Where your money sits depends on one thing: whether the project is RERA-registered. For a registered project like Eldeco Echoes of Eden (UPRERAPRJ125342/02/2026), your payments go into the developer's RERA-mandated separate bank account, and a minimum of 70% of all amounts realised from buyers is ring-fenced there — released only against construction certified by a Chartered Accountant and an Engineer (statutory, Section 4(2)(l)(D) of the RERA Act, 2016). For a pre-launch project that isn't yet registered, any payment is an Expression of Interest (EOI) that is refundable and sits outside the separate account — which is lawful, but means you protect yourself with a clean paper trail instead. This page sorts your project into the right box and shows you how to verify it independently on up-rera.in. Last reviewed: .
The Escrow Safety Sorter
Pick the project you're being asked to pay for. There are no facts asserted here about any specific rival — only where money sits, by law, for each type of project.
Not sure which applies? Without JavaScript, every option is shown in order below.
Eldeco Echoes of Eden — your money is protected by the RERA separate account Verified
Eldeco Echoes of Eden is RERA-registered under UPRERAPRJ125342/02/2026 (promoter: Eldeco Sohna Projects Limited). Because it is registered, your payments enter the developer's RERA-mandated separate bank account. A minimum of 70% of all amounts realised from buyers is ring-fenced in that account and released only against certified construction progress — each drawdown validated by a Chartered Accountant and an Engineer. This is not 100% of your money frozen, and it is not a promise from a salesperson: it is a statutory fund-diversion safeguard.
How to read it: your payment (1) is deposited into (2) the developer's RERA-mandated separate account, where (3) at least 70% of amounts realised is ring-fenced and released only against certified construction. Statutory · Sec 4(2)(l)(D)
Booking at Eldeco Echoes of Eden is direct — there is no separate EOI step for this project, so from your first payment onward your money is inside the RERA separate account. Read the full RERA protection dossier →
Confirm my money is protected on WhatsApp →
↓ Use the 4-step Payment-Verify Protocol to confirm the account yourself
ACE Parkway — a pre-launch EOI sits outside the RERA separate account EOI · outside escrow
ACE Parkway is a pre-launch project. Until a project is RERA-registered it has no RERA separate account, so any amount you pay is a refundable Expression of Interest (EOI) that sits outside escrow. That is lawful and normal for a pre-launch — it is not a red flag on its own. What protects you at this stage is your paper trail, not the escrow rule.
Keep a clean, refundable paper trail:
- Pay only by traceable banking channel — never cash, never to a personal account.
- Get a dated receipt that states the EOI amount and the refund terms in writing.
- Keep every message and document; note that the EOI sits outside escrow until RERA registration.
- Once the project is RERA-registered, confirm the registration number and that further payments move into the RERA separate account.
Gaurs Plume — a pre-launch EOI sits outside the RERA separate account EOI · outside escrow
Gaurs Plume is a pre-launch project. Until a project is RERA-registered it has no RERA separate account, so any amount you pay is a refundable Expression of Interest (EOI) that sits outside escrow. That is lawful and normal for a pre-launch — the safeguard at this stage is your paper trail, not the escrow rule.
Keep a clean, refundable paper trail:
- Pay only by traceable banking channel — never cash, never to a personal account.
- Get a dated receipt that states the EOI amount and the refund terms in writing.
- Keep every message and document; note that the EOI sits outside escrow until RERA registration.
- Once the project is RERA-registered, confirm the registration number and that further payments move into the RERA separate account.
Gaurs Studio Bento — a pre-launch EOI sits outside the RERA separate account EOI · outside escrow
Gaurs Studio Bento is a pre-launch project. Until a project is RERA-registered it has no RERA separate account, so any amount you pay is a refundable Expression of Interest (EOI) that sits outside escrow. That is lawful and normal for a pre-launch — the safeguard at this stage is your paper trail, not the escrow rule.
Keep a clean, refundable paper trail:
- Pay only by traceable banking channel — never cash, never to a personal account.
- Get a dated receipt that states the EOI amount and the refund terms in writing.
- Keep every message and document; note that the EOI sits outside escrow until RERA registration.
- Once the project is RERA-registered, confirm the registration number and that further payments move into the RERA separate account.
A project you were shown — here's how to check where its money sits, yourself
This works for any project, from any source. We assert nothing about a specific project you were shown — instead, here is the exact, neutral checklist to find its escrow status on your own, so you never have to take anyone's word for it.
- Is it RERA-registered? Search the project name or number on up-rera.in. If it appears as registered, buyer payments go into a RERA separate account. If it doesn't appear as registered, treat it as pre-launch.
- Registered → separate account. Open the filing and note the promoter name and the separate-account details. Match the account name on your own demand letter or receipt.
- Pre-launch → outside escrow. Any payment is a refundable EOI outside escrow; protect yourself with a dated receipt and written refund terms, paid by banking channel only.
- Never pay cash or route money to a personal or third-party account, whatever the project's status.
What the Separate Account Actually Does
The RERA separate account is the single most material financial protection the RERA Act, 2016 gave buyers. It is defined in Section 4(2)(l)(D): every registered developer must maintain a dedicated project bank account, into which a minimum of 70% of all amounts realised from that project's buyers must be deposited — and from which money can be withdrawn only against certified construction and land cost.
The three things the rule guarantees about the mechanism
1. Ring-fenced, not diverted. At least 70% of every amount realised is held in the project's separate account and cannot be spent on anything but this project's construction and land.
