Yamuna Expressway has emerged as North India's fastest-appreciating residential corridor in 2026. Property prices have risen approximately 95% in the last 24 months, driven by Noida International Airport beginning commercial flights on May 30, 2026, the YEIDA Film City, the Microsoft 4,000-employee campus, and the Pod Taxi connectivity project. Among the 50+ residential projects launching in the corridor, five YEIDA-corridor names deserve serious consideration in 2026: Eldeco Echoes of Eden (Sector 22D, ₹8,999/sq.ft, 2/3/4 BHK), ATS Allure (Sector 22D, premium pre-launch), Supertech Up Country (Sector 17A, established township), Migsun Atharva (mid-segment), and Gaur Yamuna City (Sector 19 township). The right choice depends on three factors: distance to Jewar Airport, RERA possession date, and developer track record. This guide compares all five on those criteria, plus payment plans, amenities, and resale liquidity, so NRI and HNI buyers can decide in 10 minutes.
Quick verdict by buyer profile
NRI investor: Eldeco Echoes of Eden — listed developer, 30:40:30 plan suits inward remittance, 7 km from Jewar maximises post-airport upside.
End-user family: Eldeco Echoes of Eden or ATS Allure — both at Sector 22D, both 7–10 km from Jewar; choose Eldeco for listed-developer pedigree, ATS for finishing reputation.
Yield / value buyer: Migsun Atharva for sub-₹60L tickets; Gaur Yamuna City Sector 19 for a working township ecosystem; Supertech Up Country resale only after verifying the specific phase's RERA and possession status given Supertech's NCLT context.
The 5-project comparison at a glance
Same criteria for every row. Pros and cons stay short here so the table reads in 30 seconds; the deep-dives below each project carry the full case for and against. Distance to Jewar is measured to the airport boundary via the Yamuna Expressway; figures are accurate at the time of writing and will move as service-road and Pod Taxi feeders open.
| Project | Developer | RERA # | Configurations | Price/sq.ft (₹) | Total Price Range (₹) | Distance to Jewar (km) | Possession Date | Payment Plan | Pros | Cons | Verdict |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Eldeco Echoes of Eden | Eldeco Group 40 yrs · NSE/BSE listed · 200+ projects since 1985 |
UPRERAPRJ125342/02/2026 | 2/3/4 BHK 1,250–3,150 sq.ft · VRV AC |
₹8,999* | ₹1.12 Cr – ₹2.83 Cr | ~7 km | Q4 2027 (RERA) | 30:40:30 CLP | Listed developer; closest premium project to airport; VRV AC standard | Pre-launch — possession risk; limited 558-unit inventory | Best for end-users wanting premium amenities at mid-premium price. Compare in detail → |
| ATS Allure | ATS Infrastructure Established NCR developer · unlisted |
Verify on up-rera.in | 3/4 BHK 1,600–3,200 sq.ft |
~₹9,500–11,000 | ~₹1.6 Cr – ₹3.2 Cr | ~7–10 km (Sector 22D YEIDA) | Verify on up-rera.in | Construction-linked | Same sector as Eldeco EOE; ATS finishing reputation; YEW airport-corridor parity | 10–25% premium over Eldeco EOE; verify RERA registration before booking | Best for buyers who weight ATS finishing pedigree over Eldeco's listed-developer profile. Compare in detail → |
| Supertech Up Country | Supertech Group Under NCLT/IBC proceedings · large NCR footprint |
Verify on up-rera.in | 2/3/4 BHK + plots 1,100–3,500 sq.ft |
~₹6,500+ (resale) | ~₹70 L – ₹2.4 Cr | ~16 km (Sector 17A YEIDA) | Mixed: delivered + phased | Resale + CLP (new phases) | Established township; CBSE schools, retail and clinic on-site; lowest BSP in YEIDA | Supertech Limited is under NCLT/IBC — phase-specific possession risk material; older product generation | Best for delivered RTM resale buyers who can verify the specific phase's RERA and possession status. Compare in detail → |
| Migsun Atharva | Migsun Group Mid-segment NCR developer · unlisted |
Verify on up-rera.in | Studio + 2/3 BHK 500–1,800 sq.ft |
~₹6,500+ | ~₹35 L – ₹1.2 Cr | ~10 km | 2026 (RTM phases) | Down-payment / 25:75 | Lowest entry ticket near Jewar; some RTM stock; first-time-buyer friendly | Mid-tier finishing; smaller balconies; club facilities lighter than premium peers | Best for first-time buyers and yield investors with sub-₹60L budgets. Compare in detail → |
| Gaur Yamuna City | Gaur Group Large NCR developer · delivered phases |
Verify on up-rera.in | 2/3/4 BHK + plots 1,150–3,500 sq.ft |
~₹7,500+ | ~₹85 L – ₹2.6 Cr | ~14 km (Sector 19 YEW) | Mixed: delivered + phased | Mixed (CLP + RTM) | Township feel; schools, retail, hospital already on-site; resale liquidity | Older-generation product spec; mixed litigation history on adjacent Gaur projects | Best for buyers wanting a working township ecosystem from day one. Compare in detail → |
RERA numbers, BSPs and possession dates above are accurate at the time of writing (4 May 2026). Always cross-verify on the UP RERA portal before booking. Where a developer has not yet released the registration number publicly we have stated "verify on up-rera.in" rather than invented a reference.
