be

mo vated to do it?

How to Boost Confidence 1. Faster promo ons – Hard-working employees who also go the extra mile above what is expected will be promoted faster than those who just do their jobs. Un l you can show you can do the job of the person above you, there is li le chance of being promoted. Do more than you’re asked. Ask for addi onal responsibili es. If you do these, things will work out be er for you. 2. Trust – If you are self-mo vated, you will work un l things get done. You won’t have to be asked when projects will be complete or if you need help. Your boss will trust that you will do what you say you will do. You will get things done on me. And, with trust comes… 3. More interes ng projects – It can get boring doing the same thing every day. You show up to work, go through the same rou ne. It would

be so nice to work on something different and actually interes ng. Self-mo vated people get those opportuni es. With more trust, you will be given more interes ng projects. You’ll learn something new. You might work with different people and maybe even get to travel to other loca ons for the project. It will definitely be be er than just punching the clock to get your paycheck. 4. Personal sa sfac on – Boring and rou ne work isn’t very sa sfying. A self-mo vated person can’t stand boring or rou ne. Something be er is always the goal. With be er projects, co-workers, clients, etc. will come the opportuni es to be more sa sfied. You will be challenged, get more decision-making authority and have more fun. Wouldn’t you like to go home every day and think, “Wow, I actually enjoy my job again”?

Ms. Lekha Jalan

Mr. Chandrakant Waikar

Mr. Dhiraj Telrandhe

Mrs. Shweta Bhoyar

Dr. Ila Tiwari

Mr. Satyanarayana

Kunduruppu

Mr. Pravin Umathe

Ms. Lekha Jalan

Compiled by:

Editorial Board :

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Birth Anniversary Birth Anniversary -- Late. Shri Shaktikumar M. Sancheti Late. Shri Shaktikumar M. Sancheti

The Birth Anniversary of our Founder Chairman - Late. Shri Shak kumar M. Sanche falls on 19th December. To commemorate the occasion

with reverence, the employees at Corporate Office, Nagpur has organized Blood Dona on Camp in collabora on with Hedgewar Blood Bank, Nagpur.

Remembrance

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Successful Completion of our Surpura Dam Project, Rajasthan

R&R and Irrigation

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Effects of GST on Individuals

Finance & Accounts

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Major projects secured by SMS Envocare Ltd. in this quarter

E&CE

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Appreciation or Employee Recognition

HR

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Dussehra festival celebration at MEPL Butibori

CelebrationsCelebrations

On the occasion of Dussehra, puja of all the waste collec on vehicles was performed at MEPL site. The presence of all the drivers, logis c in-charge and staff members at the site on this fes ve day is highly appreciable. Post ritual, sweets were distributed to all.

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Workshop & Workshop & TrainingsTrainings

Workshop on Stress management and Naturopathy

This workshop was being undertaken by Vikalp Social and Charitable Trust. In this process the priority is to train the corporate world on stress management. It was Lecture Cum Demonstra on workshop and was specially designed for working execu ves. People in the corporate or working individuals who work for 6 to 9 hours a day happen to get prone to a lot of problems and diseases like Spondyli s, Diabetes, Joints pain, Headache, Acidity and mainly Mental stress.

NABL Awareness training

Training Title: - NABL Awareness 3 days technical training session was being under taken by Dr. P. K. Behera (Senior Scien st in CPCB, New Delhi) on NABL Awareness and Uncertainty measurements at our Maharashtra Enviro Power Limited. Ranjangaon, Pune. The major agenda of training was to make MEPL laboratory staff aware about the requirements toward NABL accredita on.

