Bharat Infra Yojana’s Financial Revolution: Reversing the Traditional Real Estate Pricing Logic

June 2025 | National Housing Chronicle

New Delhi, India – In a bold departure from the developer-first approach that has long dominated the Indian real estate industry, Bharat Infra Yojana (BIY) has unveiled a Structured Financial Framework that places homebuyer affordability and welfare at the center of property pricing. This breakthrough is not just an innovation—it is a paradigm shift.

From Developer-Led Pricing to Buyer-Driven Affordability

For decades, real estate pricing in India has followed a one-sided equation: developers set the price, and buyers stretch, negotiate, or walk away. This model has led to an inflated market, unsold inventories, and growing disillusionment among middle-class families who feel permanently priced out of homeownership.

Bharat Infra Yojana flips this equation.

“Instead of showing homes based on what’s available, we match homes to what people can truly afford—using data, AI, and demand aggregation,” says Mr. Nishant Kashyap, Co-founder of BIY and the architect behind its AI-powered financial framework.

The Structured Financial Framework – Explained

At the core of this reversal is a simple yet radical principle:

“Price the property from the buyer’s wallet—not the builder’s balance sheet.”

Here’s how the framework works:

Start with the Buyer’s Budget

Using AI-based profiling, BIY analyzes:

• Current rent payments

• Income vs. EMI capacity

• Loan eligibility and repayment ability

• Down payment readiness

• Timeline for possession

This yields a personal affordability band for each buyer.

Aggregate Demand in That Band

Instead of random listings, BIY creates clusters of buyers with similar affordability (e.g., ₹22–30 lakh). This consolidated demand becomes negotiation leverage.

Negotiate Reverse Price from Developers

Developers are shown pre-qualified clusters. Instead of “selling,” they are invited to match buyer budgets in exchange for:

• Bulk bookings

• Reduced marketing costs

• Faster cash flow

• Lower inventory risk

Add Social Value to Increase Net Affordability

BIY further enhances affordability with built-in welfare:

• Free First-Aid Healthcare Center in housing clusters

• Senior Citizen Medical Waivers

• Zero Society Maintenance for Teachers/Doctors/Defence Personnel

• Online Expo + EOI-based Booking = No brokerage or middlemen

The Result: A Reverse-Pricing Revolution

Traditional Model	BIY’s Reverse Pricing
Developer sets price	Buyer affordability sets price
Home shown first	Budget matched first
High margins, low velocity	Lower margins, bulk deals
Buyer pays brokerage	Buyer pays zero channel fee
Long sales cycles	Fast cluster absorption

“We’re not just offering homes; we’re correcting an unfair market,” says Mr. Kashyap. “In an era where everything is customized—ads, content, food—why not homes?”

Is It Working?

Yes. BIY has already negotiated group discounts of up to 18% in major cities like Pune, reducing ticket prices from ₹60L to ₹49L for buyers who otherwise would have stayed tenants.

Even top-tier developers are coming onboard, recognizing the power of buyer intelligence and demand predictability that BIY brings to the table.

A National Movement, Not Just a Marketplace

Bharat Infra Yojana isn’t just a platform—it’s a public movement for inclusive housing. It aligns with the UN Sustainable Development Goals, and empowers Indians—especially middle-class families, professionals, and senior citizens—to own homes without financial fear.

BIY’s Structured Financial Framework may very well be the blueprint for how real estate works in the future: transparent, data-driven, and buyer-first.