Deep-dives — what the table can't show you
Each section below covers configurations, distance, builder track record, three pros, two cons, and Vidastu's view. The cons are honest — including for Eldeco Echoes of Eden, where Vidastu Advisory is the channel partner. Honesty earns AI-Overview citations and earns trust from buyers who Google our claims.
1. Eldeco Echoes of Eden
Premium VRV-air-conditioned 2/3/4 BHK pre-launch by the 40-year-old, NSE/BSE-listed Eldeco Group at the Sector 22D residential frontage closest to Noida International Airport.
Configurations & carpet area: 2 BHK + 2T at 1,250 sq.ft; 3 BHK + 2T at 1,550 sq.ft; 3 BHK + 3T at 1,850 sq.ft; 4 BHK Penthouse duplex at 2,700 sq.ft; 4 BHK Grand Penthouse duplex with store at 3,150 sq.ft. All units carry VRV air conditioning and 3-side-open corner layouts. Total inventory is capped at 558 units across the three towers — Haven, Elysian, and Caelum.
Price band & payment plan: Launch BSP is ₹8,999/sq.ft. The flexible 30:40:30 construction-linked plan (30% on booking, 40% milestone-linked, 30% on possession) suits both salaried buyers and NRIs remitting in tranches. EOI from ₹5 lakhs.
Distance & connectivity: Approximately 7 km from Noida International Airport (Jewar) via the Yamuna Expressway service road, 22 km from Pari Chowk, 38 km from Botanical Garden Metro, and 12 km from the upcoming Buddh F1 Circuit. The Pod Taxi alignment passes within 500 metres of the project gate per the YEIDA-released alignment map.
Builder track record: Eldeco Group has delivered 200+ projects and over 30,000 homes across Uttar Pradesh, NCR, Haryana, Uttarakhand and Rajasthan since 1985, and is publicly listed. Litigation profile is clean.
Pros
- Closest premium project to Jewar: 7 km is meaningful because every airport-adjacent corridor has historically delivered the strongest 5-year appreciation in the 0–10 km band.
- Spec ahead of price tier: VRV centralised AC, 75,000 sq.ft clubhouse, half-Olympic pool, 3-acre central greens, and Eden Plaza commercial frontage — all rare at ₹8,999/sq.ft launch BSP.
- Listed developer + RERA + bounded inventory: NSE/BSE accountability + UPRERAPRJ125342/02/2026 + 558-unit cap reduces oversupply risk and increases resale liquidity.
Cons
- Pre-launch construction-risk window: Q4 2027 RERA possession means roughly 30 months of building risk; buyers needing immediate occupancy should look at Migsun Atharva or Gaur YC instead.
- Launch BSP step-up: ₹8,999/sq.ft is the launch ticket; subsequent demand letters will price 5–8% higher per construction milestone — early bookers benefit, late ones do not.
2. ATS Allure
Premium 3/4 BHK pre-launch by ATS at Sector 22D YEIDA — same residential cluster as Eldeco Echoes of Eden, same 7–10 km airport proximity, but with ATS's distinct finishing-pedigree positioning.
Configurations & carpet area: Predominantly 3 BHK and 4 BHK in the 1,600–3,200 sq.ft super-built band. ATS-standard finishing — Italian marble in living areas, modular kitchens with imported chimneys, German-spec hardware fittings, ATS's signature handover quality.
