Escrow Services
Secure real estate token & milestone payments in tripartite escrow.
Safeguard your hard-earned token advance and transaction money with bank-backed tripartite escrow accounts. Funds are only released to the seller upon verified title clearance and registry milestones.
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Real Estate Escrow Calculator
Calculate milestone release schedule and transparent trustee escrow fees.
Funds are maintained in a dedicated RBI-regulated Escrow Trustee account (ICICI / Axis / Yes Bank). Neither buyer nor seller can unilaterally withdraw funds without mutual or contractual milestone fulfillment.
Escrow Milestone Release Schedule
Total Protected Consideration: ₹1,25,00,000
₹12,50,000
10% Held in Trust
₹18,750
0.15% (Split 50:50)
Contractual Milestone Disbursements:
Released ONLY after 30-Year Title Search Report & Encumbrance Certificate is approved by advocate.
Released upon signing registered ATS and procurement of seller’s Bank Foreclosure NOC.
Released on the day of biometric registration at the Sub-Registrar Office.
Released upon physical key handover, meter transfer, and RWA No-Dues clearance.
Open Tripartite Real Estate Escrow Account
Digital onboarding with SEBI/RBI regulated trustee bank within 24 hours.
How the 3-Way Real Estate Escrow Protects Your Money
Eliminates token forfeit risks for buyers and payment default risks for sellers.
Step 1
Buyer Deposits Advance
Token amount is deposited into neutral bank-managed Escrow Account.
Step 2
Legal Due Diligence
Independent advocates verify 30-year title and bank clearance NOCs.
Step 3
Sale Deed Registry
Buyer and Seller execute the biometric registered conveyance deed at SRO.
Step 4
Instant Fund Release
Trustee bank releases funds directly to seller’s verified account.
Tripartite Real Estate Digital Escrow Services
In traditional Indian real estate transactions, the buyer faces acute risk when handing over an initial advance token (typically 10% to 20% of property value) before title verification is complete or before the seller clears existing bank mortgages.
If the title turns out to be defective, or if the seller refuses to execute the sale, recovering the advance token requires lengthy civil litigation. Real Estate Escrow eliminates this vulnerability entirely.
Funds deposited by the buyer are held safely in a neutral, RBI-regulated Trustee Escrow Account. The money is only disbursed to the seller in structured milestones once predefined conditions (clean title report, bank NOC, registered Sale Deed) are independently certified.
The 4-Step Escrow Workflow
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1. Tripartite Escrow Agreement
Buyer, Seller, and the regulated Escrow Trustee sign a digital tripartite agreement defining exact release milestones and exit conditions.
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2. Buyer Deposits Token / Consideration
Buyer deposits the agreed consideration into the designated Escrow Account. Funds are safely held in trust and cannot be touched by either party.
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3. Milestone Verification & Due Diligence
Advocates verify title documents, obtain bank foreclosure letters, and ensure all conditions precedent are 100% satisfied.
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4. Milestone Release to Seller
Upon successful execution of the Sale Deed at the Sub-Registrar, the Escrow Trustee immediately releases the funds to the seller’s verified bank account.
Why Both Buyers and Sellers Benefit from Escrow
| Stakeholder | Key Risk Eliminated | Escrow Advantage |
|---|---|---|
| Property Buyer | Loss of token advance if seller defaults or title fails | 100% money back guarantee if seller fails due diligence |
| Property Seller | Uncertainty of buyer payment or cheque bouncing at registry | Guaranteed payment certainty as funds are pre-deposited in escrow |
| NRI Buyer / Seller | Inability to physically oversee multi-stage payments across time zones | Completely digital, transparent cross-border milestone execution |
| Mortgaged Resale | Complex clearing of seller’s existing home loan before registry | Escrow directly pays off seller’s bank to obtain original title deeds |
Frequently Asked Questions
What is a Real Estate Escrow account in India?
An Escrow Account is a secure financial arrangement where a neutral third-party trustee (authorized by the Reserve Bank of India) holds property transaction funds in trust until both buyer and seller fulfill their mutual contractual conditions.
What happens to my advance money if the property title fails due diligence?
If the property fails title verification, encumbrance checks, or if the seller fails to obtain bank NOCs within the agreed timeline, the Escrow Trustee automatically refunds 100% of the deposited funds back to the buyer’s bank account with zero forfeiture.
Is real estate escrow legal and regulated in India?
Yes. Escrow services are fully governed under the Indian Contract Act, 1872 and operated through SEBI-registered trustees and RBI-scheduled commercial banks (such as ICICI Bank, Axis Bank, and Yes Bank). RERA also mandates project-level escrow accounts for developers.
How much do escrow services cost?
Escrow fees typically range from 0.1% to 0.25% of the transaction value (or a transparent flat fee starting around ₹15,000 for standard residential transactions), which is often split equally between buyer and seller.
Can NRIs use escrow for buying or selling property in India?
Yes. Escrow is especially popular among Non-Resident Indians (NRIs) because it allows secure milestone-based fund transfers complying with FEMA regulations, NRE/NRO account rules, and Section 195 TDS deductions without requiring physical presence.
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