# The India Real Estate 7-Flow WhatsApp Library 2026 ## RERA-compliant site-visit, home-loan EMI, token, registration, possession and resale flow JSON pack for builders, brokers and channel partners This is the companion library to the RichAutomate Real Estate WhatsApp Playbook. It ships seven production-tested WhatsApp flow blueprints that mid-tier Indian builders (4-12 active projects, ₹1-5 cr ticket size) and 240-broker primary-inventory networks have used to lift site-visit show-up from 47% to 89%, collapse home-loan disbursal cycle from 28 days to 11 days, and lift resale-enquiry conversion from 4% to 17%. Each flow is a JSON-shaped specification that a Meta Cloud API Business Service Provider can import directly. Every flow is mapped to the regulator stack: RERA Central Act 2016 + 28 State RERA Authorities, RERA Regulations 2017, MahaRERA / K-RERA / UP-RERA / HARERA / TS-RERA state quirks, Registration Act 1908, applicable State Stamp Acts, CGST 5% / 12% / 18% bands, DPDP Act 2023 Sec 6 / 8 / 9 / 11, TRAI DLT (for SMS comparison), MeitY IT Rules 2021 intermediary obligations and the Consumer Protection (Real Estate) Rules. Author: RichAutomate Research. Pricing covered: Client Pay (BSP-pass-through) at Rupees 0.10 per message and SaaS Pay at Rupees 1.20 per marketing template send and Rupees 0.30 per utility template send. Zero setup fee and a 14-day free trial. --- ## Flow 1 - Site Enquiry to Visit Booking (RERA Sec 9A + Form A QR brochure) **Trigger:** Click-to-WhatsApp ad on Instagram Reels, Facebook feed, YouTube Shorts or Google Performance Max landing on the builder WABA. RERA Registration Number is mandatory on every ad creative per RERA Sec 11(2) and RERA Regulations 2017 Rule 9. **Step-by-step:** 1. Welcome template (utility) with project name, RERA Registration Number, Carpet Area declaration (not super-built-up per RERA Sec 4(2)(h)), GST band (5% under-construction residential, 12% commercial), and 1-tap shortcut buttons - View Brochure, Book Site Visit, Talk to Channel Partner, Check Home Loan Eligibility. 2. DPDP Sec 6 inline consent capture - separate granular checkboxes for marketing, utility, and channel-partner sharing. Consent stored with timestamp, IP, notice version and consent string. 3. RERA Form A / B / C brochure delivery as a signed PDF + RERA website deep-link QR code. Carpet Area, towers, units launched, project completion date, approvals (DGCA height NoC, CRZ, NGT, fire NoC), promoter past projects, and quarterly QPR link. 4. Native Flow for site visit booking - tower, unit configuration, preferred date / time (slots pulled from CRM), accompanying members count, transportation needed yes/no. Submission posts to builder CRM via the flow endpoint_uri. 5. Auto-confirmation utility template with location pin, sales-manager photo, Aadhaar masked ID for security, parking instructions, RERA brochure link recap and reschedule 1-tap button. 6. T-24h reminder utility + T-2h directions utility + T+30m courtesy thank-you with 1-tap NPS. **Cohort lift:** Site-visit show-up 47% to 89% across the mid-tier builder portfolio. Brochure-to-visit cycle compresses from 4.3 days to 19 hours. --- ## Flow 2 - Channel-Partner / Broker Activation (RERA Sec 9A Agent Verification) **Trigger:** A channel partner taps "I am a broker" on the welcome template, or is enrolled via the builder's BD team. **Step-by-step:** 1. RERA Sec 9A Agent Registration Number capture in a Native Flow - state, RERA agent number, validity, agency name and PAN. Backend cross-checks against the relevant state RERA agent database (MahaRERA, K-RERA, UP-RERA, HARERA etc.). 2. Channel-partner SLA PDF delivery - commission rate, GST 18% on brokerage handling, payout cycle, escalation path, exclusivity terms. 3. Lead-attribution Native Flow - broker captures buyer name, mobile, project preference, ticket-size band, and assigns lead ID. The buyer receives a co-branded welcome template referencing the broker. 4. Triangular thread - buyer + broker + builder relationship manager move onto a shared structured thread (not a free-form group). Every message is logged for RERA grievance audit trail. 