Built for Indian real-estate developers, brokers, and channel partners. 70% deposit rule enforced. GST 1%/5%/12%/18% locked per unit. Channel-partner commissions tracked. §194-IA workflows handled. From ₹799/month.
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The 70% deposit rule is enforced at booking time, not reconciled at quarter-end. Withdrawal workflow holds the three required certifications. Filings come out pre-filled. RERA notices stop being a thing that happens to you.
Affordable / residential / commercial / works-contract are four different regimes with different ITC eligibility. OnGravy classifies at project setup and locks it into every invoice. The single most common compliance error in this vertical — accidentally claiming ITC on no-ITC slabs — is blocked at entry.
Each partner has their own commission rate. Log a booking against their referral; the commission accrues automatically. Ageing buckets surface stale payouts before they sour the channel. §194H TDS is estimated against the ₹15k FY threshold so you know what to deduct at payout, without a separate spreadsheet.
Project-wise designated escrow account isolated as its own ledger. Auto-tracks the 70% deposit rule (every rupee collected from buyers, 70% must hit the escrow). Quarterly RERA filings prompted with the line items pre-computed.
Affordable housing 1% (no ITC), residential under-construction 5% (no ITC), commercial under-construction 12% (with ITC), works contract 18%. OnGravy classifies each unit / invoice at the right rate and locks the ITC eligibility accordingly.
On every property sale above ₹50L, the buyer must deduct 1% TDS and file Form 26QB. OnGravy pre-generates the form data, tracks the TDS credit to your books, and reconciles against your AIS.
Partner-level commission rates (% of booking or flat per-unit) at /dashboard/channel-partners. When a booking is logged at /dashboard/bookings against a partner, the commission auto-accrues — partner config × unit value, in PENDING status, linked back to the booking. §194H TDS estimated above the ₹15k FY threshold (2% post-Oct-2024). Ageing buckets surface stale pending commissions.
Each project (residential tower, plotted scheme, commercial complex) is its own ledger. Land cost, approvals, construction inputs, marketing, admin overhead allocated by project. Per-project profit margin visible — sign the next acquisition with eyes open.
Each buyer's ledger shows booking advance, milestone payments (foundation, slab, finishing), GST, stamp duty, registration. Auto-issue receipts and booking confirmations via WhatsApp. Buyer always knows where their money sits.
Site engineer between visits speaks: "Cash paid 5000 rupees vendor Krishna Hardware cement delivery project Greene Heights phase 2 tower B". OnGravy logs against the right project ledger. Approve on the phone, move on.
Citation-backed answers on RERA escrow rules, GST on under-construction edge cases, §194-IA TDS workflows, exemptions on long-term capital gains under §54 / §54F, joint-development agreement tax treatment.
5+ projects? Contact us for Enterprise. 8% off on annual billing. No setup fee, no card to start. See all plans.
Yes — at project setup you designate the RERA escrow bank account. As bookings come in, OnGravy enforces that 70% of every payment hits the escrow and 30% to the operating account. The split is recorded as a journal entry. Quarterly RERA filing line items (collections, withdrawals, construction spend) are pre-computed; your liaison signs off instead of reconstructing from bank statements. Withdrawals from escrow require the engineer / CA / architect certifications RERA mandates — OnGravy holds a workflow to capture all three before flagging the withdrawal as compliant.
Four regimes apply: (1) Affordable housing (carpet area ≤ 60 sqm metros / 90 sqm non-metros, value ≤ ₹45L) — 1% GST, no ITC. (2) Other residential under-construction — 5% GST, no ITC. (3) Commercial under-construction — 12% GST with full ITC. (4) Works contract for government — 18% with ITC. OnGravy classifies each unit at project setup based on carpet area, sale value, and project category; the right rate is locked into invoices. Most common error in this vertical is accidentally claiming ITC under the 5%/1% regime — OnGravy blocks that at entry.
Each partner is set up once with their commission rate (% of unit value, or flat per-unit) and entity type (individual / firm / company / LLP). When a booking is logged against them at /dashboard/channel-partners, the commission accrues automatically. The ledger shows accrued / paid / outstanding per partner, ageing buckets (0-30, 31-60, 61-90, >90 days), and estimated §194H TDS payable (2% above ₹15k FY threshold, since 1 Oct 2024). PAN missing on a non-individual partner triggers a §206AA warning so you know to chase it before the higher 20% TDS rate kicks in. Partners + commissions sync per-business via Supabase RLS — same partner ledger visible on phone, laptop, and on your CA's sign-in. Booking-system auto-association (so a partner referral on a booking auto-creates the commission row) lands in a later wave.
JDAs are landowner-developer revenue-share arrangements. Record the JDA at /dashboard/jda — landowner name, land value, sharing model (revenue % or flats), construction GST rate. The works-contract GST on the construction service rendered to the landowner is computed live (₹ land value × rate / 100, with 1% / 5% / 12% / 18% rate options for affordable / residential / commercial / works-contract). RLS-scoped per business; statutory audit grade. CA / lawyer still drafts the JDA itself; OnGravy records the financial structure so the books reflect the arrangement. When a booking is logged at /dashboard/bookings against this JDA, the unit value is auto-split into landowner_share + developer_share per the agreed % (REVENUE model only — AREA model leaves the split NULL since landowner receives flats, not revenue).
Yes — set up sales and rental sides as separate "businesses" under one account. The Business Owner plan includes your first business and lets you add more at ₹599/mo each; the Tax Practitioner and Individual CA plans bundle several client businesses. Sales runs under the RERA / under-construction GST regime; rental runs under §194-I TDS (10% on rent payments above ₹2.4L/year) and 18% GST on commercial rent (residential rent is exempt). One owner profile, two cleanly separated ledgers.
Business Owner ₹799/month covers a developer or broker running their own books — full GST + §194-IA, RERA escrow, channel-partner ledger, voice voucher, AI tax advisor, unlimited invoices. If you manage several entities or clients, Tax Practitioner ₹1,999/month includes 3 client businesses (then +₹299/mo per additional active client) and Individual CA ₹3,499/month includes 5 (then +₹299/mo each). Custom Enterprise for large groups. There is no free tier. No setup fee, cancel monthly. See all plans at ongravy.com/pricing.
No card to sign up. WhatsApp OTP login. Sample project preloaded with bookings, channel partners, and milestone payments so the screens never look empty. If it does not save you a week of work during your next RERA audit, walk away.