Quick answer: The official RERA-registered plan for Smartworld Sky Arc is a 'Construction Linked Plan' (CLP). It involves approximately 11–12 milestones (stages) from booking to possession and offers the facility of a home loan covering up to 90% of the cost. The "30:40:30" and "30:70" plans often seen elsewhere are actually promotional offers valid for a limited time, rather than the standard default plans. Full details are provided below.
If you have done even a little research on this project, you have likely encountered this issue: one site states the payment plan is 30:40:30; another claims it is 30:70; and a third site lists a minimum down payment of ₹63 lakh for the construction-linked plan. They cannot all be correct—and when you are about to invest lakhs of rupees in a booking, "probably correct" simply isn't enough.
This is no ordinary listing page. It highlights the discrepancies between the information actually filed with HARERA and the details used for marketing—while also accounting for costs that usually remain undisclosed until you receive your first demand letter.
Project Snapshot (so the payment numbers make sense)
RERA Registration: RC/REP/HARERA/GGM/878/610/2024/105 (Dated 11.10.2024) — Check live status at haryanarera.gov.in before booking
Location: Sector 69, near Southern Peripheral Road (SPR), close to Vatika Chowk, Gurugram
Configuration: 3 BHK, 3.5 BHK, and 4.5 BHK; approx. 2,355–3,270+ sq. ft. (some listings may show smaller sub-configurations; always verify with current unit plans, not older listings)
Price: The quoted starting prices range from approximately ₹3.4 crore to over ₹4.7 crore, depending on the tower, floor, and the date of the listing. The rate per square foot at launch was around ₹18,000, a figure that has since risen to the ₹20,000–₹21,000+ range as the project has progressed; treat these figures as initial estimates rather than fixed prices, and verify the current price list directly.
Before comparing rates per square foot, it is useful to understand the land context: the six towers of Sky Arc are situated on land shared with the ultra-luxury Trump Residences development. The combined density for both projects is approximately 100+ units per acre. While this is not inherently negative—being typical for large integrated townships—it becomes a significant factor when comparing Sky Arc’s price per square foot with lower-density projects in the SPR/Golf Course Extension area. You are not merely paying for an apartment; you are paying for a space within a specific density and design category.
Why You're Seeing Three Different Payment Plans
This is the part that most platforms overlook, yet it is far more important than the actual percentage figure.
Defaults registered under RERA: Milestone-based CLP (Construction-Linked Payment Plan). The official brochure outlines a schedule dividing payments into approximately 11–12 stages—booking, 30 days post-booking, followed by various construction-linked milestones (commencement of excavation, basement slab casting, 5th-floor slab, progressive stages up to the 40th floor, external plastering, completion of flooring), and finally, the application for the Occupancy Certificate and the offer of possession. Initial slabs are substantial (ranging from 10–15% each), while subsequent slabs are smaller (around 5%), with the balance payable upon possession.
The simplified "30:40:30" and "30:70" schemes often displayed on broker aggregator sites are almost invariably time-bound promotional offers ("Valid until October 30, 2025," as explicitly stated in one listing)—these are marketing tactics designed to boost sales, offered either as an alternative to or an overlay on the base CLP.
The minimum down payment of ₹63 lakh cited on certain portals actually represents the upfront cash requirement for the specific unit or tower currently being promoted by that portal—it is a minimum threshold (a floor), not a fixed formula.
The bottom line is this: do not make a booking based on figures seen on a third-party site. Request the current schedule in writing from Smartworld’s sales desk, cross-check it against the documents uploaded on RERA (RC/REP/HARERA/GGM/878/610/2024/105), and only then compare it with the promotional plan being presented to you. If a promotional plan (such as 30:70) is being offered, explicitly ask whether it alters your effective price per square foot—since promotions involving extended payment terms are sometimes offset by charging a higher premium elsewhere.
What CLP Actually Buys You (and why it's usually the smarter default)
A Construction Linked Plan ties your payments to actual construction progress rather than a fixed calendar. Two reasons this matters more than people realize:
Your loan is disbursed in a similar manner. Banks release funds only against the construction milestones for which the builder submits an invoice. If construction halts, your payments also stop; under a possession-linked plan, you do not have to pay interest on funds sitting idle in the builder's account, whereas other plans require a significant portion of the payment upfront.
Financing of up to 90% is being offered for this project, which is common for the CLP structure of premium under-construction properties. This 90% figure is based on the approved loan amount and the bank's own valuation—rather than being a direct 90% of the quoted price—especially when the bank's valuation is lower than the builder's price.