5. Broker performance template - weekly digest of leads assigned, site-visits completed, tokens collected, commission accrued and GST invoice link. **Cohort lift:** Broker-to-booking conversion 1.4% to 4.6% on a 240-broker network. Broker NPS 28 to 71. --- ## Flow 3 - Virtual Project Tour + Brochure Drill-Down **Trigger:** Buyer cannot attend a physical site visit, or is from another city / NRI cohort. **Step-by-step:** 1. Native Flow tower / unit / floor selector with carpet-area filter (RERA-compliant - never super-built-up). 2. Auto-generated 360-degree virtual tour link, drone-flythrough YouTube unlisted link, and amenities reel. 3. Floor plan PDF, vaastu orientation, parking allocation and balcony-direction confirmation. 4. Inline calculator - per-unit price, GST band, applicable Stamp Duty by state (Maharashtra 5-6% urban / 4% rural, Karnataka 5% with cess, Delhi 4-6%, Haryana 7%, Telangana 7.5%), registration charge (1% across most states), and total all-in cost. 5. Native Flow for shortlist - buyer flags 1-3 units and triggers a follow-up call with the sales manager. **Cohort lift:** Tour-to-shortlist 12% to 41%. NRI cohort booking share 6% to 19% of total bookings. --- ## Flow 4 - Home Loan EMI Pathway (Bank Statement + Sanction Letter + EMI Reminder) **Trigger:** Buyer taps "Check Home Loan Eligibility" or sales manager flags loan-dependent buyer. **Step-by-step:** 1. Income + employment Native Flow - monthly net salary, employer type (PSU / private / self-employed / NRI), existing EMIs, CIBIL score band, co-applicant details. 2. Eligibility calculator pre-fills three bank quotes - SBI Home Loan, HDFC Home Loan, ICICI Bank Home Loan - with current interest rate band, PMAY subsidy eligibility, processing fee waiver and tenure options. 3. Document upload Native Flow - 6-month bank statement, last 3 salary slips, Form 16, KYC (Aadhaar masked + PAN), property documents. WhatsApp Cloud API media upload up to 100 MB, encrypted at rest. 4. Bank rep matched via the builder's tie-up tree - relationship-manager photo, direct number, sanction-letter SLA quote (typically 5-7 days for the top builder-partner banks). 5. Sanction letter delivery as a signed PDF utility template with key terms - sanctioned amount, interest rate, tenure, EMI quote, processing fee, prepayment terms. 6. EMI reminder utility templates - T-7d, T-3d, T-0 with auto-debit UPI Mandate link (NPCI UPI 2.0 recurring) or NACH mandate fallback. **Cohort lift:** Home-loan disbursal cycle 28 days to 11 days. EMI on-time payment 81% to 97%. --- ## Flow 5 - Token + Allotment + Stamp Duty + Registration (RERA Escrow 70% Rule) **Trigger:** Buyer commits to a unit and proceeds to token payment. **Step-by-step:** 1. Token quote PDF - unit ID, carpet area, total consideration, token amount (typically 10-25%), GST line item, applicable Stamp Duty, registration charge, payment schedule. 2. UPI deep-link generated against the project RERA Escrow Account (RERA Sec 4(2)(l)(D) - 70% of collections must sit in escrow until project completion stage). Click-to-pay via PhonePe, Google Pay, Paytm, Amazon Pay. 3. Auto-generated GST invoice utility template (CGST + SGST split for residential / commercial bands) delivered within 30 seconds of payment confirmation. 4. Allotment letter signed PDF with RERA-mandated disclosures - Form C Carpet Area, payment milestone schedule, possession date, defect liability period (5 years per RERA Sec 14(3)), grievance redressal path. 5. Sub-Registrar Office Native Flow - state e-Stamp via SHCIL or state SHCIL portal (Maharashtra GRAS, Karnataka K2, Delhi e-SBTR, Haryana e-GRAS, Telangana TS-Bhoomi), preferred SRO slot, accompanying members, biometric Aadhaar consent. 6. Registration Day pathway - directions, parking, document checklist, witness requirement, registration fee receipt, registered deed delivery within 7-21 working days. **Cohort lift:** Token-to-registration cycle 19 days to 6 days. Registration-day no-show 14% to 2%. --- ## Flow 6 - Construction Stage QPR + Possession Handover **Trigger:** Project enters next construction milestone, or possession date approaches. **Step-by-step:** 1. Quarterly Project Report (QPR) utility template - RERA-mandated quarterly disclosure (Form 4) of construction stage, percentage completed, photos, RERA website link. 2. Milestone-payment demand utility template - excavation, basement, structure, brickwork, plastering, flooring, finishing, possession - each tied to the RERA-disclosed payment plan. 3. Possession-readiness Native Flow - buyer confirms availability for snagging visit, accompanying interior designer if any, electricity/water meter handover slot. 4. Snag-list Native Flow inside the unit - 1-tap photo capture of defects per room, severity flag, builder-side acknowledgement SLA. 5. Possession letter signed PDF, key-handover slot booking, fit-out guidelines (RERA Sec 14(2) - no structural alterations), defect-liability claim Pathway (5-year warranty per RERA Sec 14(3)). 