Dholera SIR, India’s first planned greenfield smart city in Gujarat, is growing fast as an investment hotspot. With expressways, metro links, industrial corridors, and smart city infrastructure, it’s attracting investors from India and abroad.
However, many investors still ask
“How can I buy a plot in Dholera? Are bank loans available? What are the payment and EMI options?”
This guide explains everything — from the current loan status to easy payment plans, future financing trends, and investor safety tips.
Current Payment Plan in Dholera
Right now, bank loans for Dholera plots are limited.
Banks are cautious because
- Some projects don’t have clear Non-Agricultural (NA) status.
- Many are still waiting for Town Planning (TP) scheme approval.
- Not all projects are registered under RERA (Real Estate Regulatory Authority).
In simple words
“Banks prefer giving loans for ready homes, not empty land.”
However, some RERA + NA + TP-approved projects can get selective financing after due diligence.
Why Banks Are Hesitant — Simple Explanation for Investors
Let’s make it easy to understand why most banks are still careful:
- Unclear legal status: If a plot is agricultural or lacks NA or TP approval, banks see it as high risk.
- Developer credibility: Banks avoid lending for projects with incomplete documents or poor records.
- Slow infrastructure progress : Some areas are still under development, so banks wait for visible progress.
- Resale risk: Plots may take longer to sell or mortgage, making banks less confident.
Example
If a project doesn’t have clear NA documents, banks treat it as risky
Alternative Options to Bank Loans
Since banks are cautious, investors have other safe and flexible options
Developer Installment Plans
Most Dholera developers now offer 3 month installment plans with a small down payment.
| Stage | Payment % / Amount | Description |
|---|---|---|
| Step 1 | ₹10,000 | Token booking (refundable within 30 days if not satisfied after site visit) |
| Step 2 | 25% | Within 10 days after confirmation |
| Step 3 | Remaining 75% | Within 3 months — gives time to verify approvals & documents |
Investor Benefits
- Low-risk start — ₹10,000 refundable token
- 90 days to complete payment
- Transparent documentation
- Builds investor trust
Future of Bank Loans in Dholera
As Dholera’s infrastructure grows — expressways, airport, and smart roads — banks will begin financing more projects. Government-backed DSIR authority is improving land records and transparency, which boosts confidence. In the near future, plots with proper RERA + TP + NA approvals will qualify for loans just like other developing cities.
Investor Tips Before Buying in Dholera
- Verify land records and ownership
- Check RERA registration, TP scheme, and NA conversion
- Visit the site or request a drone view
- Don’t rely only on bank loan promises
- Prefer projects close to smart city roads, IT & Knowledge zones
Conclusion
Investing in Dholera Smart City is a long-term opportunity — but like every smart investor, you need clarity before taking the step.
While bank loans are still limited, developers are making it easier with flexible payment plans, installment options, and secure documentation.
If you focus on RERA + NA + TP-approved projects that are inside or near Dholera’s smart city zone, your investment will be safer and more profitable in the coming years.
FAQ
Can I get a bank loan for plots in Dholera now?
Currently, most banks avoid plot loans in Dholera. Some RERA-approved projects may qualify selectively.
What’s the best way to buy a plot without a loan?
Opt for developer installment plans or self-financing with flexible payment terms.
How much should I invest initially?
Start with ₹10,000 token booking, refundable if you’re not satisfied after site visit.
Is Dholera a safe investment for 2025?
Yes, Dholera offers long-term potential as infrastructure and industries grow under DSIR.
Which approvals should I check before buying?
Always verify RERA registration, NA status, TP scheme, and developer credibility.
