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January 07, 2026
You know what frustrates people the most? Not knowing where their money goes. It just... disappears. Lakhs and lakhs are spent, but what exactly? At JSW One Homes, we're obsessive about transparency. Not because we're saints, but because we've seen too many families get burned by vague estimates and hidden costs. So, here's where every rupee goes.
The Foundation and Structure (40-50% of Your Budget)
These are the bones of your home - literally what keeps it standing. You're looking at ₹800–₹1,500 per sq ft for:
Here's something important: We always do soil testing first. Costs ₹10,000-25,000, and some people balk at it. But here's the thing - without it, your architect is just guessing. Over-engineer the foundation, you waste ₹2 lakhs. Under-engineer? You risk your family's safety. That ₹15,000 soil test is the smartest money you'll spend. Oh, and we use JSW TMT steel and JSW Cement. Not because we must push JSW products, but because we know exactly what you're getting - certified, consistent, no substitutions when the contractor thinks you're not looking.
Making It Feel Like Home: Finishes (30-40% of Budget)
This is where your house transforms into a home. Where personality comes in. And honestly, where costs can vary wildly based on your choices.
If You're Budget-Conscious (₹500–₹1,000 per sq ft):
If You Want Something Nicer (₹1,000–₹1,500 per sq ft):
If You're Going Premium (₹1,500–₹3,000+ per sq ft):
Now here's something cool: Because we work with all these brands - Kajaria, Somany, Johnson, Jaquar, Kohler, TOTO, Cera, Fenesta, Astral, Polycab, Homelane - you get them at discounted prices. Not huge discounts, but every ₹50,000 saved is ₹50,000 that stays in your pocket.
The Invisible Stuff: Systems and Wiring (10-15% of Budget)
Nobody gets excited about electrical wiring and plumbing. Until something goes wrong. Then you care a LOT. Here's what you're paying for:
We don't cut corners here. Every material comes with test certificates. Every installation is inspected. Because fixing electrical or plumbing issues after the walls are up? That's a nightmare you don't want.
The Stuff Others "Forget" to Mention
This is where a lot of contractors get you. They give you a price; you say yes, then suddenly there are all these "extras." We put it all upfront:
Professional Fees:
The Government Stuff:
The Safety Net:
That last one? People think we're being pessimistic. But here's the reality: In all our years building homes, we've found unexpected rock during excavation, dealt with monsoon delays, discovered old wells nobody knew about, handled material shortages during festivals... stuff happens. The families who budgeted that 10-12% extra? They finished their homes stress-free, on budget. The ones who didn't? They had to make painful choices mid-construction or go back to the bank for more money.
What Actually Drives Your Costs (And What You Can Control)
Materials: Quality You Can Count On
Materials eat up to 45-50% of your budget. This is where the JSW One Homes approach really makes a difference. When you build with us, you get:
Why does this matter? Because we're part of the JSW Group-₹22,000 crore company that's been in steel and cement for decades. We're not buying from middlemen. We're going straight to the source. You get the quality; we cut out the markup and uncertainty. And here's a pro tip: locally sourced materials like sand, aggregates, and bricks can cut costs by 15-20%. We optimize this in each city-Bangalore suppliers for Bangalore projects, Chennai suppliers for Chennai homes. Shorter distances, fresher materials, less cost.
Labor: The Human Element
Labor now costs 30-50% of your total budget. And here's the thing about labor-it's unpredictable when you're managing it yourself. What Workers Actually Cost:
The Reality of Self-Managing: You're trying to find reliable contractors, make sure workers show up, check if they're doing quality work, settle disputes between them, coordinate electricians, plumbers, painters, etc., prevent materials from "walking away," navigate approval processes on your own. Most people we meet are exhausted just from this list.
Your Plot and Location
Site Challenges We've Seen:
Some plots are plug-and-play. Others... not so much:
That Soil Test We Keep Mentioning?
₹10,000-25,000 investment that either:
Saves you ₹2 lakhs by right sizing the foundation
Prevents ₹5-10 lakhs in structural repairs down the road
We literally won't proceed without it. Not because we're difficult, but because we've seen what happens when people skip it.
Design Choices That Save Money (Without Looking Cheap)
Ready for your detailed cost sheet? Share your plot details with JSW One Homes for a line-by-line breakdown tailored to your vision.