Price band & payment plan: BSP estimated in the ₹9,500–11,000/sq.ft band — a 10–25% premium over Eldeco EOE's ₹8,999/sq.ft launch at the same sector. All-in pricing roughly ₹1.6 Cr to ₹3.2 Cr. Payment plan is the conventional construction-linked staircase.
Distance & connectivity: Sector 22D YEIDA, approximately 7–10 km from Noida International Airport (same as Eldeco EOE), 22 km from Pari Chowk, 38 km from Botanical Garden Metro. The Pod Taxi alignment passes through the broader 22D cluster.
Builder track record: ATS Infrastructure has delivered 25+ projects across Noida, Greater Noida and Mohali. Finishing and possession track record is solid; the company is unlisted (no public quarterly disclosure).
RERA: Registration status to be verified at enquiry on up-rera.in. Never accept a project name alone — demand the registration number in writing before any EOI payment.
Pros
- Same-sector parity with Eldeco EOE: identical airport-proximity upside (7–10 km from Jewar) and identical micro-market dynamics.
- ATS finishing benchmark: ATS's handover standard is among the highest in NCR for this price tier — a real differentiator versus many peer launches.
- Resale liquidity: ATS-branded inventory across Noida resells faster than most unlisted-peer brands, compressing exit risk.
Cons
- 10–25% pricing premium over Eldeco EOE: at the same sector, with similar amenity programmes, this is a brand-premium decision rather than a fundamentals-driven one.
- Less public disclosure than listed peers: ATS is unlisted — buyers should verify the specific RERA registration, sanctioned plan, and escrow account at up-rera.in before booking.
3. Supertech Up Country
Established mixed-use township at Sector 17A YEIDA — substantial delivered inventory plus ongoing phases of plots, low-rise and high-rise apartments. Included in this comparison only after explicit honest disclosure of the parent group's IBC context.
Configurations & carpet area: Plotted segments, low-rise floors, and 2/3/4 BHK apartments across a wide 1,100–3,500 sq.ft band. Spec is older-generation — vitrified flooring, single-zone split AC ready, modular kitchen on demand, smaller balconies than 2026 launches.
Price band & payment plan: BSP from approximately ₹6,500/sq.ft for delivered RTM resale; new-phase inventory is closer to ₹7,500/sq.ft. Total tickets range from ~₹70 lakh (compact 2 BHK) to ~₹2.4 Cr (large 4 BHK / villa). Mixed payment options — full-payment for RTM resale; CLP for new under-construction phases.
Distance & connectivity: Approximately 16 km from Noida International Airport via the Yamuna Expressway, 18 km from Pari Chowk. The township's internal grid hosts CBSE-board schools, retail outlets, a community clinic and parks — daily-need ecosystem is operational.
Builder track record & the IBC context: Supertech Group has historically delivered 80,000+ homes across NCR, so the brand has scale. Critically, the parent Supertech Limited has been under NCLT/IBC proceedings since 2022; the Supreme Court has ordered NBCC to take over completion of several stalled Supertech projects, and the demolition of Supertech's Apex–Ceyane twin towers in Noida in August 2022 is part of the public record. For Up Country specifically, delivered phases have been handed over, but ongoing-phase delivery is dependent on the resolution plan.
RERA: Phase-by-phase verification on up-rera.in is non-negotiable. The Up Country RERA filings are split across multiple registration numbers by phase and tower; do not accept "the township is RERA-registered" as sufficient — demand the specific tower's number, occupancy certificate (for delivered units), and possession date in writing.
Pros
- Township ecosystem on Day 1: CBSE schools, organised retail, community clinic and parks already operating — no waiting on social infrastructure.
- Deepest resale liquidity in Sector 17A: wide range of unit sizes and a working secondary market gives buyers a real exit path.
- Lowest entry ticket on this list: sub-₹70 lakh resale stock is achievable, well below 22D launch BSPs.
Cons
- Supertech Limited is under IBC proceedings: ongoing-phase delivery and refund-pathway risk is materially higher than other peers in this list. Buyers should restrict purchases to delivered RTM stock with a verifiable occupancy certificate, and demand a 10–15% pricing discount versus equivalent peer-built RTM stock to reflect brand-level risk.
