Bangalore guide
Budget split for an independent house
How a typical house construction budget splits across structure, finishes and services in Bangalore, with a worked example. Approximate shares for planning.
When you have a total construction budget, the next question is how it splits across the different works. This guide gives a typical breakdown for an independent house in Bangalore so you can plan and track spending. Percentages are approximate and vary with design and specification.
Quick answer: On a typical build, structure takes about 30 percent of the budget, finishes such as flooring, painting and joinery about 30 to 35 percent, and services such as electrical and plumbing about 18 percent. The rest goes to fittings, waterproofing and contingency.
Typical budget split by work
For a standard independent house, a common breakdown looks like this. The example applies each share to a ₹50 lakh construction budget.
| Work head | Share of budget | On a ₹50 L build |
|---|---|---|
| Foundation & RCC structure | ~30% | ~₹15 L |
| Masonry & plastering | ~12% | ~₹6 L |
| Flooring & tiling | ~10% | ~₹5 L |
| Doors, windows & joinery | ~12% | ~₹6 L |
| Electrical | ~9% | ~₹4.5 L |
| Plumbing & sanitary | ~9% | ~₹4.5 L |
| Painting & finishes | ~6% | ~₹3 L |
| Kitchen & bathroom fittings | ~7% | ~₹3.5 L |
| Waterproofing & contingency | ~5% | ~₹2.5 L |
What pushes the finishing budget up
- Premium tiles, marble or wooden flooring
- Modular kitchen and wardrobes
- Designer bathrooms and branded fittings
- Elevation cladding, false ceilings and feature lighting
- Home automation
Structure cost is relatively fixed for a given size. Most of your control over the final number sits in the finishing and fittings.
How to plan your split
- Start from a realistic total using the construction cost calculator
- Decide your finish level early, since it drives about a third of the budget
- Keep a 5 to 10 percent contingency
- Track spending against these heads as work progresses
How the budget splits also depends on the site. Rock along Kanakapura Road and levelling work on Sarjapur Road both move money into groundwork before a single wall goes up, as our area pages explain.
Frequently asked questions
How much of a house budget is the structure?
Roughly 30 percent for foundation and RCC structure on a typical independent house. It is fairly fixed for a given size.
How much goes to finishing?
About 30 to 35 percent across flooring, painting, joinery and fittings, and more if you choose premium materials.
How much contingency should I keep?
Keep 5 to 10 percent aside for changes, price movement and site surprises.