{"id":25011,"date":"2026-04-28T14:42:49","date_gmt":"2026-04-28T09:12:49","guid":{"rendered":"https:\/\/open.money\/blog\/?p=25011"},"modified":"2026-04-28T14:47:44","modified_gmt":"2026-04-28T09:17:44","slug":"real-estate-connected-banking-cash-visibility","status":"publish","type":"post","link":"https:\/\/open.money\/blog\/real-estate-connected-banking-cash-visibility\/","title":{"rendered":"How Real Estate Developers Can Track Payments Across Multiple Projects in Real Time"},"content":{"rendered":"\n

Three projects are running simultaneously. Buyer payments are landing across a dozen different bank accounts. A separate RERA escrow has to be maintained for each project. And somewhere in the middle of all this, a CFO is trying to answer one straightforward question:<\/p>\n\n\n\n

How much actually came in today, and which project is it for?<\/strong><\/p>\n\n\n\n

For a growing real estate developer in India, this is not a crisis. It is a Tuesday morning.<\/p>\n\n\n\n

The gap between what your bank portals<\/a> show and what your business actually needs to know is not abstract. It shows up in delayed construction decisions, finance teams buried in reconciliation, and compliance risk that quietly compounds as your project pipeline grows. The infrastructure to close that gap exists, and this article explains exactly how it works.<\/p>\n\n\n\n

Why Real Estate Treasury Management Is Uniquely Complex<\/strong><\/h2>\n\n\n\n

Real estate development is structurally unlike most businesses when it comes to managing money. You are not collecting a subscription or settling a standard invoice. You are managing multiple payment types across multiple projects, each with its own compliance obligations, bank accounts, and reporting requirements.<\/p>\n\n\n\n

On any given week, a mid-sized developer might be receiving:<\/p>\n\n\n\n

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  • Booking amounts and token advances from new buyers\u2014via NEFT, UPI, or home loan disbursals<\/li>\n\n\n\n
  • Construction-linked plan (CLP) instalments mapped to specific project milestones<\/li>\n\n\n\n
  • Bank loan disbursals into project-specific current accounts<\/li>\n\n\n\n
  • Vendor refunds and credit adjustments across different project entities<\/li>\n<\/ul>\n\n\n\n

    Layer RERA on top of this: at least 70% of every rupee collected from buyers must sit in a project-specific escrow account with a scheduled bank. Withdrawals are governed by certified milestone approvals from an engineer, an architect, and a chartered accountant. Every project is effectively its own financial system, and most developers are running several of them at once.<\/p>\n\n\n\n

    The result is a treasury operation that is fragmented by design. The question is whether your tools are built for it.<\/p>\n\n\n\n\n\n