Know the numbers before you sign.
Work out your monthly EMI, see what your investment could return, and understand exactly what a Bengaluru home purchase involves — loan process, paperwork, and government charges included.
EMI & ROI calculator.
Move the sliders — figures update instantly. Estimates only, for illustration.
How the home loan process works.
Our sales team walks with you through each of these five steps.
Check eligibility
Based on income, age, credit score (CIBIL) and existing obligations.
Apply & submit documents
Identity, income and property papers submitted to your chosen lender.
Valuation & legal check
The bank appraises the unit and verifies our project's title and approvals.
Sanction letter
Loan amount, tenure and interest rate are formally offered to you.
Disbursement & EMI
Funds are released — often construction-linked — and your EMI begins.
Documents you'll typically need.
- PAN card & Aadhaar card
- Passport-size photographs
- Salary slips (last 3 months) or ITR (last 2–3 years, self-employed)
- Bank statements (last 6 months)
- Form 16 / income tax returns
- Proof of address & identity
- Sale agreement & allotment letter
- Employment proof / business continuity proof
Our customer relationship team prepares a checklist specific to your lender and shares it before your first branch visit.
Stamp duty & registration, indicatively.
| Stamp duty (properties above ₹45 L) | ~5% of property value |
| Stamp duty (properties ₹21 L – ₹45 L) | ~3% of property value |
| Stamp duty (properties up to ₹20 L) | ~2% of property value |
| Registration charge | ~2% of property value |
| GST (under-construction property) | 5% (1% for affordable housing) |
Rates are indicative; cess and surcharge on stamp duty are additional, and rates are revised periodically by the Karnataka government. Please confirm current rates with the Sub-Registrar's office or our sales desk before budgeting.
Financing & investment FAQs.
The questions we're asked most often on-site.
Most lenders finance up to 75–80% of the property value, so plan for a down payment of roughly 20–25%, along with stamp duty and registration charges which are paid separately and not financed.
Yes. Construction-linked disbursement is standard — the bank releases funds in stages tied to construction milestones, and your EMI (or pre-EMI interest) begins from the first disbursement.
Our in-house sales team assists in preparing your documentation and coordinating with your bank or NBFC of choice — we don't charge a facilitation fee for this.
Historically, capital appreciation has outweighed rental yield in Bengaluru's growth corridors — rental yields typically run 2–3.5% annually, while well-located properties have appreciated faster over 5–10 year holding periods. Both are factored into the ROI calculator above.
Yes — IndraDharthi Projects Pvt. Ltd. is registered under RERA Karnataka (Ack. No. ACK/KA/RERA/1251/309/AG/260921/008462). Project-specific registration numbers are shared in your sale agreement and available on request before booking.
Beyond stamp duty, registration and GST, budget for a one-time maintenance deposit, khata transfer charges, legal fees, and optional interior/parking costs — typically 8–12% over the quoted price in total.