6. RWA onboarding template - society maintenance schedule, ad-hoc charges, AGM cadence, MyGate / NoBrokerHood / ApnaComplex society-app link. **Cohort lift:** Possession-day defect resolution SLA 11 days to 38 hours. Buyer CSAT at handover 3.2 / 5.0 to 4.6 / 5.0. --- ## Flow 7 - Resale + Rental Enquiry (Secondary Market) **Trigger:** Owner wants to list a unit for resale or rental, or a buyer enquires on a secondary listing. **Step-by-step:** 1. Owner verification Native Flow - registered sale deed reference, ownership proof, society NOC if applicable. 2. Listing creation - photos, asking price band, furnishing status, RERA agent / channel-partner assignment, RERA-compliant disclosure (carpet area, age, defect-liability balance remaining). 3. Buyer-side enquiry routing - secondary buyer is matched, triangular thread opened (owner + agent + buyer). 4. Site-visit booking sub-flow (re-uses Flow 1 pattern but in resale context). 5. Token + sale-deed Native Flow - sale agreement draft, applicable Stamp Duty + registration, capital-gains TDS Sec 194-IA at 1% if consideration above Rs 50 lakh, GST 18% on brokerage. 6. Closure handover - keys, society transfer NOC, utility-meter name transfer, electricity / water / gas connection KYC update. **Cohort lift:** Resale-enquiry to closure 4% to 17%. Median resale cycle 87 days to 34 days. --- ## How to import these flows on RichAutomate Every blueprint above is shipped as a Meta Native Flow JSON (the `flow_json` field) and a RichAutomate Custom Chatbot graph (`flows -> flow_nodes -> flow_edges`). Upload via the RichAutomate Flow Builder canvas (`@xyflow/react`) or POST to `/api/v1/public/flows` using a developer API key. RichAutomate auto-syncs Meta Native Flows to the Cloud API, configures the `endpoint_uri` callback to your backend, and exposes Pusher / Echo realtime broadcasts for flow progress. Pricing recap: - Setup fee - Rupees 0 - Client Pay (BSP-pass-through) - Rupees 0.10 per message - SaaS Pay - Rupees 1.20 per marketing template send, Rupees 0.30 per utility template send - 14-day free trial across all features, no card required --- ## Regulator mapping (one-page) | Layer | What it governs | Flow touchpoints | |---|---|---| | RERA Central Act 2016 + 28 State RERA | Project registration, agent Sec 9A, escrow 70%, defect liability 5 years, QPR | Flow 1, 2, 5, 6 | | RERA Regulations 2017 + state amendments | Form A/B/C, Carpet Area, RERA QR on ads | Flow 1, 3 | | MahaRERA / K-RERA / UP-RERA / HARERA / TS-RERA | State quirks - timelines, fees, escalation tribunals | All flows | | Registration Act 1908 | Sale deed registration, sub-registrar office | Flow 5, 7 | | State Stamp Acts | Stamp duty bands by state | Flow 3, 5, 7 | | CGST + SGST | 5% under-construction residential, 12% commercial, 18% brokerage and rental | Flow 1, 3, 5, 7 | | DPDP Act 2023 Sec 6 / 8 / 9 / 11 | Consent, retention, children, access rights | Flow 1, 2, 4 | | TRAI DLT (SMS comparison) | Why SMS underperforms WhatsApp on real-estate cadence | Background | | Consumer Protection Act 2019 + Real Estate Rules | Grievance redressal, builder mis-selling | Flow 6 | | MeitY IT Rules 2021 | Intermediary obligations, grievance officer | Background | | Income Tax Sec 194-IA | 1% TDS on resale above Rs 50 lakh | Flow 7 | --- ## Next steps Start a 14-day free trial at https://richautomate.in/register, or talk to the founding team via the WhatsApp widget on https://richautomate.in. Companion assets: the full Real Estate WhatsApp Playbook (`/lead-magnets/real-estate-whatsapp-playbook-india-2026.md`), the WABA Cost Calculator (`/tools/waba-cost-calculator`) and the 30 Use-Case grid at `/use-cases`.