Does Makanify support Construction-Linked Payment Plans (CLP)?

Yes. CLP is one of the four supported plan types alongside subvention schemes, time-linked installments, and custom milestone-based plans. Configure your CLP milestones (e.g., 10% on booking, 10% on excavation, 15% on basement completion, etc) and Makanify tracks collections against each milestone. Demand letters auto-generate when milestones are reached.

Can I have multiple payment plans active for the same project?

Yes. A project can have multiple plans simultaneously: standard CLP, accelerated 3-month plan, easy installment plan, etc. Each plan has its own rate per square foot. Buyers select their plan at booking, and that plan's rate locks in for them.

How does the payment plan rate interact with the project base rate?

Each payment plan can have its own rate per square foot, which overrides the project base rate at booking. For example, project base is ₹8,500 per sq ft; the 3-month plan offers ₹8,200 per sq ft (discount for fast payment); the 24-month plan offers ₹8,800 per sq ft (premium for spread payment). The plan rate is the second level in the pricing override chain.

How are installment amounts calculated?

Total price equals plan rate per square foot times unit size. Down payment is the configured percentage or fixed amount. Balance equals total minus down payment. Per-installment amount equals balance divided by installment months. All math is computed automatically; the builder does not maintain Excel sheets.

Can I track collections across multiple projects?

Yes. The Dashboard surfaces total payment received and total payment receivable across all projects. The Sales Aging Report breaks down open collections by project, customer, and days overdue. Filter views by project for project-level visibility.

How are demand letters triggered by payment milestones?

Configure Payment Term rules in the Project, Payment Terms tab linking specific milestones (percentage received or fixed amount) to specific document templates. When a payment is received and the milestone is hit, Makanify auto-generates the linked document with live customer data and sends it on WhatsApp or email. No manual chasing.

Can I record offline payments (bank transfers, cheques) in Makanify?

Yes. Record payments manually as they are received: amount, date, payment method (bank transfer, cheque, cash, card), and bank account that received the payment. The payment immediately reflects in the customer's collection status, the unit's payment received total, and the project-wise summary.

Does Makanify integrate with payment gateways for online payments?

Payment gateway integration is on the roadmap. Today, payments are recorded manually as they are received via offline channels (bank transfer, cheque, cash), with the payment method and receiving bank account tagged on each record.

How does Makanify handle subvention schemes where the bank is involved?

Configure the subvention scheme as a custom payment plan with the relevant milestones (10% on booking, 80% from bank, 10% on possession). Track each milestone separately. The 80% bank disbursement is recorded against the booking when received from the bank. Builder interest accounting (where the builder pays interest on behalf of the buyer during construction) needs separate tracking through your accounting system.

Is payment plans and collections included in the Builder plan?

Yes. Payment plan configuration, collection tracking, sales aging reports, and milestone-triggered document automation are all included in the Builder plan at ₹1,000 per user per month, billed annually. The Broker and Channel Partner plan does not include the payment plan module because brokers and channel partners do not typically run construction-linked collections.

Sell + Operate

Indian real estate payment plans, automated end to end.

Construction-Linked Plans, subvention schemes, time-linked installments, custom milestone-based plans. Configure once. Apply to any project. Track collections in real time. Trigger demand letters automatically.

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Plans: CLP · Sub · TLI · Custom
Auto-math: Down · Installment
Trigger: Demand letter on milestone

CLP · Skyline A-1201

₹35,12,500 of ₹97,75,000 received

Demand letter · due

Booking
Received
Excavation
Received
Basement
Received
50%
1st slab
Due
75%
Top floor
Pending
100%
Possession
Pending

Plan types

The structures Indian builders actually use

Construction-Linked Plan

Tied to milestones from booking through possession. The default structure for under-construction Indian residential, with cash flow that follows your build progress.

Subvention scheme

Buyer pays a small share at booking, the bank funds the bulk during construction with builder-paid interest, and the balance lands at possession.

Time-linked installments

Equal monthly installments across two or three years. Common for commercial, plotting, and ready-for-possession inventory. Predictable cash flow.

Custom milestone-based

Builder-defined milestones for special launches and promotional plans. Configure once, apply to any project, lock the rate at booking.

What it covers

Payment plans + collections, end to end

From the moment the buyer books to the day the unit is registered, payment plans, collection tracking, and milestone documents all sit in one place.

Configure once per project

Plan name, project, rate per square foot, down payment share, and installment count. Set it up once and apply across new bookings.

Multiple plans per project

Standard CLP, accelerated payment, and easy installment can all be live at the same time. The buyer picks at booking and the rate locks.

Auto-calculated installments

Totals, balances, and per-installment amounts are computed in real time. No spreadsheets, no formula bugs, no last-minute corrections.

Plan rate overrides project rate

Plan rate locks at booking. The pricing override chain keeps your concessions, promotions, and CP-specific rates clean and auditable.

Real-time collection tracking

Total expected, received, and due, with pending milestones and last payment dates, live per customer and per unit. Always reconcilable.

Milestone-triggered demand letters

Hit a milestone and the demand letter generates and lands on the buyer's WhatsApp. Finance stops chasing. Sales stops apologising.

Worked example

Skyline A-1201 · 1,150 sq ft · three plan options

Plan	Total	Down	Per installment
Standard CLP	₹97,75,000	₹9,77,500	Tied to milestones
3-Month Plan	₹94,30,000	₹28,29,000	₹22,00,333 × 3
Easy Installment	₹1,01,20,000	₹5,06,000	₹4,00,583 × 24

Buyer chooses based on cash-flow preference. Each plan locks in its rate at booking. CRM tracks collections per the chosen plan automatically.

Three views

Collections tracking without spreadsheets

Per-unit collection

Total expected, received, and due, scoped to that specific unit and customer.

Per-customer collection

All bookings (a customer may own multiple units) with plan and status.

Per-project summary

Total received and total receivable across all customers for that project.

FAQs

Payment plan questions

Yes. CLP is one of the four supported plan types alongside subvention schemes, time-linked installments, and custom milestone-based plans. Configure your CLP milestones (e.g., 10% on booking, 10% on excavation, 15% on basement completion, etc) and Makanify tracks collections against each milestone. Demand letters auto-generate when milestones are reached.

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