For many NRIs, the first home in India is not for themselves, at least not yet. It is for parents who want to be near a good hospital, for a sibling's family, or for the day you finally move back. That changes what matters. Rental yield matters less. Safety, daily convenience and a builder you can trust from far away matter more.
This guide looks at Sarjapur Road through that lens.
Why families look at Sarjapur Road at all
Sarjapur Road sits in Bengaluru's south-east, close to several employment areas rather than a single office campus. The Outer Ring Road tech belt is to the west, Wipro's campus near Sompura Gate is on the corridor itself, and Electronic City can be reached through Dommasandra. For a family, that means a younger relative living with your parents has a reasonable commute in more than one direction.
The corridor also has schools and hospitals that you can look up by name and visit. Do look them up. A short drive to a hospital means far more to a parent in their seventies than a clubhouse ever will.
Sarjapur Road or Sarjapur–Attibele Road?
People use "Sarjapur" loosely. In practice there are two stretches: the main Sarjapur Road towards Sarjapur town, and the Sarjapur–Attibele Road that continues towards Attibele. The second tends to be less built up and lower density, which some families prefer. It also means fewer shops right next door for now. Our page on Sarjapur–Attibele Road explains the area in more detail.
What to check from abroad, in order
- RERA registration. Look it up yourself on rera.karnataka.gov.in. Note the registration number, the promised completion date and the approved plan.
- Carpet area. RERA requires homes to be sold on carpet area, the usable floor inside your walls. Compare homes on that number only.
- The builder's history. Ask which projects they have finished, and whether the Occupancy Certificate came before handover. Visit one, or ask a family member to.
- The real route to hospital and work. Ask someone in Bengaluru to drive it at peak hour, once.
- Who will manage things locally. Someone has to attend registration or hold a power of attorney, receive the keys and handle the first repairs.
Money rules, kept simple
- Pay through Indian banking channels: an inward remittance, or your NRE, NRO or FCNR(B) account.
- Indian banks and housing finance companies do lend to NRIs for a home. The EMI is paid from your NRE or NRO account.
- Keep every bank advice and receipt. You will need them if you ever sell and want to send money back abroad.
To see what a loan would mean month to month, try our EMI calculator with your own numbers.
Low-density homes and older parents
Large towers suit some families. Others prefer a smaller community where neighbours know each other and lifts are not crowded. The Shalott Marque, Reeva's project at S Medihalli on Sarjapur–Attibele Road, is one example of the smaller format: 54 homes on 0.75 acres, in 2 and 3 BHK. It is RERA-registered (PRM/KA/RERA/1251/308/PR/180826/008871), so you can check it the same way you check anything else. Price is on request.
The process from abroad, step by step
- Decide whose name it goes in. Your name alone, or jointly with a parent or spouse. This affects the loan, tax and future inheritance, so discuss it with a lawyer early.
- Keep your PAN ready. Income-tax Rule 114B asks for a PAN in a property purchase above ₹10 lakh. Check that your PAN status shows you correctly as a non-resident.
- Shortlist and verify online. Use the RERA portal for every project. Save screenshots with the date.
- Get a local pair of eyes. A family member visits the site once. A lawyer reviews the title documents.
- Arrange a power of attorney if you cannot travel. A power of attorney lets a trusted person sign for you. If you sign it abroad, it is usually attested at an Indian embassy or consulate, and then stamped in India after it arrives. Your lawyer will tell you the exact steps and time limits.
- Book and sign the agreement for sale. Pay only through Indian banking channels and only to the project's account.
- Take the loan, if needed. NRI home loans need extra papers, such as your overseas job contract, salary slips and passport with visa.
- Possession and registration. Either you fly in, or your attorney signs. Keep copies of everything.
A worked money example (illustrative only)
These numbers are for practice only and are not a Reeva price. Say the home costs ₹80 lakh and you borrow ₹60 lakh, which is 75% of the value. RBI rules allow up to 75% for loans above ₹75 lakh and up to 80% for loans between ₹30 lakh and ₹75 lakh, so ₹60 lakh sits within the limit.
- Your own share: ₹20 lakh, sent from your NRE or NRO account, or as an inward remittance.
- GST on an under-construction home: 5% for most homes, or ₹4 lakh on ₹80 lakh, split as ₹2 lakh CGST and ₹2 lakh SGST.
- EMI: on ₹60 lakh over 20 years at an illustrative 8.5% a year, about ₹52,070 a month, paid from your NRE or NRO account.
- Exchange rate: if you earn abroad, your EMI in your own currency moves with the rupee. Work out what it would be if the rupee moved 5% either way, and check you are comfortable both ways.
Planning for parents who will live there
- Lift and stairs. Check lift access to every floor and the number of steps at the entrance.
- Bathrooms. Look for space to add grab bars and a non-slip floor later.
- Power backup. Ask what runs on backup: lifts, lights, a few sockets, or the whole flat.
- Security and help. Who is at the gate at night? Is there a maintenance team on site?
- Doctors and medicines. Find the nearest pharmacy and clinic that are open late, not only the big hospital.
Common mistakes NRI buyers make
- Relying on video calls alone. A video shows what the camera is pointed at. One in-person visit by someone you trust is worth more.
- Giving a broad power of attorney. Limit it to this property and these acts. A wide power of attorney can be misused.
- Paying from the wrong account. Keep payments within NRE, NRO or FCNR(B) accounts or inward remittances, so your records stay clean for any future repatriation.
- Forgetting maintenance and tax back home. Property tax, maintenance and utility bills need someone in India to pay them on time.
- Skipping a will. If parents live in a home in your name, a clear will avoids hard conversations later.
Papers to keep in one shared folder
- RERA page screenshot, agreement for sale and allotment letter
- Bank advices for every remittance and payment
- Builder receipts and demand letters
- Loan sanction letter and statements
- Power of attorney copy, if used
- Sale deed, khata and tax receipts after possession
What not to buy on
Ignore promises about future value, a metro "coming soon" or an airport "nearby". Some of these may arrive. None of them is something your agreement for sale can guarantee. Buy a home that works for your family today.