It depends on what the specific M3M project’s FMV actually is. The M3M brand premium in the Sector 65 GCE Road corridor is approximately 7–10% over comparable non-M3M developments in the same sector.

If the M3M asking price is at the upper end of this premium range over IGRS Haryana comparable registered transactions, you are paying a fair premium. If it is above this range, you are overpaying relative to the market.

A2Z Valuers’ pre-purchase FMV check will help establish whether ₹3.1 crore is within the documented FMV range for that M3M project and specification.

Call with the project name and flat specification to discuss your pre-purchase valuation.

You may have a strong H-RERA claim, depending on your agreement, possession obligations, project status and applicable law.

Based on the illustrative calculation provided, H-RERA interest at approximately 10.75% p.a. on your paid amount of ₹1.65 crore for 60 months would be approximately ₹89.4 lakh, subject to the applicable prescribed rate and actual calculation.

The flat’s current OC-pending FMV, using IGRS Haryana comparables for Sobha City OC-received flats, is estimated in the range of ₹1.85–2.1 crore.

Consider the two broad possibilities:

The accept + interest route may be financially superior to a refund in this illustration. However, the actual outcome depends on possession status, contractual rights, the applicable H-RERA order and the valuation of your specific flat.

Call A2Z Valuers to discuss your flat's current FMV assessment.

DDJAY is the Haryana Government’s affordable housing scheme — Deen Dayal Jan Awas Yojana. It facilitates planned affordable residential development, subject to applicable policy conditions.

A DDJAY flat is a genuine affordable housing product. It may be worth considering if:

• The purchase price is within your home loan capacity.
• The specific project's H-RERA compliance is confirmed.
• The Occupation Certificate (OC) has been received, or the possession timeline is sufficiently established.

The resale market for OC-received DDJAY flats in Signature Global's Gurugram projects has been indicated at approximately ₹38–52 lakh for 58–65 sq. mt. units. Actual values vary by project, location, specifications and transaction date.

A2Z Valuers can provide a DDJAY pre-purchase FMV assessment for a specific Gurugram project, with a 24-hour fee estimate.

You may have the right to challenge the compensation under Section 64 of the LARR Act, subject to the statutory requirements, applicable timelines and facts of your acquisition.

Get A2Z Valuers’ Section 34AB Category II FMV certificate establishing the market value of your Shikohpur land, including the relevant peri-urban development premium.

The land's proximity to the SPR corridor may contribute significant development potential. An appropriate valuation should examine location, land use, accessibility, comparable transactions and applicable acquisition valuation principles.

The valuation certificate can provide an evidential foundation for your Section 64 reference before the competent Land Acquisition Authority.

Call immediately to discuss your land records, acquisition notification and independent FMV assessment.

Yes, subject to the institution's legal structure, ownership or permissible security rights, lender policies and applicable approvals. Banks may consider educational campus property as collateral for eligible institutional finance.

A2Z Valuers’ Section 34AB Category I valuation can use the replacement cost approach, considering:

• CPWD DRC for school building construction and replacement cost.
• Institutional land FMV supported by relevant IGRS Haryana evidence.
• Building condition, depreciation, specifications and campus infrastructure.

For a 4-acre Sector 56 school campus with 1,05,000 sq. ft. construction, the illustrative Section 34AB FMV provided is ₹44–48 crore. An indicative 50–60% LTV would imply a potential loan range of ₹22–29 crore, subject to the bank's independent credit and security assessment.

Contact A2Z Valuers with your campus details for a 24-hour fee estimate.

The ground floor with a private garden may command approximately 10–15% premium over the first floor in the same project, subject to actual paired-comparison evidence and unit characteristics.

Whether you should pay that premium depends on your lifestyle:

• Ground floor with garden: Private outdoor space may be valuable for children, pets and entertainment.
• First floor: May appeal to buyers who prefer greater separation from common pathways and a different balance of privacy and access.
• Second floor: Check whether terrace rights are exclusively allocated to the particular unit in the registered sale documentation.

A2Z Valuers’ pre-purchase FMV check can help determine whether the specific asking prices for each floor are within a supportable market premium range.

Yes, and it may work in your favour. A2Z Valuers’ Section 34AB valuation certificate can examine the Godrej delivery-credibility premium, indicated at approximately 5–8% over comparable non-Godrej developments in Sector 85, subject to market evidence.

The valuation can document the relevant Godrej Air project premium using IGRS Haryana paired-comparison evidence, along with project-specific and property-specific characteristics.

The assessed FMV may reflect a premium where supported by the evidence. Your buyer's bank can then review the valuation methodology and supporting transaction evidence.

This is distinct from the general market rate: a project-specific premium should be supported by comparable evidence and relevant delivery and regulatory records.

They are closely connected, but they are not exactly the same thing. The Haryana circle rate, officially referred to as the Collector Guideline Value (CGV), is the stamp-duty valuation benchmark relevant to the application of Section 50C of the Income-tax Act.

Section 50C provides that where the stamp duty value exceeds the actual sale consideration by more than the applicable statutory tolerance (generally 10%, subject to the law and transaction circumstances), the stamp duty value may be deemed to be the full value of consideration for capital gains purposes.

For many Southern Gurugram / SPR flat sales in 2026, the genuine market FMV may be above the CGV, depending on the specific sector, property and transaction date. A sector-specific assessment is therefore important.

A2Z Valuers provides a Section 50C preliminary check for your specific sector and flat type as part of the fee-estimate process.

Share your sector number, flat type and proposed sale price to discuss your preliminary Section 50C check.