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All RAV Group Projects · Dholera Smart City

Dholera Plot
Payment Plan 2026

10% to book. 40% within 30 days. 50% in 5 monthly EMIs. Full breakdown of BSP, EDC, IFMS, club, and PLC — no hidden charges.

Payment Schedule

3-Step Payment Plan

The same structure applies across all active RAV Group residential projects in Dholera.

1
10%
Booking Amount
At the time of booking

Secures your plot number. Sale Agreement is executed within a week. The booking amount is 10% of the total BSP (excluding additional charges).

📄 Receipt · Sale Agreement
2
40%
Second Instalment
Within 30 days of booking

Brings your total payment to 50% of BSP. Allotment letter is issued once this instalment clears. Plot is fully reserved in your name.

📄 Allotment Letter · Demand Letter
3
50%
Balance in 5 EMIs
Monthly instalments after 2nd payment

The remaining 50% of BSP is divided equally into 5 monthly instalments. Registry (sale deed) is executed on completion of all payments.

📄 Registry / Sale Deed on completion
Additional Charges

One-Time Charges on Top of BSP

These are paid at the time of registry (final payment). Not hidden — disclosed upfront on day one.

EDC
External Development Charges
₹120 / sqft
Paid: At registry
IFMS
Infrastructure Facility Mgmt Surcharge
₹25 / sqft
Paid: At registry
Club
Club Membership Charges
₹1,00,000 / plot
Paid: At registry
PLC
Preferential Location Charges
+5% or +10% on BSP
Paid: If applicable
PLC — Preferential Location Charges
Park Facing / Corner plot / 12-Meter road facing +10% on BSP
9-Meter road facing +5% on BSP
Standard plot (no PLC) +0%
Sample Calculation

200 sq yd Plot at ₹1,100/sqft — Full Cost Breakdown

Example using Grand 2 pricing. Swap the BSP for any project to calculate your own.

Item Calculation Amount
BSP (Base Selling Price) 1800 sqft × ₹1,100 ₹1,980,000
EDC 1800 sqft × ₹120 ₹216,000
IFMS 1800 sqft × ₹25 ₹45,000
Club Charges Flat per plot ₹100,000
Total All-In Cost (no PLC) ₹2,341,000
200 sq yd = 1,800 sqft · Stamp duty & registration not included (as per Gujarat state rates) · PLC adds 5–10% on BSP if applicable
Payment Schedule for ₹1,980,000 BSP
10% — Booking
Pay now
₹198,000
40% — Within 30 days
Month 1
₹792,000
EMI 1 of 5 (10%)
Month 2
₹198,000
EMI 2 of 5 (10%)
Month 3
₹198,000
EMI 3 of 5 (10%)
Month 4
₹198,000
EMI 4 of 5 (10%)
Month 5
₹198,000
EMI 5 of 5 (10%) + Charges
Month 6 — Registry
₹559,000

Note: Exact EMI amounts may vary slightly due to rounding. Stamp duty and registration are payable separately at registry as per Gujarat government rates.

What Each Stage Means

Understanding Your Payment Journey

The 10%+40%+50% structure is designed to protect both the buyer and the developer. Here is what happens at each stage and what you receive in return.

Stage 1
10% Booking Amount
Paid on the day of booking. You receive a confirmed allotment letter with your plot number, size, and BSP locked in. This payment secures the plot — no one else can be allotted it after this. The amount is fully adjustable against the final cost.
Stage 2
40% Within 30 Days
Due within 30 days of booking. After this payment, the developer issues the Buyer's Agreement — a legally binding document that defines your rights, the project timeline, and the refund policy. This is the document you get audited by your CA if investing from an NRE account.
Stage 3
50% in 5 Monthly EMIs
The balance is split across 5 equal monthly instalments. No interest is charged on these EMIs — this is a developer-structured plan, not a bank loan. Once all 5 EMIs are complete, you proceed to registry. The entire process from booking to registry typically takes 6–8 months.
Plot Loan

Can You Take a Bank Loan for a Dholera Plot?

Yes — but with conditions. Most banks (SBI, HDFC, Axis, ICICI) lend against plots with clear NA conversion, NOC, and title documents. For Dholera plots (NA · NOC · Title Clear), confirm loan eligibility with your bank before proceeding. Key requirements:

Clear Title Required
Banks lend against plots with NA conversion order, NOC, and encumbrance-free title — all of which Dholera RAV Group plots carry. Confirm with your bank's branch manager for the specific project before applying.
LTV Ratio
Banks typically lend 60–70% of the plot value (LTV). You must arrange 30–40% as your own contribution. The 10%+40%+50% developer plan means your first 50% must come from your own funds — bank loan covers the remaining 50% balance EMIs.
Interest Rates
Plot loan rates typically run 8.5–10% p.a. (2026 rates). This is higher than a home loan rate because a plot without construction carries more risk for the bank. Factor this into your all-in cost calculation.
Tax Benefit
No Section 80C or Section 24 deduction is available on a plot loan (unlike a home loan). Tax benefit kicks in only when you construct on the plot — relevant for long-term buyers who plan to develop.
NRI Loans
NRIs can take a plot loan through their NRE account or via an Indian co-borrower. Repayment must be from NRE/NRO account. Saurabh can refer a CA familiar with FEMA compliance for NRI loan structures.

For a complete plot loan guide including bank-wise LTV ratios and eligibility, read: Can I Get a Loan for a Dholera Plot? — Full Guide 2026

Common Questions

Frequently Asked — Payment Plan

What happens if I miss an EMI instalment?
RAV Group allows a grace period (typically 15–30 days) before applying a delayed payment charge. Missing one EMI does not cancel your allotment. However, sustained non-payment beyond 90 days may trigger a cancellation clause with a recovery deduction. Always notify Saurabh in advance if a payment is delayed — it can be rescheduled in most cases.
Can I pay off the balance early?
Yes. Pre-payment (paying all EMIs in one go) is allowed and often comes with a small discount offered by the developer at their discretion. Saurabh can negotiate this on your behalf. Early payment also speeds up your registry date.
Is the EMI plan interest-free?
Yes — the 50% balance in 5 monthly EMIs carries zero interest. This is a developer-structured construction-linked plan, not a bank loan. You are effectively getting an interest-free deferral of half the plot cost.
What is the stamp duty on a Dholera plot?
Gujarat stamp duty on residential plots is 4.9% (as of 2026) — significantly lower than Delhi/NCR's 6–8%. Registration charges are an additional 1%. Stamp duty is calculated on the circle rate or the agreement value, whichever is higher. Saurabh shares the exact amount before you sign.
Can an NRI use this payment plan?
Yes. NRIs can use the same 10%+40%+50% plan. Payments must be made via NRE/NRO bank account or direct foreign remittance — cash payments are not accepted. A Power of Attorney can handle all stages remotely if you cannot travel to India.
Get an Exact Quote

What Will Your Specific Plot Cost?

Tell Saurabh your preferred project, plot size, and budget — he'll send you an all-inclusive cost sheet within the hour.

📞 Call Saurabh — +91 99113 32635 💬 WhatsApp for Cost Sheet

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