Two payment plans have dominated the Noida commercial market over the past few years: the 40:60 down-payment plan and the older 50:25:15:10 construction-linked plan. At CRC The Flagship, the current offer is the 40:60 plan — and it is a good moment to understand why that is the right structure now.
The 40:60 plan — simple and low-friction
The 40:60 plan is simple: 40 percent on booking, 60 percent on possession. It rewards buyers who can deploy capital early and who trust the developer's delivery timeline. With Towers 1, 2 and 3 construction already complete at The Flagship and only Tower 4 still under way, the delivery risk that the old construction-linked plans used to hedge is substantially reduced.
Worked example — ₹1.10 Cr retail unit
- Ticket
- ₹1.10 Cr
- On booking (40%)
- ₹44 L
- On possession (60%)
- ₹66 L
- Mid-cycle calls
- None
The 50:25:15:10 plan — a delivery-risk hedge
Historically, the 50:25:15:10 plan spread payments across four tranches aligned with construction milestones — 50 percent on booking, 25 percent during construction, 15 percent before possession, and the final 10 percent after possession. This construction-linked structure was effectively a delivery-risk hedge: you only paid as the campus rose. It suited new launches.
How the two compare
Cashflow
40:60 is two tranches. 50:25:15:10 is four tranches over multiple years.
Delivery risk
50:25:15:10 hedges delivery risk. 40:60 assumes the developer will deliver.
Net pricing
40:60 typically comes with a better effective rate — the developer values certainty of funds.
Right for
40:60 for near-ready projects with credible track record. 50:25:15:10 for new launches.
See the current 40:60 plan at The Flagship
Full pricing, unit-wise ticket sizes, and the guaranteed-lease schedule.