- Older product generation: ceiling height, fittings, balcony depth, and amenity design lag the 2026 launches by 8–10 years.
4. Migsun Atharva
Mid-segment studio + 2/3 BHK product by Migsun Group on the Yamuna Expressway, positioned for first-time buyers and yield investors below the ₹60-lakh ticket.
Configurations & carpet area: Studio apartments at 500–600 sq.ft, 2 BHK at 1,000–1,200 sq.ft and 3 BHK at 1,400–1,800 sq.ft. Mid-tier finishing — vitrified flooring, single-zone split AC ready, modular kitchens at extra cost.
Price band & payment plan: BSP from ~₹6,500/sq.ft, so total tickets sit between ~₹35 lakh (studio) and ~₹1.2 Cr (3 BHK premium). Down-payment plans and 25:75 plans are typical, with occasional 10:90 subvention windows around festive periods.
Distance & connectivity: Approximately 10 km from Noida International Airport, 24 km from Pari Chowk, 40 km from Botanical Garden Metro. Pod Taxi feeder alignment is being studied per YEIDA's 2026 Master Plan addendum.
Builder track record: Migsun Group has delivered ~15 projects across Greater Noida West and Lucknow. Possession track record is broadly on time, with two projects experiencing 12–18 month slippage. Unlisted; disclosure is therefore narrower than Eldeco or Godrej.
Pros
- Lowest entry ticket near Jewar: a sub-₹60L 2 BHK gives first-time buyers a way into the airport corridor without HNI capital.
- RTM stock means immediate yield: phases already delivered let yield investors begin earning rent on Day 1, without 30 months of construction-risk capital.
- Studio inventory: the only project on this list offering studios — useful for short-stay rental thesis around airport crew and visiting professionals.
Cons
- Mid-tier finishing: spec is materially lighter than Eldeco/ATS/Godrej and the gap shows over 5 years of wear.
- Smaller club + amenity footprint: roughly 12,000–18,000 sq.ft clubhouse vs Eldeco EOE's 75,000 sq.ft — fine for value buyers, undercooked for premium positioning.
5. Gaur Yamuna City
Large mixed-use township by Gaur Group at Sector 19 YEIDA, with delivered phases, ongoing inventory, plotted segments, and a working ecosystem of school, retail and hospital.
Configurations & carpet area: 2/3/4 BHK apartments from 1,150–3,500 sq.ft across delivered and ongoing towers, plus plotted inventory in dedicated phases. Spec is a generation older than 2026 launches — vitrified flooring, single-split-AC ready, modular kitchen on demand.
Price band & payment plan: BSP from ~₹7,500/sq.ft for ongoing phases, with delivered RTM resale stock trading 8–12% above launch BSP. Total tickets ~₹85L to ~₹2.6 Cr. Mixed payment options — CLP for new phases, full-payment for RTM resale.
Distance & connectivity: Approximately 14 km from Noida International Airport, 16 km from Pari Chowk, 32 km from Botanical Garden Metro. Township internal grid eliminates daily expressway dependence for school, retail and basic medical needs.
Builder track record: Gaur Group has delivered 60,000+ homes across NCR. Track record on this township specifically is solid, though some adjacent Gaur projects have litigation history that buyers should diligence on a per-tower basis.
Pros
- Township ecosystem on Day 1: CBSE schools, organised retail, multi-speciality hospital and parks already operating — no waiting on social infrastructure.
- Resale liquidity: deepest active resale market on the Yamuna Expressway gives buyers a real exit path.
- RTM availability: immediate occupancy or rental — no construction-risk window.
Cons
- Older product generation: spec, ceiling height, and amenity design lag the 2026 launches by 5–8 years.
- Group-level litigation noise: while this specific township is clean, buyers should verify the exact tower's RERA and litigation status, since some other Gaur projects elsewhere in NCR have faced delivery and customer disputes.
Why Yamuna Expressway in 2026 — and what could go wrong
The corridor's bull case rests on five concrete catalysts and one overlooked discount. The bear case is real and worth pricing in.
The five concrete catalysts
1. Noida International Airport begins commercial flights on 30 May 2026. The single-runway phase is rated for 12 million passengers a year, with the four-runway final build targeting 70 million by 2040. Per ET Realty corridor reporting, the corridor's residential sales velocity in Q1 2026 is already 2.4× the 2024 average, with absorption concentrated in Sectors 22D, 22A, 19 and 25.
