The Eldeco Echoes of Eden payment plan is 30:40:30 construction-linked: 30% during booking phase (a direct booking amount of up to 10% of BSP — Sec-13 cap, no separate EOI — + 20% within 90 days covering AFS signing, stamp duty, registration), 40% across RERA-aligned construction milestones (foundation, structure, finishes), and 30% at possession after OC. This schedule applies to the current Caelum tower — the only tower still bookable now, since Haven and Elysian are fully booked and the 2 BHK+2T is sold out project-wide. BSP is ₹10,999/sq.ft* super area, plus other charges, as on 24 September 2026; the unit-wise dated cost sheet showing each instalment for your configuration comes from our desk on WhatsApp, in writing. Pre-EMI on home loans accrues only on the disbursed portion. Possession January 2031 per RERA filing (UPRERAPRJ125342/02/2026). Last reviewed: , against the desk facts dated 21 August 2026.
The Plan at a Glance
The construction-linked structure protects buyers by tying payments to verifiable build milestones (foundation, slab pour, finishes) rather than to calendar dates. RERA requires the developer to upload milestone certificates to the UP RERA portal, and the bank disburses against those certificates.
Milestone Schedule
Direct Booking — 10% of BSP (No EOI)
Pay a booking amount of up to 10% of BSP directly (the Sec-13(1) statutory cap for under-construction bookings) — there is no separate Expression of Interest step at Eldeco EOE. The allotment letter is issued at this point. BSP is ₹10,999/sq.ft* super area, plus other charges, as on 24 September 2026; the unit-wise dated cost sheet showing your exact booking amount comes from our desk on WhatsApp, in writing. 10% of BSP
AFS + 30% Booking Phase Complete
Within 90 days: top up to 30% of BSP, sign the RERA-mandated Agreement for Sale, pay stamp duty (7% UP) + registration (1%) on the AFS. 30% of BSP cumulative
Construction Milestone 1 — Foundation
~10% of BSP, triggered on completion of foundation works. Bank disburses against the RERA milestone certificate. Pre-EMI starts accruing on the disbursed portion. +10%
Construction Milestone 2 — Structure
~15% of BSP, triggered as the structure rises (typically slab-wise during the up-build of the 32-storey tower). +15%
Construction Milestone 3 — Finishes
~15% of BSP, triggered on completion of finishes — flooring, fittings, VRV AC installation, kitchen / wardrobe carcass. +15%
Possession — Final 30%
After OC (Occupancy Certificate) is received from YEIDA. Final 30% of BSP paid, IBMS and club fees collected, physical handover, possession-stage stamp duty and registry. Full EMI starts. +30% = 100%
Payment Schedule Structure — 3 BHK + 2T
For a 3 BHK + 2T (1,550 sq.ft super) at the BSP of ₹10,999/sq.ft* super area, plus other charges, as on 24 September 2026 (Caelum tower), here is the payment schedule structure, on BSP only. GST, stamp duty, IBMS, PLC, club, and parking are additional. The unit-wise dated rupee amount for each stage comes from our desk on WhatsApp, in writing — see the total cost calculator for the full breakdown.
| Stage | % of BSP | Cumulative |
|---|---|---|
| Direct Booking (no EOI) | 10% | 10% |
| Within 90 days (AFS) | 20% | 30% |
| Foundation milestone | 10% | 40% |
| Structure milestone | 15% | 55% |
| Finishes milestone | 15% | 70% |
| Possession (OC issued) | 30% | 100% |
*Percentages apply to the BSP of ₹10,999/sq.ft* super area, plus other charges, as on 24 September 2026, for the 1,550 sq.ft 3 BHK + 2T. Add 5% GST, 7% UP stamp duty, 1% registration, IBMS, PLC and club fees for the full cost. Prices subject to revision at each milestone. Rupee cost sheet shared by Vidit at booking, on WhatsApp, in writing.
Bank Disbursement & Pre-EMI Mechanics
Major lenders supporting construction-linked disbursement on RERA-registered projects include SBI, HDFC, ICICI, Axis Bank, LIC HFL and Bajaj. The bank sanctions the full loan amount up front but disburses against milestone certificates filed with UP RERA.
- Pre-EMI during construction: Interest on the disbursed portion only — not on the full sanctioned loan. Significantly lower monthly outflow during the 24–36 months of construction.
- Tranche structure matches plan: Bank releases 10% at foundation, 15% at structure, 15% at finishes, 30% at possession — matching the construction-linked schedule.
- Full EMI begins: Once 100% disbursed (typically at possession or shortly after OC).
- Rate band 2026: 8.35–8.75% floating for salaried profiles on premium RERA projects. Specific rate depends on CIBIL score, profile, LTV, co-applicant.
- Loan tenure: Up to 25–30 years for salaried borrowers up to ~age 60 at loan maturity; shorter for older borrowers.
Use the live calculator at Eldeco EOE EMI Calculator to model monthly outflow for your configuration, tenure and rate.
30:40:30 CLP vs. Down-Payment Plan
Eldeco EOE's standard plan is the 30:40:30 Construction-Linked Plan (CLP). Some launches also offer an optional Down-Payment Plan (DP) at a discount. Here's an honest side-by-side for a 3 BHK + 2T at the current BSP of ₹10,999/sq.ft* super area, plus other charges, as on 24 September 2026:
| Factor | 30:40:30 CLP (standard) | Down-Payment Plan (if offered) |
|---|---|---|
| Upfront commitment | 10% at booking, 30% by day 90 | 90–95% within 30–60 days |
| Price | Full BSP, no discount | 1–3% BSP discount (if available) |
| Cash outflow during construction | Spread over ~24–36 months, milestone-gated | Concentrated in the first 1–2 months |
| Loan interest exposure | Pre-EMI on disbursed portion only | Full loan disbursed early — pre-EMI on nearly the whole amount sooner |
| Buyer's construction risk | Lower — later tranches tied to physical progress | Higher — most of the money is paid before most of the building exists |
| Best for | Salaried buyers managing monthly cashflow, first-time bookers | Buyers with large liquid surplus who value the discount over risk-spreading |
DP-plan availability and discount percentage vary by launch phase and unit — confirm current DP terms, if any, with our sales desk (+91 98114 05300). Neither plan changes the RERA-declared possession date of January 2031.
The same reading is worth doing on any Eldeco project you shortlist alongside this one, because the branded name hides the schedule. The Eldeco 7 Peaks payment plan is construction-linked against slab and flooring milestones, and the Eldeco La Vida Bella payment plan is branded 30:30:40 yet runs to six instalments, one of them triggered by lift installation. All three of these plans, this one included, open at 10% on booking — the ceiling Section 13(1) of the RERA Act 2016 places on what a promoter may accept before the agreement for sale is executed and registered.
Get the Full Cost Sheet
Our sales desk shares the configuration-specific developer cost sheet (BSP + all add-ons) on WhatsApp within minutes during sales hours.
Get Configuration-Specific Cost Sheet
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RERA Disclosure
Payment plan structure is RERA-aligned; milestone certificates are filed with the UP RERA portal under UPRERAPRJ125342/02/2026. Indicative amounts use the BSP of ₹10,999/sq.ft* super area, plus other charges, as on 24 September 2026. The unit-wise dated cost sheet, covering 5% GST, 7% UP stamp duty, 1% registration, IBMS, PLC, club, and parking, comes from our desk on WhatsApp, in writing; see also the total cost calculator. Prices and milestone schedule subject to revision at the developer's discretion via the RERA-mandated change-request process. Verify the AFS, RERA milestone certificates, and the latest cost sheet before any payment commitment.