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Office No. 102, Snehraj Apartment, Baner, Pune — 411045+91 77570 45059
Property Strategy · A unique RDA practice

Your CA, your advocate,
your loan strategist — one table.

The only end-to-end property advisory in India where every competency you need to buy or invest in property — selection, legal vetting, financial structuring, tax planning, builder negotiation, registration — sits under one roof, with one point of accountability.

The problem

Five advisors. One property. Things fall through cracks.

The standard property purchase has five separate advisors talking past each other: a broker who’s incentivized to close the deal, an advocate hired late, a banker optimising loan disbursement (not your overall cashflow), a CA brought in at TDS time, and a tax planner thought about only when the capital-gain notice arrives.

None of them owns the outcome. RDA does. We sit on every side of the table — the same bench advises on the property, the legal contract, the loan, the tax, and the long-term holding strategy. One firm. One accountability.

Our process

Six steps from selection to registration.

01

Property selection & due diligence

We vet the builder's RERA record, run area benchmarks, compare carpet-vs-loaded pricing, and check title chain — before you sign anything.

  • Builder RERA & litigation history scan
  • Carpet-vs-built-up area verification
  • Title chain verification (30-year)
  • Project escrow compliance check
02

Financial structuring

How much down payment, how much loan, from which bank — optimised for your tax bracket, cashflow, and credit profile.

  • Tax-efficient down payment ratio
  • Multi-bank loan comparison (32+ partner network)
  • EMI vs lump-sum modelling
  • Joint ownership structuring
03

Legal vetting

Our advocates read every line of the agreement to sell, allotment letter, and side agreements — before you commit.

  • Agreement to Sell line-by-line review
  • Allotment letter audit
  • Stamp duty & registration cost planning
  • Force-majeure & possession clause defence
04

Tax planning

TDS, capital gains, indexation, joint ownership — every Income Tax compliance set up correctly the first time.

  • Property TDS (Section 194-IA) handling
  • Lower TDS Certificate for NRIs
  • Capital gains exemption planning (54F, 54EC)
  • Stamp duty deduction (Section 80C) optimization
05

Builder rate negotiation

We negotiate. You save. Our buyers typically secure 3-7% off list, plus better waivers on amenities & maintenance.

  • List price benchmarking
  • Discount & freebie negotiation
  • Floor rise & PLC waiver attempts
  • Maintenance deposit reduction
06

Documentation & closing

Registration, stamp duty payment, possession handover, post-purchase MahaRERA grievances if needed.

  • Registration appointment & execution
  • Stamp duty payment via e-SBTR
  • Possession & snag-list
  • Post-handover MahaRERA support
Who we serve

Two audiences. Same bench, different playbooks.

For homebuyers

Your first home shouldn't take 5 advisors.

Most buyers juggle a broker, an advocate, a banker, a CA, and a tax planner — and trust that none of them drop the ball. We bring all five competencies under one bench, with one point of accountability.

  • First-time buyer guidance (under-construction or resale)
  • Joint loan + co-applicant tax structuring
  • Section 80C, 24(b) interest deduction planning
  • Resale & redevelopment property due diligence
For investors

Commercial shops & offices — for yield and capital gain.

Pune's commercial corridors (Baner, Hinjewadi, Kharadi, Hadapsar) are growing fast. We help investors evaluate rent yields, GST implications on commercial purchase, and structure the holding entity tax-efficiently.

  • Commercial shop & office due diligence
  • Rent yield & break-even analysis
  • GST on commercial purchase (& ITC strategy)
  • Holding entity setup (LLP / Pvt Ltd / Family Trust)
For NRIs

Indian property, decoded from anywhere.

We’ve advised NRI clients across US, UK, UAE, Singapore, Australia, Canada, the EU, and Hong Kong on Indian property — purchase, inheritance, rental, sale, and repatriation. The complexity is in the FEMA + Income Tax + RBI overlap, and that’s exactly where we sit.

  • Lower TDS Certificate application (avoids 20%+ blanket TDS)
  • FEMA & RBI compliance on property purchase
  • Repatriation planning for sale proceeds
  • NRO/NRE account routing for stamp duty & registration
  • Power of Attorney drafting for in-India execution
  • Capital gains optimization for non-resident sellers
Why this is rare in India

Most CA firms don’t do property. Most brokers don’t do tax. We do both — under one entity.

01

CA-led, advocate-backed

Two CAs and three practising advocates — including a MahaRERA litigation specialist — on the same bench.

02

32+ banking partners

We don’t recommend the bank that pays us best. We benchmark across the network for your specific profile.

03

Fixed-fee, no commissions

We charge a transparent flat fee. No hidden builder kickbacks. No bank commissions skewing recommendations.

Talk to us

Have a property on your radar?

Leave your number. CA Bhagyashree or one of our property team will call within 4 working hours — no obligation, no sales pitch, just a strategic conversation.

Book a property strategy call

We respond within 4 working hours — strategic conversation, no sales pitch.

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