2. Milestone-linked release. The bank releases funds only against certificates from a Chartered Accountant and an Engineer confirming actual construction expenditure — no advance withdrawal before work is done.
3. Auditable. The developer files quarterly financial statements with UP RERA showing the account's balance and utilisation, which any buyer can review.
Worked illustration (of the rule, not a project figure): if buyers have paid ₹100 into a registered project so far, at least ₹70 must sit in that project's RERA separate account, drawn down only as certified construction is completed. The remaining share the developer may use for approved project outgoings. This illustrates the statutory 70% floor — it is not a specific figure for any project. Statutory · illustrative
Note on wording: the safeguard is that 70% is ring-fenced and milestone-released. It is not accurate to say "100% is in escrow", nor that any amount is "locked" or "guaranteed" — the account is a controlled project account, not a vault, and no account eliminates construction-cycle risk. It substantially reduces the fund-diversion risk that RERA was written to address.
Where Your Money Sits — Registered vs Pre-Launch
The same table the sorter uses, in full, so it's readable without running anything. Provenance-tagged and dated.
| Payment vehicle | Where the money sits | Refundable? | How you confirm it |
|---|---|---|---|
| RERA-registered project e.g. Eldeco Echoes of Eden, UPRERAPRJ125342/02/2026 |
Developer's RERA separate account; ≥70% of amounts realised ring-fenced, released only against certified construction. Statutory | Per the RERA Agreement for Sale; on developer breach, full refund with interest at SBI MCLR+2%. Statutory | Search the RERA number on up-rera.in; match the account name on your receipt. Verified reg. |
| Pre-launch EOI any project not yet RERA-registered |
Outside the RERA separate account — no separate account exists until registration. Outside escrow | Refundable and non-binding, per the written EOI terms you're given. Confirm in writing | Get a dated receipt with refund terms; verify the project appears on up-rera.in once it registers. Not-yet-registered |
Sources: RERA Act, 2016, Section 4(2)(l)(D) (separate account and 70% rule) and Section 18 (delay interest / refund); UP RERA project registry at up-rera.in/projects. Statutory position as of — confirm at execution.
The 4-Step Payment-Verify Protocol
For a RERA-registered project, this is how you confirm — on your own, before you pay — that your money is going into the right account. It takes under two minutes and needs no intermediary. Below uses Eldeco Echoes of Eden; the same steps work for any registered project.
Open the project's RERA filing
Go to up-rera.in/projects and search the registration number UPRERAPRJ125342/02/2026 (or the project name). Open the registration record. Confirm the promoter is Eldeco Sohna Projects Limited and the registered possession date. Any project that isn't listed as registered has no separate account yet.
Find the declared separate-account details
Within the project's filing, the developer's RERA separate (project) account is on record with the authority. Note the account name the developer has declared for this project. (We don't publish a live account number here — you should read it from the official filing, or from the developer's own demand letter, not from a marketing page.)
Match it against your own receipt or demand letter
When you receive a payment instruction, match the payee account name to the developer's RERA-declared project account. It should be the developer's project account — not a personal name, not a broker's firm, not a third party. If the name on your demand letter doesn't match the RERA filing, stop and ask before paying.
Pay only by banking channel, and keep the trail
Pay by RTGS/NEFT/cheque to that declared account only — never cash, never to a personal or third-party account. Keep the dated receipt. For a registered project your money is then inside the RERA separate account; the developer also files quarterly utilisation statements you can review on the portal.
Our sales desk never handles buyer funds — for a registered project every rupee is paid directly to the developer's RERA-declared separate account. If any seller cannot show you the project's RERA number and a payee account name that matches the filing, treat that as a reason to slow down and verify, not to decide faster.
Want the Sales Desk to Confirm It With You?
Send your details and our sales desk will walk you through the RERA registration, the separate-account filing, and how your payment is routed — on a call or WhatsApp, with zero buyer-side brokerage. No obligation.
Confirm My Money Is Protected
Our sales desk (Founder) replies with the RERA filing and the account-verification walkthrough.
By submitting, you agree to be contacted on the number provided. We never share your details. Buyers pay zero brokerage to our sales desk.
Where-Your-Money-Sits FAQs
Is my money safe when I buy an apartment in Eldeco Echoes of Eden?
What is a RERA separate account, and how does the 70% rule protect me?
Is a pre-launch EOI refundable, and does it sit outside the RERA escrow?
How can I check where my money will sit for any project myself?
Does the sales desk ever hold my booking payment?
Can I independently verify that Eldeco Echoes of Eden runs a RERA separate account?
Verify Further
Verification Notice
This page is published by our sales desk — an authorised UP RERA channel partner (UPRERAAGT000309/01/2026), NOT the developer. The developer of Eldeco Echoes of Eden is Eldeco Sohna Projects Limited (Eldeco Group).
Project RERA: UPRERAPRJ125342/02/2026 — verifiable at up-rera.in/projects. The RERA separate-account (70%) rule is statutory under Section 4(2)(l)(D) of the RERA Act, 2016. Where money sits for a pre-launch project (a refundable EOI outside escrow) reflects the general statutory position, not a claim about any specific named project. This page is informational buyer-protection guidance, not legal, tax or investment advice, and not an offer of sale; it states no assured returns, rental guarantees or buyback promises. Verify every project-specific detail on the UP RERA portal before any payment commitment.