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Buying a home is a big step. It is a

source of anxiety, frustra on and a huge sense of accomplishment. With the zooming property rates, it is difficult a buy a home through our savings en rely. Almost all of us have to avail a home loan. Usually, a home loan is one of the biggest liabili es. Considering the huge amount and the long tenure involved. However, your home loan also offers you some benefits. The below write-up highlights the advantages of taking a home loan. Sense of accomplishment Buying a home is one of the biggest financial investments you may make in your life me; and that's not just because of the sen mental value. The sum that most of us sink into our home does make it the largest component of our investment por olio! Capital Apprecia on For each one of us who has seen property prices boom over the last five years, the prospect of mouth-watering capital apprecia on is the biggest argument for buying a home. Construc on costs alone, which account for more than 70 per cent of the flat's cost, have risen at 15 per cent annually in the past decade. Rents too seem to keep up with infla on; making a home is one of the few investments that can shield you from infla on for the long term. Low interest rate Buying a home is a long-term decision of over a 10-year period; the interest rates may go through several up and down cycles. Therefore, you can be sure that you will benefit from falling rates at some point in the cycle. There could also be situa ons in which the interest rates fall, allowing you to prepay your loan and own your home. For instance, those who bought property in 1995, at an interest rate of 18 per cent, not only saw interest rates fall

drama cally over the next decade, to bo om out at about 7.5 per cent, property prices too appreciated steeply. This works as a double boost to wealth. The best way to manage borrowing costs is by ac vely managing your home loans! That's not as difficult as it is sounds. Banks and home-loan lenders o en give new borrowers much be er rates than exis ng borrowers. During the up ck of the interest rate cycle, if your cost of borrowing increases by more than 2 percentage points, pay 0.5 per cent of the loan outstanding as processing fee (conversion charge) to your lender to avail the rates offered to the new borrowers. Current home loan rate is 9.50% for women and 9.55% for others (State Bank of India rate). Tax Benefit: Interest paid As per Sec on 24(b) of the Income Tax Act, 1961 a deduc on up to Rs. 2 lakh towards the total interest payable on the home loan towards purchase / construc on of house property can be claimed while compu ng the income from house property. The interest payable for the pre-acquisi on or pre-construc on period would be deduc ble in five equal annual installments commencing from the year in which the house has been acquired or constructed. Tax Benefit: Principal Repayment As per Sec ons 80C read with sec on 80CCE of the Income Tax Act, 1961 the principal repayment up to Rs. 1.5 lakh on your home loan will be allowed as a deduc on from the gross total income subject to fulfillment of prescribed condi ons. Buying a home vs. ren ng a house Let's compare two individuals. Ram, is willing to buy a flat at current prices, while the other Shyam prefers to stay in a rented house. We assume Ram funds the flat cost of Rs. 33 lakh with his own capital of Rs. 8 lakh and the balance through a loan of Rs. 25 lakh for 15 years at an interest rate of 10 per cent per annum. His monthly commitment (equated monthly installment) towards

the loan will be Rs. 26,865. Assuming that the interest rate remains the same throughout the 15 years, he will pay back a sum of Rs. 48.35 lakh to the bank. Assuming he is in the 30 per cent tax bracket and earns tax benefits on the interest component alone (in deference to the new Direct Taxes Code), he would shell out a net sum of Rs. 42.75 lakh. Now, assuming property prices increase at a rate of 7 per cent, his Rs 33 lakh home will be worth Rs. 91 lakh a er 15 years. His investment in the property fetched him an apprecia on of Rs. 40.63 lakh. That is an internal rate of return of 6.9 per cent. Now, coming to Shyam, he decides to rent a home very similar to that bought by Ram. Assuming rental yields of about 3.5 per cent, he would need to shell out about Rs 10,000 per month in the form of rent. Now, as property prices are rising by 7 per cent every year, the landlord will raise his rent too by a similar amount. Having not invested in a home, he has a surplus every month (the no onal value of the EMI minus the rent paid) to invest in safe instruments. Let us presume that Shyam is able to avail tax benefits at 30 per cent of the rent paid, by way of HRA. In the first year he saves monthly a sum of Rs 19,835 (Rs 26835 - Rs 7,000) and invests Rs 8 lakh (margin money for buying a house) at a post-tax return of 7 per cent. At the end of 15 years his total savings will be worth Rs 68 lakh. He would have paid out Rs 21 lakh by way of rent. His IRR would work out to 2.5 per cent. Though the investor saves quite a bit in ini al years, the rise in rents reduces his savings in later years. In the above instance, obviously, Ram has got a much be er deal than Shyam. Therefore, buying a home will pay off most for people who plan to stay in one loca on for a long horizon (say 15 years) and those who are in the higher tax brackets. Apart from this, property prices have to appreciate at a reasonable rate, preferably higher than infla on.

