Last updated: 24 October 2026
Last updated: 24 October 2026
Buyers of under-construction homes can usually choose between payment plans: a construction-linked plan that follows progress, or a plan that asks for a smaller share now and the rest at possession. This guide explains how a possession-linked plan such as the 20:80 plan that Auro Realty has offered at Kohinoor works and what to confirm before you choose one. Plans and terms change, so confirm the current plan with the sales team and in your agreement.
What a possession-linked plan means
You pay a share of the price at booking, for example 20%, and the balance at possession. The exact milestones, any interim payments and what happens if possession is delayed must be in the agreement for sale.
Plan types compared
| Plan | How it works | Worth checking |
|---|---|---|
| Construction-linked | Instalments as construction stages are completed | The stage schedule and the certificate that confirms each stage |
| Possession-linked | A smaller share now and the balance at possession | The total price, any pricing difference between plans, and the possession date |
| Down payment | A large share up front | The discount offered and the risk of money committed early |
Kohinoor at HITEC City
Kohinoor is a residential project of 7 towers of ground plus 41 on 12.3 acres, with 2, 3 and 4 BHK and duplex homes of 1,296 to 7,619 sq ft, 80% open spaces and a 50,000 sq ft clubhouse. The lower floors are ready to move in, and the other floors are under construction. Confirm which payment plan applies to the unit you choose. RERA registration numbers are on the project page.
What to check before you choose a plan
- The plan in writing, with dates, amounts and the possession date.
- Whether the price differs between plans.
- The RERA registration on the Telangana RERA portal and the registered possession date.
- The cost of any bank loan, since banks usually disburse against construction stages. See our home loan guide.
- Taxes and duties: GST on under-construction homes and 7.5% duties at registration. See our additional costs guide.
Related Reading
Frequently Asked Questions
What is a possession-linked payment plan?
A plan where you pay a smaller share at booking and the balance at possession. The terms must be in your agreement.
Is there a 20:80 plan at Kohinoor?
Auro Realty has offered one. Plans change, so confirm the current plan with the sales team and in writing.
What should I confirm before choosing a plan?
The amounts and dates, any price difference, the RERA possession date, and how your loan will be disbursed.
