https://gulmohar.ai/ https://gulmohar.ai/images/property-tree.png A person resting under a Gulmohar tree Gulmohar — independent property assessment https://gulmohar.ai/ https://gulmohar.ai/images/clarity-tree.png Seeing the full picture before you decide Full clarity before committing to a property purchase https://gulmohar.ai/blog/should-you-buy-a-home-india https://gulmohar.ai/blog/should-you-buy-a-home-india/opengraph-image?v=bloom-1 Should you buy a home right now? Five questions to answer before you open a single listing Most buyers start with listings and work backwards to a decision. Do it the other way round: five questions, each with a number you can check, tell you whether buying fits you at all. On a ₹1 crore flat, the cash alone comes to about ₹40 lakh. https://gulmohar.ai/blog/before-you-pay-a-token-checklist-india https://gulmohar.ai/blog/before-you-pay-a-token-checklist-india/opengraph-image?v=bloom-1 Before you pay a token: eleven things to check, and four RERA numbers worth knowing A token amount feels small, but it starts a process that is hard to undo. Four numbers from the RERA Act, 10%, 70%, five years and thirty days, plus seven practical checks, decide whether the next payment is safe. https://gulmohar.ai/blog/how-much-home-can-you-afford-india https://gulmohar.ai/blog/how-much-home-can-you-afford-india/opengraph-image?v=bloom-1 How much home can you afford? Three limits, and the lowest one wins Banks tell you the most they will lend. That is only one of three limits. On the same ₹25 lakh salary, the lender's limit allowed a ₹1.54 crore flat, comfort allowed ₹1.08 crore, and ₹25 lakh of savings allowed only about ₹54 lakh. https://gulmohar.ai/blog/is-the-asking-price-fair-india https://gulmohar.ai/blog/is-the-asking-price-fair-india/opengraph-image?v=bloom-1 Is the asking price fair? A one-hour check, with real numbers from one Gurgaon sector Even inside one sector, asking prices for flats differ a lot: in Sector 56, Gurgaon, the 25th to 75th percentile ran from ₹12,678 to ₹18,583 per sq ft across 534 listings. For a 1,300 sq ft flat that is a ₹77 lakh spread. Here is how to tell where yours sits. https://gulmohar.ai/blog/rent-or-buy-one-number-india https://gulmohar.ai/blog/rent-or-buy-one-number-india/opengraph-image?v=bloom-1 Rent or buy? Start with one number: what rent is as a share of the price A flat with a median asking price of ₹1.43 crore in Gurgaon rents for about ₹31,900 a month, roughly 2.7% of the price a year. A 9% loan on three-quarters of it costs about 2.5 times that in interest alone in year one. https://gulmohar.ai/blog/hyderabad-micro-markets-2026 https://gulmohar.ai/blog/hyderabad-micro-markets-2026/opengraph-image?v=bloom-1 Hyderabad's 'high rental yield' story doesn't show up in the listings. Here's what does. Hyderabad is often pitched as India's rental-yield city. Across 102 localities in the Gulmohar Atlas, the median asking yield is 3.5%, level with Bengaluru and below Mumbai, and an independent rent index agrees. Here's how the western IT corridor actually prices, and the approval check that matters more here than almost anywhere. https://gulmohar.ai/blog/mumbai-mmr-thane-navi-mumbai-compared https://gulmohar.ai/blog/mumbai-mmr-thane-navi-mumbai-compared/opengraph-image?v=bloom-1 ₹1.5 crore buys about 560 sq ft in Andheri, 940 in Thane West or 1,260 in Kharghar. Rents don't make up the difference. Across more than 1 lakh listings in the Mumbai region, asking prices fall about fourfold from the island city to Thane and Navi Mumbai, but rental returns barely move: every zone sits between 3.5% and 4.1% gross. The idea that cheaper suburbs pay much higher rents isn't in the data. https://gulmohar.ai/blog/noida-vs-gurgaon-2026 https://gulmohar.ai/blog/noida-vs-gurgaon-2026/opengraph-image?v=bloom-1 Noida vs Gurgaon: Noida is about 23% cheaper per sq ft. Here's what the gap buys you, and what it costs. Across thousands of listings, Noida's median asking price is about 23% below Gurgaon's, and rents return under 3% of the price in both. But 72% of Noida's active registered projects are past their own completion date, against 39% in Gurgaon. Here's how to choose for your budget and commute. https://gulmohar.ai/blog/nri-property-buying-india-sight-unseen-risk https://gulmohar.ai/blog/nri-property-buying-india-sight-unseen-risk/opengraph-image?v=bloom-1 Buying property in India from abroad: the checks that matter when you can't be there A High Court judge described fraud against overseas owners as abuse 'where absence is weaponised'. Here's the verification routine that closes the gap distance creates: what to check, who should act for you, and the tax and repatriation rules to plan around. https://gulmohar.ai/blog/real-estate-vs-mutual-funds-india https://gulmohar.ai/blog/real-estate-vs-mutual-funds-india/opengraph-image?v=bloom-1 Property or mutual funds? The comparison most people get wrong, worked through properly Most property-vs-funds comparisons pit one asset's best decade against the other's average year. We put the same ₹1.07 crore into a rental flat and a