A payment plan decides how much cash you need and when, which matters as much as the headline price. The NVT Whispering Hues schedule is construction-linked, so most of the money follows physical progress rather than a calendar. This guide puts rupees on every stage for a Carnation and a Bluebell, using the price sheet dated 25 September 2026. For the project overview, see NVT Whispering Hues.
The sheet describes prices as tentative. We have assumed each percentage applies to the basic price, which is how we read it; confirm that with the team in writing.
The schedule in one table
There are nine steps, and the percentages add up to 100% of the basic price. Taxes and other charges sit outside the percentages.
| Stage | Timing | Share |
|---|---|---|
| EOI | At expression of interest | ₹5,00,000 |
| Booking | Within 7 days of EOI | 9.5% less the EOI amount |
| Before agreement | Within 15 days of booking | 15.5% |
| Foundation complete | Construction stage | 15% |
| First-floor slab | Construction stage | 15% |
| Second-floor slab | Construction stage | 15% |
| Plastering | Construction stage | 15% |
| Flooring | Construction stage | 10% |
| Possession | Within 15 days of possession intimation | 5% plus other charges |
Add up the shares: 9.5 + 15.5 + 15 + 15 + 15 + 15 + 10 + 5 = 100.
Worked example: Carnation at ₹5.96 Cr
For a Carnation at the low end of the band, the money out before the agreement is ₹1,49,00,000, which is 25% of the basic price. That includes the ₹5,00,000 EOI.
| Stage | Amount |
|---|---|
| EOI | ₹5,00,000 |
| Booking (9.5% = ₹56,62,000, less EOI) | ₹51,62,000 |
| Before agreement (15.5%) | ₹92,38,000 |
| Foundation (15%) | ₹89,40,000 |
| First-floor slab (15%) | ₹89,40,000 |
| Second-floor slab (15%) | ₹89,40,000 |
| Plastering (15%) | ₹89,40,000 |
| Flooring (10%) | ₹59,60,000 |
| Possession (5%) | ₹29,80,000 |
| Total of the basic price | ₹5,96,00,000 |
Check: the first three lines total ₹1,49,00,000, which is 25% of ₹5.96 Cr. The four 15% stages total ₹3,57,60,000, and the last two add ₹89,40,000.
Worked example: Bluebell at ₹6.80 Cr
For a Bluebell at the low end, each 15% stage is ₹1,02,00,000. The booking payment is ₹59,60,000 after deducting the EOI.
| Stage | Amount |
|---|---|
| EOI | ₹5,00,000 |
| Booking (9.5% = ₹64,60,000, less EOI) | ₹59,60,000 |
| Before agreement (15.5%) | ₹1,05,40,000 |
| Foundation, first slab, second slab, plastering (15% each) | ₹1,02,00,000 each |
| Flooring (10%) | ₹68,00,000 |
| Possession (5%) | ₹34,00,000 |
At the high end of each band the amounts scale up: a ₹6.21 Cr Carnation has a booking payment of ₹53,99,500 and 15% stages of ₹93,15,000, and a ₹7.05 Cr Bluebell has a booking payment of ₹61,97,500 and 15% stages of ₹1,05,75,000.
What comes on top of the percentages
The final payment, at possession, also carries the other charges. These are not spread across the construction stages in the sheet, so budget for them at the end, and ask whether any are collected earlier.
For a 3,750 sq ft Carnation, the other charges total ₹27,20,000, made up of BESCOM and water ₹9,37,500, advance maintenance ₹2,06,250, corpus ₹2,06,250, generator ₹3,00,000, club ₹10,00,000 and legal ₹70,000. For a 4,432 sq ft Bluebell the total is ₹29,65,520. The price breakdown shows the line-by-line arithmetic.
GST, stamp duty, registration and other taxes are extra and are not part of the 100%. Our guide to stamp duty and registration charges in Bangalore and the article on villa registration charges explain those costs.
Cash flow, loans and timing
The first 25% is due within about three weeks of the EOI, so have it ready before you pay the EOI. The construction stages follow the build, which gives you time to arrange funds for each, but the dates are not known.
If you are borrowing, banks usually release funds in stages against construction progress, and your own contribution typically has to be paid first. Our home loan for a villa in Bangalore guide explains how that works. Since the possession date is not published, plan for the possibility that stages come faster or slower than expected.
Protecting yourself on the schedule
Four checks keep a construction-linked plan fair.
- Verify each stage. Ask for a certificate or site inspection before paying a milestone.
- Check the agreement. Ensure the stages in the agreement match the sheet.
- Registration first. The sizeable 15.5% payment before agreement should follow RERA registration where possible; see the RERA guide.
- Refund terms. Ask in writing whether the EOI is refundable and under what conditions.
The possession date article covers what to confirm about the final stage.
Next step
Ask the team for a payment schedule with your exact villa and plot price filled in, then check every number. Message +91 80509 73051 on WhatsApp or book a visit at /#visit.