This house looks beautiful ! But do not design a house which does not cover the walls with its roof. We made one long time back and still regret ! you will spend thousands and thousands of rupees over the years painting the exterior walls as they easily get discolored during SL conditions.
My logic is this, if you are maintaining 5 Mil in a current account I would assume that you are doing some sort of a business. Which means you must me having quite a considerable amount as earnings, which means you need to pay your income tax.