Free Compensation Calculator

Your builder owes you money. Find out how much.

Under RERA Section 18, builders must pay 10.85% interest per year on every rupee you paid — for every day they delayed your home. Calculate your compensation in 60 seconds. File your complaint today.

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All 28 states + 8 UTs

Ready-to-file letter ₹999

Calculate Your Compensation

Takes 60 seconds • 100% free to calculate

Your Name

Email Address

Project Name

Builder / Developer

State

Total Amount Paid (₹)

Promised Possession Date

Current / Actual Date

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We're on your side.

You worked hard for this home. Your builder broke their promise. The law gives you a right to compensation — and we're here to help you claim every rupee of it.

Your Compensation Estimate

Calculated under Section 18, RERA Act 2016 — at the legally prescribed rate of 10.85% p.a.

Total Compensation Owed

₹0

Calculated for —

Project —

Builder —

Delay Period —

Amount Paid —

RERA Authority —

Monthly Breakdown

Period	Principal	Interest Rate	Compensation

📌 Rate: 10.80% p.a. — SBI MCLR + 2%, the rate prescribed under Section 18 of the RERA Act, 2016. This is the minimum you're legally owed. The authority may also impose additional penalties on the builder at the hearing.

BEFORE THE REAL ESTATE REGULATORY AUTHORITY

STATE OF [STATE]

COMPLAINT NO.: ___/2024

IN THE MATTER OF:

[COMPLAINANT NAME], aged ___ years,

residing at [ADDRESS],

...Complainant

VERSUS

[BUILDER NAME],

having its registered office at [ADDRESS]

...Respondent

COMPLAINT UNDER SECTION 18 OF THE REAL ESTATE (REGULATION AND DEVELOPMENT) ACT, 2016

MOST RESPECTFULLY SHOWETH:

1. That the Complainant is a bonafide allottee of a residential unit in the project "[PROJECT NAME]" being developed by the Respondent...

2. That the Complainant has paid a total sum of ₹[AMOUNT] towards the said apartment as per the payment schedule...

3. That as per the Allotment Letter/Agreement, the Respondent was obligated to deliver possession by [PROMISED DATE]...

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Your Complaint Letter is Ready

Get a legally formatted, pre-filled RERA complaint letter + state-specific filing guide. Ready to sign and file directly on your state RERA portal.

🔐 Secure payment via Razorpay · Instant delivery to email · Step-by-step filing guide included

Digital product — delivered instantly. Not received? Email support@reracalc.in with your payment ID — we'll resend within 2 hours.

✅ What you get for ₹999: Ready-to-file complaint letter (pre-filled with your details) + State RERA filing guide with portal link + List of supporting documents needed + Email delivery within 2 minutes

Frequently Asked

Questions about RERA compensation

Is this compensation guaranteed?

The RERA Act gives you a legal right to claim interest for delayed possession. However, the final amount awarded depends on the RERA authority's order. Our calculator gives you an accurate estimate based on the statutory rate. Most homebuyers who file get close to the estimated amount.

What is the 10.85% interest rate based on?

Under RERA Section 18, the interest rate is linked to SBI's Marginal Cost of Funds Based Lending Rate (MCLR). Most states use SBI 3-year MCLR + 2% = 10.80% per annum (effective Jan 2026). Some states differ: Uttar Pradesh uses MCLR + 1% (9.80%), while Andhra Pradesh and Chhattisgarh use SBI's older Prime Lending Rate + 2% (~16.65%). Our calculator applies the correct rate for your state automatically.

Do I need a lawyer to file a RERA complaint?

No. RERA was specifically designed so homebuyers can file complaints themselves without a lawyer. The process is online, through your state's RERA portal. Our filing guide walks you through every step. Many homebuyers have successfully recovered compensation without legal representation.

How long does a RERA case take?

RERA authorities are mandated to dispose of complaints within 60 days. In practice, most cases are resolved within 60–120 days. This is significantly faster than civil courts (which can take years). Once an order is passed, builders typically comply or face further penalties.

What if my project is not RERA registered?

If your project was launched after RERA came into force (May 2017) and is above 500 sq metres or has more than 8 apartments, it must be RERA registered. Builders who sold without registering have actually violated RERA and face higher penalties. Our letter covers this scenario — you can still file a complaint and claim compensation plus penalties.

Can I claim for the full amount even if I paid in instalments?

Yes. The interest is calculated on the actual amounts paid and from the dates they were paid, not on the total agreement value. Our calculator accounts for this — if you've paid ₹40L out of a ₹60L flat, your compensation is on the ₹40L actually paid.

Your builder owes you money. Find out how much.

Your Compensation Estimate

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