{"id":8243,"date":"2025-10-27T07:46:22","date_gmt":"2025-10-27T07:46:22","guid":{"rendered":"https:\/\/housiey.com\/blogs\/?p=8243"},"modified":"2025-10-28T06:32:58","modified_gmt":"2025-10-28T06:32:58","slug":"mumbai-developers-push-for-101080-premium-payment-structure-in-meeting-with-bmc-chief","status":"publish","type":"post","link":"https:\/\/housiey.com\/blogs\/mumbai-developers-push-for-101080-premium-payment-structure-in-meeting-with-bmc-chief","title":{"rendered":"Mumbai Developers Push for 10:10:80 Premium Payment Structure in Meeting with BMC Chief"},"content":{"rendered":"<p>Mumbai\u2019s top real estate bodies \u2014 CREDAI-MCHI, NAREDCO, BDA, and PEATA \u2014 came together on October 24 for a crucial meeting with BMC Commissioner Bhushan Gagrani, discussing pressing challenges in the sector and proposing a more balanced 10:10:80 premium payment model.<\/p>\n<blockquote><p><em><strong>Also read:-<a href=\"https:\/\/housiey.com\/blogs\/blogs\/mcgm-property-tax-download-payment-online-tax-bill\">MCGM Property Tax: Download | Payment Online | Tax Bill<\/a><\/strong><\/em><\/p><\/blockquote>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/housiey.com\/blogs\/mumbai-developers-push-for-101080-premium-payment-structure-in-meeting-with-bmc-chief\/#Whats_the_10_10_80_Proposal_All_About\" >What\u2019s the 10:10:80 Proposal All About?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/housiey.com\/blogs\/mumbai-developers-push-for-101080-premium-payment-structure-in-meeting-with-bmc-chief\/#Understanding_%E2%80%9CPremium%E2%80%9D_in_Real_Estate\" >Understanding \u201cPremium\u201d in Real Estate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/housiey.com\/blogs\/mumbai-developers-push-for-101080-premium-payment-structure-in-meeting-with-bmc-chief\/#Steering_Committee_to_Strengthen_Dialogue\" >Steering Committee to Strengthen Dialogue<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/housiey.com\/blogs\/mumbai-developers-push-for-101080-premium-payment-structure-in-meeting-with-bmc-chief\/#Industry_Voices_A_Step_Toward_Practical_Reform\" >Industry Voices: A Step Toward Practical Reform<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/housiey.com\/blogs\/mumbai-developers-push-for-101080-premium-payment-structure-in-meeting-with-bmc-chief\/#A_Step_Toward_Smoother_Urban_Development\" >A Step Toward Smoother Urban Development<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Whats_the_10_10_80_Proposal_All_About\"><\/span><b>What\u2019s the 10:10:80 Proposal All About?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Under the new proposed plan, developers suggest paying 10% of the premium at the time of project approval, another 10% during the Commencement Certificate (CC) stage, and the remaining 80% at the Occupation Certificate (OC) stage.<\/p>\n<p>At present, developers are obligated to pay a variety of premiums upfront \u2014 including fungible FSI, open space deficiency, fire service charges, scrutiny fees, and development cess \u2014 or opt for deferment schemes that carry a steep 12% interest rate. These payments come at the initial stages of development, long before revenue starts coming in, making it financially straining for developers.<\/p>\n<p>The 10:10:80 structure, if approved, could ease cash flow pressures and allow developers to link payments with actual project progress. Importantly, the proposal maintains that it would not impact civic revenues, but would instead make the payment process more practical and sustainable.<\/p>\n<blockquote><p><em><strong>Also read:-<a href=\"https:\/\/housiey.com\/blogs\/blogs\/differences-between-occupancy-certificate-vs-completion-certificate\">Differences between Occupancy Certificate vs Completion Certificate<\/a><\/strong><\/em><\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_%E2%80%9CPremium%E2%80%9D_in_Real_Estate\"><\/span><b>Understanding \u201cPremium\u201d in Real Estate<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In Mumbai\u2019s real estate ecosystem, <i>premium<\/i> refers to a range of charges that developers pay to civic authorities for project approvals and additional construction rights \u2014 such as extra built-up area or fungible FSI. There are more than 20 types of premiums levied on projects, contributing to nearly 20\u201330% of the overall project cost.