Home Loan Buying

vs. Renting a Home

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Employee ZoneEmployee Zone

Puneet Rochiramani

Assistant Manager – Finance

& Accounts Corporate Office

Ergonomics

and

health

Ms. Urvashi Pisal Technical Coordinator

SMSEnvocare Limited, Pune

The science of the design of equipment, especially so as to reduce operator fa gue, discomfort and injury is known as Ergonomics. The word "Ergonomics" comes from two Greek words "ergon", meaning work, and "nomos" meaning "laws". When working at a computer /worksta on, you may experience postural discomfort, par cularly if the same posi on is maintained for extended periods of me. This discomfort can be minimized with a well-designed and correctly adjusted worksta on that supports correct posture. An understanding of office ergonomics principles to every employee is very important for maintaining good physical and mental health. A number of factors play a role in Ergonomics; these include body posture and movement (si ng, standing, li ing, pulling and pushing), and environmental factors (noise, ligh ng, temperature, humidity). These are following office ergonomics ps to help you avoid fa gue: Posi on the top of your monitor screen at eye level. Tilt your monitor back 10° to 20° to keep the same focal length

as your eyes scan from the top to bo om of screen. Posi on your monitor no closer than 20" (50 cm) from your

eyes. A good rule of thumb is an arm’s length distance. The top of your keyboard should be level with the height of your

elbow. Tilt your keyboard back slightly so that your wrists remain flat. Use a wrist rest so your hands and wrists remain relaxed. Rest your eyes periodically by focusing on an object

20+ feet (6+ m) away. Use an easily adjusted chair, display mount and

keyboard tray. Change the posi on of your display and keyboard to accommodate reflexive changes in your posture.

Stand and stretch your back and arms from me to me.

Best situa on: Stand more! Arrange your worksta on so you can stand periodically while compu ng.

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Employee ZoneEmployee Zone

Anger

Management

Some mes the anger may stem from outside sources. Many mes, employees are dealing with stressful events in their own lives, and the resul ng anger can carry over to the workplace. Divorce, a death in the family, financial pressure and serious illnesses can all cause an individual to become overwhelmed and irritated. Rarely are we taught to deal with loss and stressful situa ons, so we tend to bury those feelings, which can turn to anger or rage over me.

Steps to Control Anger Construc vely Avoid anger as much as possible. This doesn't mean suppress you

feelings, but rather improve your outlook on yourself and life so there are fewer situa ons in which you would become angry.

Think about your anger and determine if it really makes sense given the situa on.

Control your physical response to anger by doing construc ve things, such as exercising, ge ng enough sleep and avoiding alcohol. The healthier you are, the more likely you are to respond appropriately to situa ons.

Let go of unmanageable anger. Many situa ons will be out of your control, so it is important to let go of this type of anger. Ask yourself, "Can I resolve whatever it is that's causing this anger?" If you can't, then you need to let it go.

You don't have to live in a state of bi erness, anger or rage. If you deal effec vely with your anger, you will increase your chances of being promoted at some point and of being an effec ve leader when the me comes.

When Anger Strikes - Take several deep breaths. Repeat a calming word or phrase in your mind, such as

"relax" or "stay calm." Slowly count to 10. Ask yourself, "How would my favorite leader handle

this situa on?" Avoid tensing up your muscles. As soon as you can,

close your eyes and consciously think to unclench your jaw and loosen your muscles.

Ms. Rinky Shewate Execu ve HR

Corporate Office

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Employee ZoneEmployee Zone

Aadhar Card Camp

The Aadhar Card Camp was organized at Corporate Office – Nagpur for Employees those who were willing to apply for Aadhar Card along with their Family members. Mr. Sushant Mukherjee (CFO), Mr. Deepak Rahile (Execu ve HR) & Aadhaar card commi ee personnel guided the employees to use the opportunity to obtain the cards.

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Employee ZoneEmployee Zone

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Fitness Mantra Remodel Your New Year Resolutions this Year!!

Health CornerHealth Corner

SMS LIMITED 20 IT Park, STPI, Gayatri Nagar, Parsodi, Nagpur–440022

www.smsl.co.in

Volume 3, Issue 4 Oct 2015 - Dec 2015