If you're planning to buy a home near Sarjapur Road in 2025, one big question comes up: should you buy a ready-to-move home or choose an under-construction property? Both have their own pros and cons, and what works best depends on your timeline, budget, and future plans.

Sarjapur Road in East Bangalore is full of options—some homes are ready to live in right away, while others are still being built. Projects like Birla Evara in Kodathi Village are good examples of modern under-construction homes that offer future benefits. On the other hand, ready homes let you move in immediately and avoid waiting.

What Is a Ready-to-Move (RTM) Home?

A ready-to-move home is already built and has all the legal approvals. You can buy it and move in right away.

Pros of Ready Homes:

1. Move in Quickly: There's no waiting time. If you need a home now, this is the best choice.
2. No Surprises: You can visit the property, check the quality, layout, view, and see what you're buying.
3. No GST: You don't have to pay Goods and Services Tax if the project has an occupancy certificate.
4. Start Earning Rent: If you're an investor, you can rent it out right away and earn income. In 2025, rent for a 2BHK near Sarjapur Road can be ₹35,000–₹45,000 per month.
5. Good Location: RTM homes are usually in places with schools, hospitals, shops, and public transport already in place.
6. Faster Loan Process: Banks usually process loans quicker for ready homes.

Cons of Ready Homes:

1. More Expensive: They usually cost 10–20% more than under-construction homes in the same area.
2. No Customization: You can't change the layout or interiors.
3. Missed Appreciation: Since the home is already finished, you miss the chance to gain from price increases during construction.
4. Large Payment Needed: You might need to pay more money upfront.
5. Older Features: Some ready homes may not have the latest designs or smart features.

What Is an Under-Construction (UC) Home?

These homes are still being built and will be ready in 1–3 years, depending on the stage of construction.

Pros of Under-Construction Homes:

1. Lower Price: UC homes cost less. You get more space or better features for the same budget.
2. Price Growth Over Time: If you buy early, the price usually goes up as the project nears completion. Sarjapur Road prices went up by 63% in just three years.
3. Flexible Payment Plans: Builders let you pay in steps as the construction progresses.
4. Customize Your Home: You can sometimes choose your floor, unit, view, or even fittings.
5. Modern Amenities: New homes often include things like EV charging, smart locks, co-working spaces, and green building features. Projects like Birla Evara are good examples.
6. RERA Protection: Laws like RERA make sure builders stick to timelines and share updates.

Cons of Under-Construction Homes:

1. Project Delays: Even with rules, construction delays can still happen.
2. You Can't See It Yet: You have to wait to see the actual home and finishes.
3. You May Pay EMI + Rent: If you're renting, you'll have to pay both rent and loan EMI while waiting.
4. GST Applies: You have to pay 5% GST on UC homes (1% for affordable housing).
5. Market Risks: Prices can go down during the construction period due to outside factors.

What Works Best for You?

For People Who Need to Move Soon: Pick a Ready Home. It's faster, and you know exactly what you're getting. It also saves you from paying rent and EMI at the same time.

For People Looking for Long-Term Investment: Go for an Under-Construction Home. You pay less today, and the value will likely go up over time. Areas like Kodathi near Sarjapur Road are expected to grow due to metro lines and big roads like the PRR. Projects like Birla Evara are in these growth zones.

For First-Time Buyers on a Budget: UC Homes are easier on your pocket. You pay in steps, and the lower cost helps you enter the housing market.

For Those Who Want a Personalized Home: Only UC Homes give you the chance to make design choices. You can pick your unit, floor, and sometimes even modify layouts or interiors.

Why Sarjapur Road Is a Good Choice in 2025

1. IT Jobs & Growth: This area is home to many tech parks, so demand for housing stays high.
2. New Metro Line (Hebbal–Sarjapur): Travel will get faster once this is ready.
3. Peripheral Ring Road: This will connect the area better to other parts of the city.
4. Rental Income: Whether you buy to live or invest, the rental market is strong.
5. Reputed Builders: Projects by developers like Birla Estates offer better construction quality and on-time delivery.

Final Takeaway

There's no one right answer. Ready-to-move homes are great if you need to shift soon and want zero risk. Under-construction homes are better if you're planning for the future, want to save money, or personalize your space.

Both types are valuable. What matters is your goal.

If you want to live in a modern, well-connected community with future value, Birla Evara in Kodathi is a great example of how under-construction homes can offer smart benefits for 2025 buyers.