There is a trade-off involved: under a CLP (Construction Linked Plan), the risk associated with construction timelines has a greater impact on your total cost compared to a Down Payment (DP) plan. With a DP plan, you pay approximately 95% upfront to secure a discount, effectively shifting the entire risk of project completion onto the builder. However, for a project of this scale—comprising six towers, over 40 floors, and a land parcel shared with another major launch—a CLP is the better option for most buyers, as your payments are aligned with the visible progress of construction.
The Costs That Aren't in the “Starting Price”
None of the ranking pages for this keyword mention these. On a ₹4 Cr+ purchase, they're not rounding errors.
Cost head
Typical rate (Gurugram, 2026)
On a ₹4 Cr flat
GST (under-construction, non-affordable housing, no ITC)
5%
₹20,00,000
Stamp duty (male buyer, urban Haryana)
7%
₹28,00,000
Stamp duty (female buyer)
5%
₹20,00,000
Stamp duty (joint male+female)
6%
₹24,00,000
Registration fee
1% (capped ~₹50,000 in practice for high-value property)
~₹50,000
EDC/IDC, IFMS, club membership, power backup/meter charges
Varies by builder, quoted separately
Ask for the itemised cost sheet before booking
The government may revise stamp duty and GST rates; therefore, verify the current rates with your Chartered Accountant (CA) or the builder's finance desk before finalizing your budget. This table is intended solely for planning purposes and is not a substitute for professional advice.
Registering a flat worth ₹4 crore in a woman's name (either solely or as the primary joint owner) could result in savings of over ₹8 lakh—solely due to the difference in stamp duty. Be sure to discuss this with your family and lawyer before signing any documents.
Possession Date: The Honest Version
Different listings cite dates such as May 2029, March 2029, and 2032 for this project. RERA-registered projects submit a specific completion date to the authority—only that date is legally valid (delays entitle the buyer to compensation in the form of interest under RERA). Any other date might simply be a broker's estimate or an outdated cached webpage. Before booking, specifically request the possession date submitted to RERA in writing and cross-check it against the listing RC/REP/HARERA/GGM/878/610/2024/105 on the HARERA portal; do not rely on dates mentioned in brochure PDFs, as they may be outdated versions.
Sky Arc vs the M3M Alternatives on SPR/Golf Course Extension
If you are comparing payment structures in such detail, you are likely also comparing M3M’s projects on Golf Course Extension Road and the SPR Corridor. In short: while M3M’s projects in this area generally feature similar CLP structures and loan disbursement stages, they differ significantly in terms of land density, the clubhouse-to-tower ratio, and—most importantly—the actual construction progress relative to the payment stage you would be entering. This comparison warrants a detailed discussion rather than a hasty paragraph here; we have covered this extensively in our 'Sky Arc vs. M3M' comparison, which is a must-read before finalizing any project.
FAQs
What is the payment plan for Smartworld Sky Arc?
The RERA-registered default is a Construction Linked Plan spread across roughly 11-12 milestones from booking to possession, with promotional variants (like 30:70 offers) occasionally run as limited-period alternatives. Always confirm the current schedule against the RERA filing before booking.
How much loan can I get against a CLP at Sky Arc?
Up to 90% financing is commonly cited for this project's CLP structure, subject to the bank's independent valuation and your personal eligibility — the 90% is not automatic.
Is Smartworld Sky Arc RERA approved?
Yes — registered applicant Riverday Infrastructure Pvt Ltd, RERA number RC/REP/HARERA/GGM/878/610/2024/105 (dated 11.10.2024). Verify live status on haryanarera.gov.in before any payment.
What's the real possession date?
Listings vary (2029-2032). Only the date filed with HARERA is legally binding — ask for it in writing rather than trusting a cached listing.
Are there hidden costs beyond the quoted price?
Yes — GST (5%), stamp duty (5-7% depending on buyer gender), registration (~1%), plus EDC/IDC, IFMS and club charges that vary by unit. Ask for a complete cost sheet, not just the base price, before comparing this project to alternatives.
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Here's what actually matters about this location — the infrastructure converging here, what it means for your daily commute right now, and why investors who bought in Sector 113 two years ago are already sitting on significant appreciation.
Why Sector 113 Is Not Just "On Dwarka Expressway"
Dwarka Expressway runs 29.5 km. Every project between Sector 99 and Sector 114 claims to be "on Dwarka Expressway." That's meaningless.
Sector 113 is different — and here's why it matters:
It sits at the Delhi–Gurugram border. Cross the sector boundary and you're in Dwarka, Delhi. That's not a marketing line; it's a geographic fact that has direct implications for connectivity, security, and long-term land value.
When buyers in Sector 103 or 106 say "close to Delhi," they mean 15–20 minutes by car. From Sector 113, Dwarka Sector 23 is a 5-minute drive. That difference compounds when you're calculating time cost daily over years.
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