Finding the right property
We start from your budget, commute and school run rather than from whatever we happen to be listing. Expect a shortlist of four, not forty.
Browse listingsTrusted Property Partner
The property is only as good as the paperwork behind it.
Dharma Realtors works a deliberately short list across three cities. Every home, office and plot we show you has had its title read, its RERA number matched to the specific wing, and its price checked against what the same building actually registered last quarter.
16+Years in practice
3Cities covered
2,500+Deals closed
Tell us what you need
Give us the shape of it and a consultant comes back with a shortlist — including the off-market files that never reach a portal.
Rather just talk? +91 98251 47104
Registered channel partner across Gujarat and Maharashtra
On our books right now
Twelve files open across three cities.
Each card carries the file ID, the date we last physically checked the property and how many site visits it has taken. If a line looks stale, it is — call us and we will tell you why.
What we handle
The whole file, not just the introduction.
Most agencies stop at the viewing. We stay on until the registry is stamped and the keys change hands — and afterwards, if you want the place managed.
Valuation you can defend
A written valuation built on registered sale deeds in the same society, not on asking prices. Useful for a bank, a buyer or a family settlement.
Request a valuationPaperwork and registration
Title search, encumbrance certificate, sale deed drafting, stamp duty calculation and the sub-registrar appointment. We sit with you on the day.
Ask about documentsRental and property management
Tenant screening, agreement drafting, police verification, rent collection and a quarterly condition report — for owners who live in another city.
Hand over a propertyCross-city investment advice
Where the corridors are actually going in each of our three cities, which have absorbed their supply, and which launches are worth the wait. Plain numbers.
Talk strategyHome loan coordination
We put your file in front of the banks that actually lend on that building, and chase the sanction so you are not the one on hold.
Estimate your EMI16+Years in practice
5,000+Families served
2,500+Deals closed
50+Projects represented
Every listing checked in personNo file goes live on a photograph alone
Why the name
Dharma is a standard to be held to, not a slogan.
We put it on the door because a property transaction is one of the few times a family hands a stranger everything they have saved. The only useful response to that is to behave as though you will see them again — which, in three cities where most of our work arrives by referral, we will.
- We will tell you what is wrong with it. Water pressure on the top floors, the society dispute, the road widening that will take the front setback.
- One consultant owns your file. Not a call centre, not a rotating desk. The person who shows you the property is the person at the sub-registrar with you.
- Your number stays with us. We do not sell enquiry data, and we do not pass it to six builders who will each call you twice.
- Brokerage agreed in writing, up front. Before the first viewing, so nothing gets renegotiated at the token stage.
How a purchase runs
Four stages, and you always know which one you are in.
1
Requirement call
Twenty minutes on budget, city, loan eligibility and timing. We are honest early if the budget and the area do not meet.
2
Shortlist and viewings
Four to six properties that genuinely fit, viewed in one or two trips. You get the file notes before you walk in, not after.
3
Negotiation and checks
We negotiate on registered comparables, then run the title search and encumbrance certificate before any token is paid.
4
Registration and handover
Sale deed drafted, stamp duty computed, sub-registrar slot booked. We are in the room, and we do the society transfer afterwards.
Before you talk to a bank
Work out what the monthly number actually looks like.
Move the sliders to see the EMI, the total interest and what you will have repaid by the end. It is the same formula every bank uses — no sign-up, and nothing is sent anywhere.
- Most lenders will approve an EMI up to roughly 50% of your take-home pay.
- Budget 7–8% on top of the price for stamp duty, registration and society charges. Gujarat and Maharashtra differ — ask us for the exact figure.
- Banks lend against their own valuation, which can sit below the asking price.
₹43,391
Monthly EMI
₹54.14 LakhTotal interest
₹1.04 CrTotal repayment
Indicative only. Your sanctioned rate depends on the lender, your credit profile and the property.
In their words
What clients say once the keys have changed hands.
They talked us out of the first flat we loved. The society had an ongoing water dispute they knew about and told us before we paid a token. We bought two floors up in the same area three weeks later and have never regretted the delay.
Nirav P.3 BHK · Vesu, Surat
I moved from Surat to Mumbai for work and they handled both ends — sold the Surat flat and found the Powai one, with the same person on the phone throughout. Not having to explain my situation twice was worth the fee on its own.
Rakesh S.Sale + purchase · Surat to Mumbai
First-time buyers, and the loan file was the part that frightened us. They knew which two banks lend on that building and pushed the sanction through in eleven days. The brokerage was written down before the first viewing.
Krupa D.3 BHK · SG Highway, Ahmedabad
Before you call
The questions we get every week.
What do you charge a buyer?
On a resale purchase the standard brokerage is 1% of the transaction value from each side, agreed in writing before the first viewing. On a new-launch booking with a developer we represent, the developer pays us and you pay nothing. We tell you which of the two applies before you see anything.
You cover three cities — is it the same team?
Same firm, same standards, one consultant assigned to you regardless of which city the property is in. Surat is our head office; Mumbai and Ahmedabad operate from associate offices with our own people. If you are buying in one city and selling in another, that stays a single file with a single point of contact.
Do you handle the legal work or do I need my own lawyer?
We run the title search, pull a fresh encumbrance certificate, draft the sale deed and compute the stamp duty in-house, and we are with you at the sub-registrar. You are always free to have your own advocate review the draft, and we would rather you did on anything above a couple of crore.
Can you help if I am buying from outside India?
Yes. We handle NRI purchases regularly — power of attorney drafting, the repatriation and TDS position, and video walkthroughs of every shortlisted property. Registration can be completed on a properly executed PoA without you flying in.
How current are the listings on this site?
Each card carries the date we last checked the property in person. If that date is more than three weeks old, treat the price as indicative and call us — in a moving market the asking price shifts faster than a website does.
Will my number be passed to builders?
No. Your enquiry goes to one consultant here. We do not sell lead data and we do not forward your number to developers without asking you first, on that specific project.
Send us the requirement. We will do the looking.
Tell us the budget, the city and when you need to move. A consultant comes back within one working day with a shortlist worth your Saturday.