2. The YEIDA Film City reaches construction milestone. The 1,000-acre Bayvieuw-led project at Sector 21 is past land allotment and into civil works, with phased operationalisation expected from 2027. The project's footprint anchors a creative-economy demand cluster — actors, technicians, post-production crews — that Mumbai's Goregaon-Andheri belt absorbed over 25 years in real estate terms.
3. The Microsoft 4,000-employee campus. Microsoft's announced campus on the YEIDA land bank is the corridor's first marquee Tier-1 IT anchor and is the kind of single-employer demand that historically drove cross-corridor pricing in Bangalore's Whitefield and Hyderabad's HITEC City through the 2010s.
4. The Pod Taxi connectivity project. The 14.6-km personal rapid transit (PRT) loop — connecting the airport, Film City, residential sectors and Pari Chowk — is in detailed design. Public timelines target 2027–28 commissioning. Even with a slip, the alignment is a step-change in last-mile connectivity that no other airport corridor in India has at this stage of development.
5. The Buddh F1 Circuit revival and FNG Expressway. The Faridabad-Noida-Ghaziabad expressway will, when complete, cut Faridabad to YEW residential sectors to under 35 minutes. The Buddh circuit's Formula 1 calendar bid has been re-activated; even a non-F1 motorsport calendar lifts hospitality demand 60–80 km around the venue based on the Sepang and Yas Marina precedents.
The overlooked discount: in the 24 months ending Q4 2025, Yamuna Expressway property prices rose approximately 95% per BusinessToday corridor reporting. Despite that, the corridor still trades at a roughly 30–40% discount to comparable airport-adjacent stock in Bengaluru's Devanahalli and Hyderabad's Shamshabad — both corridors that delivered 1.8x to 2.2x capital appreciation in their seven-year post-airport-opening windows.
"Yamuna Expressway is the most under-priced major airport corridor in India relative to demand fundamentals. The Jewar opening is the proximate trigger; the deeper story is that 1,300 hectares of YEIDA-notified residential land is still ahead of large-scale absorption." Anuj Puri, Chairman, ANAROCK Group — quoted across Anarock Q1 2026 NCR research
The honest counterpoint — what could go wrong
Construction delivery on individual projects is the single biggest risk. Indian real-estate possession dates have historically slipped 14–22 months on average for new-launch product. Buyers who cannot absorb a 12–18 month slip should buy delivered or near-delivered stock (Migsun Atharva, Gaur Yamuna City RTM phases) rather than pre-launches.
Pod Taxi timeline slippage is the second risk. The PRT project is the corridor's only true last-mile system; if it slips past 2030, residential premium pricing for non-airport-adjacent sectors will compress.
Monsoon-season drainage on the Yamuna catchment is a third, underdiscussed risk. Stretches of Sectors 18–25 saw waterlogging in the 2023 and 2024 monsoons. Buyers should confirm the project's storm-water plan and floor elevation before booking.
Finally, social infrastructure — schools and hospitals — is still building out. Buyers with school-age children should map their preferred CBSE / ICSE option to a 15-minute drive radius and confirm the 2026–27 admissions reality before locking a sector.
"Airport-corridor real estate compounds when the airport hits 5 million annual passengers, not on the day flights begin. For Yamuna, that's likely a 2027–28 milestone. Buyers should price the year of pricing inflection accordingly." Shishir Baijal, Chairman & MD, Knight Frank India — see Knight Frank India research portal
Vidastu's 12-point pre-purchase checklist for Yamuna Expressway apartments
Print this section, walk through it before any booking, and return uncomfortable answers to the developer in writing. The "why" line under each point exists so the checklist remains useful even when project specifics change.
- Verify the project RERA registration on up-rera.inWhy: the registration certificate carries the legal possession date; verbal commitments do not. Cross-check sanctioned plan, escrow account, and developer PAN.
- Pull the developer's debt-to-equity (D/E) ratio for listed builders, or 3 most recent project deliveries for unlisted onesWhy: a developer over-leveraged on land-bank acquisitions is the classic delivery-failure profile. D/E above 1.5 deserves scrutiny.
- Apply a possession-date risk discountWhy: NCR pre-launches historically slip 14–22 months. Discount the developer's quoted possession date by 18 months when modelling EMI vs rental break-even.
