What your estimate is actually telling you
The ten-phase split follows how money actually leaves a bank account during a build. Once those proportions are visible, you can talk to a contractor on day one instead of nine months later, when the budget is already off track.
Timeline matters as much as the rupee total. A 1,000 sq ft G+1 house needs a different payment schedule, longer site supervision, and finish decisions that compound over months. The estimate includes duration so you can plan in stages, not as one lump sum.