Independent buyer-side property research
HomeTruth™ Buyer Risk Report
Independent property intelligence that gives you the insights to understand the risks before you commit.
A property can look attractive, be RERA-registered and even be approved by your home-loan bank — and still contain issues that deserve closer attention before you pay.
HomeTruth independently examines the project, developer and available public information to help you understand the important risks, unresolved questions and checks that deserve attention before you commit your money.
Standard Buyer Risk Report: ₹4,999
Typical delivery: 2–3 business days
Independent · Buyer-side · No developer commissions
BEFORE YOU BUY, KNOW WHAT DESERVES A CLOSER LOOK
Buying a home is not just about liking the location, layout or price.
It also means understanding:
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What has actually been registered with RERA
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What possession timeline the developer is legally working to
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Whether important approvals and completion records are available
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What the developer's past delivery record indicates
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Whether financial stress signals exist
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Whether material litigation or insolvency proceedings deserve attention
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How much usable area you are really getting
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Whether the project's density, infrastructure and specifications match the positioning
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What information remains unclear
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What you should ask for before making your next major payment
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Whether a project that is selling extremely well still carries a structural, legal, financial, approval, infrastructure or execution problem that popularity cannot solve — and that could become a major cost, delay or loss for buyers later
A hot-selling project is not automatically a low-risk project.
Strong sales, rising prices and market excitement can create confidence. But they do not remove underlying problems.
A project can sell quickly and still carry an issue that only becomes expensive later — after the booking amount is paid, prices have moved, possession is delayed, or exiting the investment becomes difficult.
HomeTruth looks beyond market excitement to ask:
Is there any material problem here that a buyer should not ignore, even if everyone else appears to be buying?
HomeTruth brings these questions together into one independent Buyer Risk Report.
[Check My Property]
A BROCHURE TELLS YOU WHAT IS BEING SOLD.
HOMETRUTH HELPS YOU EXAMINE WHAT YOU ARE BUYING.
Developers understandably present the strongest case for their projects.
Brokers help facilitate transactions.
Banks decide whether they are willing to lend.
RERA provides the regulatory framework and prescribed disclosures.
We do not sell property.
We do not receive developer commissions.
We do not earn more if you proceed with the purchase.
Our role is to independently examine the available evidence and help you identify what deserves further attention.
WHAT WE EXAMINE
RERA Registration & Project Status
RERA Registration & Project Status
We examine the identified project's available RERA registration and disclosures, including matters such as:
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Registration status
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Promoter details
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Registered possession timeline
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Original and revised completion dates where available
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Extensions
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Project updates
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Material differences between registered information and marketing claims where identified
Why it matters
The possession date presented during the sales process may not always be the same as the timeline reflected in the regulatory record.
For a buyer, that difference can materially affect financing, rent, opportunity cost and expectations.
Approvals & Completion Risk
We examine available information relating to important approvals and project-completion indicators.
Depending on the stage and nature of the project, this may include:
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Sanctioned plans
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Commencement-related records
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Occupancy / completion status
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Fire-related approvals
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Environmental approvals
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Water, sewage, roads and electricity-related information
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Other material project-specific permissions
Why it matters
An approval that we cannot independently verify does not automatically mean that the approval does not exist.
It means the buyer should not assume.
HomeTruth identifies the item and tells you what should be obtained or independently checked before proceeding.
DEVELOPER TRACK RECORD
A strong brochure cannot erase a weak delivery history.
We review available information relating to the developer's execution record, including:
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Previous projects
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Promised versus actual delivery
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Material delays
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Compensation or regulatory outcomes where identified
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Recurring execution concerns
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Relevant buyer or project-level disputes
Why it matters
The developer's history can provide useful context about how confidently you should treat current promises.
Past performance does not guarantee future performance — but repeated execution patterns deserve attention.
FINANCIAL RISK SIGNALS
A project can be attractive while the developer behind it is under financial pressure.
Where reliable information is available, HomeTruth reviews relevant indicators such as:
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Revenue
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Profitability
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Net worth
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Debt
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Cash-flow signals
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Credit ratings
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Rating withdrawals
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Defaults
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Structured obligations
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Insolvency-related information
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Other material corporate or financial developments
Why it matters
Property projects depend on execution over several years.
Financial stress may affect timelines, contractor payments, construction pace, quality or the developer's ability to manage unexpected problems.
HomeTruth does not treat unavailable financial information as an invented conclusion.