<\/p>\n<p><span style=\"font-weight: 400;\">These costs are among the highest in the country, and developers have long argued for a more rationalized approach to ease financial stress, especially given the city\u2019s complex approval framework.<\/span><\/p>\n<blockquote><p><em><strong>Also read:-<a href=\"https:\/\/housiey.com\/blogs\/blogs\/municipal-tax-on-commercial-property-pay-online-rules\">Municipal Tax on Commercial Property: Pay Online | Rules<\/a><\/strong><\/em><\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Steering_Committee_to_Strengthen_Dialogue\"><\/span><b>Steering Committee to Strengthen Dialogue<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Following the meeting, BMC Commissioner Bhushan Gagrani announced the formation of a dedicated steering committee that would bring together representatives from CREDAI-MCHI, NAREDCO, PEATA, and BDA, alongside officials from various MCGM departments \u2014 including the fire office.<\/p>\n<p>The committee will meet fortnightly to address policy issues, streamline decision-making, and explore opportunities to strengthen Mumbai\u2019s real estate growth. The meetings will be chaired by Deputy Chief Engineer Chandrashekhar Undge, with the BMC Commissioner himself joining monthly reviews to ensure accountability and steady progress.<\/p>\n<blockquote><p><em><strong>Also read:-<a href=\"https:\/\/housiey.com\/blogs\/blogs\/what-are-the-government-taxes-on-property-purchase-in-mumbai\">What Are The Government Taxes on Property Purchase in Mumbai<\/a><\/strong><\/em><\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Industry_Voices_A_Step_Toward_Practical_Reform\"><\/span><b>Industry Voices: A Step Toward Practical Reform<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sukhraj Nahar, President of CREDAI-MCHI, expressed optimism about the outcome of the discussions.<\/p>\n<p><span style=\"font-weight: 400;\">\u201cIt\u2019s encouraging to see all real estate associations speak with one unified voice. The 10:10:80 payment model is a fair and pragmatic proposal that aligns payment timelines with project cash inflows while remaining revenue neutral for the administration,\u201d he said.<\/span><\/p>\n<p>Echoing the sentiment, Rushi Mehta, Secretary of CREDAI-MCHI, emphasized the importance of continued collaboration.<\/p>\n<p><span style=\"font-weight: 400;\">\u201cThe real estate industry is one of Mumbai\u2019s key growth drivers. Regular engagement with civic authorities is essential to unlock its full potential. We hope this initiative leads to tangible reforms that benefit both the industry and the city.\u201d<\/span><\/p>\n<blockquote><p><em><strong>Also read:-<a href=\"https:\/\/housiey.com\/blogs\/blogs\/how-to-apply-for-a-property-mutation-certificate-in-maharashtra-in-2025\">How to Apply for a Property Mutation Certificate in Maharashtra in 2025?<\/a><\/strong><\/em><\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"A_Step_Toward_Smoother_Urban_Development\"><\/span><b>A Step Toward Smoother Urban Development<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The proposed payment model reflects a growing consensus that for Mumbai\u2019s real estate to thrive, policy frameworks must evolve in tandem with the city\u2019s changing economic and infrastructural needs. A transparent, balanced system could ensure steady development while supporting both the public and private stakeholders in the process.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mumbai\u2019s top real estate bodies \u2014 CREDAI-MCHI, NAREDCO, BDA, and PEATA \u2014 came together on October 24 for a&hellip;<\/p>\n","protected":false},"author":5,"featured_media":8244,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[70,71],"tags":[3617,3618,3616,3619,271],"class_list":["post-8243","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-news","category-mumbai","tag-bmc-meeting","tag-mumbai-developers","tag-mumbai-premium-payment","tag-property-market-mumbai","tag-real-estate-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v26.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mumbai Developers Push for 10:10:80 Premium Payment Structure in Meeting with BMC Chief<\/title>\n<meta name=\"description\" content=\"Mumbai developers urge BMC to adopt a 10:10:80 premium model to ease cash flow pressure while ensuring revenue stability. 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