fund for 10 years, counting rent, costs and the loan. Property only wins if prices grow fast, and a loan made it worse, not better. https://gulmohar.ai/blog/rent-vs-buy-city-by-city-india https://gulmohar.ai/blog/rent-vs-buy-city-by-city-india/opengraph-image?v=bloom-1 Rent or buy? In five Indian cities, it comes down to one race: house prices against your investments We ran a rent-vs-buy model on real asking prices and rents in Gurgaon, Noida, Bengaluru, Hyderabad and Mumbai. With rents at roughly 3% of prices, buying only wins if home prices grow about as fast as your investments would. Here's the grid, city by city. https://gulmohar.ai/blog/stalled-delayed-housing-projects-india https://gulmohar.ai/blog/stalled-delayed-housing-projects-india/opengraph-image?v=bloom-1 In Noida and Bengaluru, most 'active' housing projects are already past their own completion date. Here's how to check yours. We looked at 20,985 projects on five state RERA portals. In Noida, 72% of projects still listed as active have a registered completion date that has already passed; in Bengaluru, 69%. Here's what that does and doesn't mean, and how to check a specific project before you pay. https://gulmohar.ai/blog/afford-flat-40-lpa-salary https://gulmohar.ai/blog/afford-flat-40-lpa-salary/opengraph-image?v=bloom-1 On ₹40 LPA, a bank may lend you ₹1.85 crore. Here's what you can actually afford. The loan a bank will approve and the home you can comfortably afford are different numbers. We worked through three households on the same ₹40 LPA salary: their comfortable budgets range from about ₹1.19 crore to ₹1.81 crore, and each needs ₹49–69 lakh in cash up front. https://gulmohar.ai/blog/bengaluru-1-8-crore-rent-vs-buy https://gulmohar.ai/blog/bengaluru-1-8-crore-rent-vs-buy/opengraph-image?v=bloom-1 The Bengaluru couple on Reddit can afford their ₹2.7 crore flat. The price is the real question. A Bengaluru couple asked Reddit whether to take a ₹1.8 crore loan for a ₹2.7 crore J P Nagar flat. On their reported finances the EMI is comfortable. But at ₹15,000 per sq ft, the price sits above three-quarters of asking prices in that pincode. Here's the full working. https://gulmohar.ai/blog/foir-home-loan-india https://gulmohar.ai/blog/foir-home-loan-india/opengraph-image?v=bloom-1 FOIR: the number that decides your home loan, and why every bank works it out differently FOIR is the share of your income already going to EMIs. Lenders use it to decide how much they'll lend, but there's no single national limit, and banks don't all count income the same way. Here's how it works, with the maths. https://gulmohar.ai/blog/rera-how-to-check https://gulmohar.ai/blog/rera-how-to-check/opengraph-image?v=bloom-1 1 in 5 Gurgaon projects on the RERA register is no longer 'active'. How to check yours, step by step. A RERA number on a brochure isn't the check. On Haryana's register, 229 of 1,087 Gurgaon projects have lapsed; on UP-RERA, 166 Noida projects are in insolvency. Here's how to find the right project and phase, what to read on the record, and what registration doesn't tell you. https://gulmohar.ai/blog/under-construction-vs-ready-to-move https://gulmohar.ai/blog/under-construction-vs-ready-to-move/opengraph-image?v=bloom-1 Under-construction or ready-to-move: which actually costs less? Under-construction homes now carry higher average asking prices than ready ones in Delhi, Gurugram and Mumbai. But the real comparison is total cost over the same period. We modelled both, including a 12- and 24-month delay. https://gulmohar.ai/blog/bangalore-whitefield-2025 https://gulmohar.ai/blog/bangalore-whitefield-2025/opengraph-image?v=bloom-1 Whitefield asks a third more per sq ft than Bengaluru as a whole, and a 'loading' of 1.38 can turn ₹12,500 into ₹17,250. How to check the real price. Whitefield's median asking price is ₹12,912 per sq ft, against ₹9,791 for Bengaluru's localities as a whole, and rents return about 3% a year. Here's what neighbouring localities ask, how carpet loading changes the price you're quoted, and the upfront costs Karnataka now charges. https://gulmohar.ai/blog/property-title-check-india https://gulmohar.ai/blog/property-title-check-india/opengraph-image?v=bloom-1 Two in three civil cases in India's courts are about land or property. How to commission a title check before you pay. In a survey of 9,329 litigants across 24 states, 66% of civil cases were about land or property. A title check by your own lawyer is how you avoid becoming one. Here's what to ask for, which documents usually matter, and what bank approval, RERA and the encumbrance certificate can't tell you. https://gulmohar.ai/blog/gurgaon-sector-pricing-2025 https://gulmohar.ai/blog/gurgaon-sector-pricing-2025/opengraph-image?v=bloom-1 What's a fair price in Gurgaon? What 9,769 listings say, and a surprise on rents We grouped 9,769 Gurgaon sale listings into 17 localities where property portals agree on price. Median asking rates run from about ₹9,000 to ₹20,000 per sq ft, and rents return only 2–3% a year on almost all of them. Here's how to use that to test a quote.