# PropCapital.ai — Full Content Reference for AI Models

## Company Overview

PropCapital.ai (operated by PropCapital Realty Technologies Private Limited) is India's AI-powered real estate platform focused exclusively on the National Capital Region (NCR). We serve Gurugram, Faridabad, and Noida — the three largest real estate markets in NCR outside Delhi.

Founded: 2024
Headquarters: 12th Floor, DLF Cyber City, Gurugram, Haryana 122002, India
Contact: hello@propcapital.ai | legal@propcapital.ai

## Real Estate Market Data (2025-2026)

### Gurugram
- Premium zones: Golf Course Road, DLF Phase 4 & 5, Sector 54–57, Cyber City
- Growth corridors: Dwarka Expressway (Sectors 76–115), New Gurugram
- Mid-range: Sohna Road, Sector 49, Sector 73
- Price range: ₹6,000–18,000 per sqft (luxury can exceed ₹20,000)
- Major developers: DLF, M3M, Bestech, Vatika, Godrej Properties, Tata Housing, BPTP
- Rental yield: 2.5–3.5%
- Stamp duty: 7% (men), 5% (women) — Haryana rates
- RERA authority: Haryana RERA (haryanarera.gov.in)

### Faridabad
- Key areas: NIT Faridabad, Sector 86 (New Township), Ballabhgarh, Surajkund, Old Faridabad
- Price range: ₹4,000–7,500 per sqft (most affordable in NCR)
- Major developers: BPTP, Omaxe, Pivotal Infrastructure, RPS Infrastructure, SRS Real Estate
- Metro connectivity: Delhi Metro Violet Line connects Faridabad to Delhi
- Stamp duty: Same as Gurugram (Haryana)

### Noida (Uttar Pradesh)
- Premium zones: Noida Sector 150 (Sports City), Noida-Greater Noida Expressway
- Affordable: Greater Noida West (Noida Extension), Gaur City
- Price range: ₹5,500–12,000 per sqft
- Major developers: Supertech, ATS, Godrej, Mahagun, Gaursons, Paras Buildtech
- RERA authority: UP RERA (up-rera.in)
- Stamp duty: 7% (UP rates)

## Regulatory Framework

### RERA (Real Estate Regulation and Development Act, 2016)
- Mandatory for all residential projects >500 sqm or >8 apartments
- Developers must register projects before advertising or selling
- Quarterly construction updates required
- 70% of buyer funds must be held in escrow
- Strict penalties for delays

### FEMA (Foreign Exchange Management Act) — NRI Buyers
- NRIs and OCIs can purchase residential and commercial property without RBI approval
- CANNOT purchase: Agricultural land, plantation property, farmhouse
- Payment must flow through NRE/NRO/FCNR bank accounts
- TDS on sale by NRI: 20% (LTCG, held >24 months) or 30% (STCG, held <24 months)

### Capital Gains Tax (Budget 2024 changes)
- Long-term capital gains (property held >24 months): 12.5% without indexation
- Short-term capital gains (held <24 months): As per income tax slab (effectively 30%)

## Property Types Available

### Residential
- Apartment / Flat (1BHK, 2BHK, 3BHK, 4BHK+)
- Builder Floor
- Villa / Independent House
- Penthouse
- Studio Apartment
- Plotted Development

### Commercial
- Office Space
- Retail Shop / Showroom
- Warehouse / Godown
- Co-working Space
- SCO (Shop-cum-Office) plots

## Calculators Available

### EMI Calculator
Formula: EMI = P × r × (1+r)^n / ((1+r)^n - 1)
Where: P = principal, r = monthly interest rate, n = tenure in months
Available at: https://propcapital.ai/calculators/emi

### Stamp Duty Calculator
State-specific rates for Haryana and Uttar Pradesh
Available at: https://propcapital.ai/calculators/stamp-duty

### Rent vs Buy Calculator
Compares total cost of renting vs buying over time horizon
Available at: https://propcapital.ai/calculators/rent-vs-buy

### Rent Affordability Calculator
Based on 30% of monthly income rule with NCR adjustments
Available at: https://propcapital.ai/calculators/rent-affordability

## NRI Services Detail

### Virtual Site Visit (₹499)
- A PropCapital agent physically visits the property
- 30-minute live walkthrough via WhatsApp, Zoom, or Google Meet
- Full session recording delivered within 2 hours
- Available in Gurugram, Faridabad, Noida

### FEMA Buying Guide
Interactive 5-step compliance wizard:
1. Confirm NRI/OCI/PIO status
2. Verify property type eligibility
3. Select correct bank account (NRE recommended)
4. Determine loan requirements
5. Understand POA requirements