We distinguish between what the evidence shows and what still needs verification.
LITIGATION & INSOLVENCY SIGNALS
Property buyers often focus on the apartment and overlook the legal environment surrounding the project or developer.
HomeTruth reviews identified public records for material proceedings such as:
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RERA matters
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Consumer disputes
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NCLT / NCLAT proceedings
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Insolvency-related matters
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Material civil or commercial disputes
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Relevant project-specific proceedings
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Other litigation that may reasonably affect the buyer's risk assessment
Why it matters
Not every legal case is material.
The important question is:
Could this matter affect execution, ownership, possession, financial stability or your ability to make an informed decision?
That is the context HomeTruth tries to provide.
AREA, LOADING & WHAT YOU ARE ACTUALLY PAYING FOR
Two homes with the same advertised size may provide very different usable space.
Where reliable information is available, HomeTruth examines:
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Carpet area
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Saleable / super area
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Loading
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Unit configuration
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Density
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Approximate units per acre
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Ticket size
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Relevant pricing context
Why it matters
A high-end project can still be inefficient from a usable-area perspective.
HomeTruth helps you understand the relationship between the number being marketed and the space you may actually use.
CONSTRUCTION, AMENITIES & LIVABILITY
Where relevant information is available, we also examine project characteristics such as:
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Construction system
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Specifications
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Flooring
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Kitchen and bathroom specifications
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Air-conditioning / MEP provisions
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Parking
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Internal roads
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Amenities
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Maintenance implications
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Density
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Location-related concerns
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Infrastructure dependencies
Why it matters
The property you buy is not just an asset on paper.
You will live with its construction quality, density, maintenance burden and infrastructure for years.
WE SEPARATE EVIDENCE FROM ASSUMPTION
A HomeTruth report does not try to make every project look safe or unsafe.
We organise findings into clear decision categories.
VERIFIED
Information supported by the evidence reviewed.
CAUTION
A matter that deserves closer attention or clarification.
MATERIAL RISK
An adverse finding that may materially affect the decision.
VERIFY
An important matter that could not be independently confirmed and should be checked before proceeding.
Our rule is simple:
If we know it, we show you why.
If we cannot verify it, we tell you what to ask for.
We do not fill information gaps with assumptions.
WHAT A HOMETRUTH REPORT CAN BRING TO LIGHT
Serveral Misses
A possession-date mismatch
A developer's sales presentation may suggest an earlier delivery while the registered RERA timeline allows significantly longer. That difference matters.
Developer financial stress
Credit-rating actions, debt issues, defaults, insolvency proceedings or weak financial signals may change how you assess execution risk.
Litigation you were not considering
Material project or developer proceedings may not appear in the sales conversation but may still deserve attention.
Approvals requiring verification
Certain approvals may not be readily visible in the information reviewed.
Rather than treating that as automatically positive or negative, HomeTruth tells you what should be obtained and checked.
High loading
A premium apartment may have a substantial difference between marketed area and usable carpet area.
Understanding that difference can materially change your view of value.
A developer's delivery pattern
Past projects may reveal delays, compensation disputes or recurring execution concerns worth considering before relying on future promises.
WHAT YOU RECEIVE
HOME TRUTH™ BUYER RISK REPORT
₹4,999
Your report may include, depending on the project and available evidence:
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Overall HomeTruth Risk View
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Key positives
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Major concerns
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RERA registration and project-status review
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Possession and timeline analysis
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Approval and completion-risk indicators
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Developer track record
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Financial-risk signals
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Material litigation and insolvency indicators
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Delay and delivery-risk analysis
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Area and loading observations
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Density and project-characteristic analysis
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Construction and livability observations where relevant
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Information requiring verification
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Evidence-confidence observations
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Buyer action checklist
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Documents to request
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Questions to ask before proceeding
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Matters requiring professional review
YOUR BUYER ACTION LIST
A HomeTruth report is designed to help you act — not just give you more information.
Depending on the findings, your report may tell you to:
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Ask the developer for a particular approval
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Obtain a specific RERA document
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Clarify a possession-date discrepancy
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Ask for financial or project-entity information
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Investigate a litigation matter further
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Obtain a copy of an agreement before signing
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Seek clarification on area calculations
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Verify parking or infrastructure commitments
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Speak to an independent lawyer
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Obtain a title search
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Obtain a technical inspection
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Clarify a contractual clause
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Reconsider the amount or timing of your next payment
The goal is simple:
Know what deserves your check before the money goes out.