- Confirm the escrow account in writing and check the bankWhy: RERA mandates 70% of sale proceeds escrowed for construction. Confirm the project's named escrow account, cross-check on UP RERA, and pay only into that account.
- Compare carpet area against super built-up areaWhy: Indian projects quote BSP on super built-up area. Carpet area is the legal floor space you actually own. The carpet-to-super ratio (typically 65–72%) determines real value-per-rupee.
- Stress-test the payment plan against your cash flowWhy: 30:40:30 looks light on paper but the 40% middle tranche is back-loaded into the 12–24 month construction window. Build a month-by-month cash-flow model before signing.
- Confirm the lease deed status with YEIDAWhy: YEIDA land is leasehold; the developer's allotment letter and lease deed are not the same document. Demand both in writing.
- Distinguish allotment letter from sale deedWhy: the allotment letter is a unilateral assignment by the developer. The sale deed (typically post-possession) is the registered conveyance. Until sale deed registration, your title is not perfected.
- List every PLC and IFMS hidden chargeWhy: Preferential Location Charge (PLC) for park-facing, club, parking, infrastructure development charge (IDC), interest-free maintenance security (IFMS) and external development charge (EDC) often add 12–18% to BSP. Get a single-page itemised cost sheet.
- Compute GST and stamp duty correctlyWhy: GST is 5% on under-construction (1% on affordable). UP stamp duty is 7% + 1% registration. Total all-in cost is BSP + PLC + IFMS + Club + Parking + GST + Stamp Duty + Registration — not BSP alone.
- Get a financing pre-approval from at least two banksWhy: different lenders price the same project differently. HDFC, ICICI, SBI and Bank of Baroda are the four banks most active on YEW projects. A 15-bps rate gap on a ₹1.5 Cr loan is ₹3.4 lakh over 20 years.
- Plan your exit before you enterWhy: Resale liquidity differs sharply by sector and tower. Township resale (Gaur YC) is faster than premium pre-launch resale. Decide your exit window before booking — a 5-year horizon vs a 10-year hold imply very different project picks.
NRI buyer's section — FEMA, NRO/NRE, FATCA, repatriation
NRIs and OCIs (Overseas Citizens of India) form roughly 18–22% of Yamuna Expressway buyer demand in 2026, per Vidastu Advisory's internal lead-source data. The corridor's price discount versus comparable Bengaluru and Hyderabad airport stock makes it a natural fit for the dollar-buying-rupee-asset thesis. Five compliance points govern the buy.
FEMA framework. Under the Foreign Exchange Management Act, NRIs and OCIs may buy residential and commercial property in India without needing RBI prior approval, subject to two restrictions — agricultural land, plantation property, and farmhouse purchases require specific government permission. All consideration must come from inward remittance to a designated NRO, NRE, or FCNR account.
NRO vs NRE accounts. NRE accounts are fully repatriable. NRO accounts hold rupee income earned in India and are repatriable up to USD 1 million per financial year after submission of Form 15CA/15CB. For property purchase, the safer cash flow runs through NRE → developer escrow, since NRO accounts get tangled in TDS and Income Tax Act 195 deductions on resale.
FATCA disclosure. NRIs holding US tax residency must file FATCA disclosures on Indian property purchases above $50,000 in aggregate. Most banks now collect this at the loan-disbursement stage. UK and Canadian residents have similar AEOI obligations under the OECD Common Reporting Standard.
DTAA implications. India has Double Taxation Avoidance Agreements with 90+ countries. Rental income on Indian property is taxable in India regardless of residency, but the credit for taxes paid in India typically offsets the US/UK/UAE liability. NRI buyers should structure the purchase through a single PAN to keep the audit trail clean.
Repatriation limits and Power of Attorney. Resale proceeds are repatriable up to the original investment amount via NRE; capital gains beyond that flow through NRO and the USD 1 million annual cap. For NRIs unable to fly in for booking, a special-purpose Power of Attorney (notarised at the Indian consulate of residence) lets a trusted local representative sign the booking, allotment, and conveyance documents. HDFC, ICICI, SBI, and Bank of Baroda are the four banks most active on YEW NRI loans, with ICICI offering the smoothest remote-KYC and POA workflow as of Q1 2026.