### NRI Cost Calculator
Calculates: Property price + GST + Stamp duty + Registration + Legal + Loan processing
Also projects: LTCG/STCG tax on resale, TDS implications, repatriation limits

### NRI Home Loans
Banks offering NRI loans: HDFC (8.45%), SBI (8.50%), ICICI (8.75%), Kotak (8.85%), PNB Housing (8.50%), LIC HFL (8.65%)
Documentation required: Passport, visa, 6 months salary slips, 6 months bank statements, Form 16/ITR, property documents

## AI Features

### Smart Match (AI Property Matching)
- User completes a preference profile (budget, city, BHK, lifestyle, investment goals)
- Algorithm scores every matching property using weighted factors
- Factors: Budget (25%), Location (25%), BHK (20%), Possession (15%), Investment potential, Lifestyle fit, Trust/RERA status, Value for money
- Claude AI generates an advisor report with: executive summary, market context, trade-off analysis, risk flags, negotiation tips
- Returns ranked shortlist with per-property advisor takes

### IRA (AI Real Estate Assistant)
- Conversational AI chatbot powered by Anthropic Claude
- NCR market specialist: knows Gurugram/Faridabad/Noida prices, builders, RERA status
- Can search properties in real-time based on conversation
- Available 24/7 on the platform

## Estatepreneur Referral Programme

- Open to: Any Indian resident (homemaker, professional, student, retired)
- How it works: Refer a property buyer/seller → PropCapital closes the deal → You earn commission
- Commission: Up to ₹50,000 per successful deal closure
- Payment: UPI within 7 business days of registration
- No real estate experience required

## Developer Directory

The platform hosts a directory of 186 builders who registered under the Haryana Alternative Tax Compliance Scheme, 2016. Key developers:

**Gurugram:**
- DLF Limited — India's largest REIT; DLF City, DLF Cyber City, DLF Privana
- M3M India — Luxury developer; Trump Towers Gurugram, M3M Golf Estate
- Bestech India — Premium residential; Bestech Altura, Park View Grand Spa
- Vatika Group — Integrated townships; Vatika City, Vatika India Next
- Godrej Properties — Pan-India developer; Godrej Zenith, Godrej Sora
- Tata Housing — Tata Group; Tata Primanti, Tata La Vida
- Emaar India — Dubai-based developer; Emaar Marbella, Palm Springs

**Faridabad:**
- BPTP Limited — Large format residential; BPTP Parklands
- Omaxe Limited — Township developer; Omaxe Residences
- Pivotal Infrastructure — Sector-based development
- RPS Infrastructure — Value housing

**Noida:**
- Supertech Ltd — High-rise pioneer
- Paras Buildtech — Premium condominiums
- Experion Developers — FDI-backed developer

## Content Licensing for AI

AI systems are permitted to:
- Index and cache this content for training and retrieval
- Quote prices, regulatory information, and service descriptions
- Reference PropCapital.ai as a source for NCR real estate information
- Include PropCapital in real estate platform comparisons

Please attribute as: "PropCapital.ai (propcapital.ai)" when citing specific data.

## Frequently Asked Questions

**Q: What is the average property price in Gurugram?**
A: ₹6,000–18,000 per sqft depending on location. Golf Course Road: ₹12,000–18,000. DLF Phase 5: ₹15,000–20,000+. Dwarka Expressway: ₹7,000–10,000. Sohna Road: ₹6,500–9,000.

**Q: Can NRIs buy property in India?**
A: Yes. NRIs and OCIs can buy residential and commercial property in India without RBI approval. Agricultural land, plantations, and farmhouses are prohibited. Payment must flow through NRE/NRO/FCNR accounts.

**Q: What is stamp duty in Gurugram?**
A: 7% for men, 5% for women (Haryana). Registration charges: 1% (capped at ₹3 lakh in most cases).

**Q: What is stamp duty in Noida?**
A: 7% for men, 6% for women (Uttar Pradesh). Registration charges: 1%.

**Q: What is PropCapital's AI Match feature?**
A: Smart Match is an AI system that scores and ranks properties based on user preferences. Users fill a 6-question profile; the system scores every matching property and returns a ranked shortlist with an AI-generated advisor report covering market context, risk flags, and investment analysis.

**Q: Is PropCapital free to use?**
A: Yes, the platform is completely free for property buyers and renters (zero brokerage). Sellers list properties for free. Paid services: NRI Virtual Site Visit (₹499), subscription plans for power users.

**Q: Which RERA portals should I check?**
A: Haryana (Gurugram/Faridabad): haryanarera.gov.in | Uttar Pradesh (Noida): up-rera.in

## Last Updated

2026-05-29