HOW IT WORKS
01. Tell us what you are considering
Send us:
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Project name
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Developer / promoter
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City and state
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RERA registration number
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Basic details of the apartment you are considering
02. We confirm the project
HomeTruth verifies that we have correctly identified the project and that it falls within the standard Buyer Risk Report scope.
03. Complete your order
Standard Buyer Risk Report: ₹4,999
Payment is requested after the assignment is confirmed.
04. We investigate
HomeTruth reviews available information across the relevant project, regulatory, developer, financial, litigation and buyer-risk areas.
05. Receive your report
Typical delivery:
2–3 business days after acceptance and payment
WHO SHOULD USE HOMETRUTH?
It is particularly relevant if you:
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Have shortlisted a specific residential project
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Are comparing one or two serious options
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Have received a price or payment plan
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Are considering paying a booking amount
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Have already paid a small amount but are approaching a larger commitment
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Want an independent perspective before proceeding
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Are buying a high-value property and want better visibility into the risks
The best time to use HomeTruth is before you become financially or emotionally locked into the transaction.
The Buyer Risk Report is designed for someone who has moved beyond casual browsing.
WHY NOT JUST RELY ON RERA?
RERA registration is important.
But registration itself does not answer every question a buyer may have.
A buyer may still want to understand:
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Whether project timelines have changed
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Whether important approvals are available
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Whether the developer has a history of delays
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Whether significant litigation exists
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Whether financial stress signals are present
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Whether information from different sources is inconsistent
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Whether the marketed area represents good usable efficiency
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What documents should be obtained before paying
RERA is an important starting point.
HomeTruth helps organise and interpret the wider buyer-risk picture.
MY BANK HAS APPROVED THE PROJECT LOAN. WHY DO I NEED HOMETRUTH?
A lender primarily decides whether it is prepared to finance the transaction.
Its concerns include:
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Your creditworthiness
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Its collateral
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Mortgageability
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Lending eligibility
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Valuation
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Documentation required for its loan
That is useful.
But you are making a broader decision involving:
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Your own capital
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Your possession timeline
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Your future living experience
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Your exposure to project delays
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Your resale prospects
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Your long-term financial commitment
Bank approval is a lending decision primarily and does not cover your investment security.
HomeTruth is a buyer-side risk assessment.
They answer different questions.
DOES HOMETRUTH TELL ME WHETHER TO BUY OR NOT?
No report should pretend that every property decision can be reduced to a single universal BUY / DON'T BUY answer.
Different buyers have different:
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Financial positions
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Time horizons
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Risk tolerance
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Alternatives
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Reasons for purchasing
HomeTruth instead tells you:
What we could establish from the available information.
What concerns us.
What remains unclear.
Why it matters.
What you should verify next.
You make the final decision.
WHAT IF SOME INFORMATION IS NOT AVAILABLE?
That is not a reason for HomeTruth to stop the analysis.
We investigate the information that can reasonably be identified and clearly distinguish between:
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Evidence found
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Evidence not found
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Information requiring direct verification
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HomeTruth's analytical interpretation
If an important document or fact cannot be independently verified, your report tells you what should be obtained or checked next.
Missing information is never replaced with invented information.
IMPORTANT SCOPE
HomeTruth provides independent property-risk research and analysis.
A HomeTruth Buyer Risk Report does not replace:
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Formal legal title verification
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A lawyer's legal opinion
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Technical or structural inspection
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Tax advice
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Financial advice
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Investment advice
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Physical verification of every approval or project condition
Where the evidence indicates that specialist review is appropriate, HomeTruth identifies that next step.
Our job is not to replace every professional.
Our job is to help you know where deeper verification is worth doing.
BEFORE YOU COMMIT, GET AN INDEPENDENT VIEW.
You may be preparing to commit lakhs — or crores — to the property you are considering.
The cost of asking better questions beforehand is small compared with the cost of discovering an important issue later.
HOME TRUTH™ BUYER RISK REPORT
₹4,999
Typical delivery: 2–3 business days
10 minute founder interpretation call included
Independent. Evidence-based. Buyer-focused.
HomeTruth does not sell property or accept developer commissions.
ENQUIRY FORM
Eligibility
HomeTruth currently accepts standard Buyer Risk Report assignments only for RERA-registered residential projects.
Please keep the RERA registration number available when submitting your request.