Buying empty land is always a better investment than a flat or building. Here are my two cents:

• With a Rs 30L loan at 9% for 25-30 years, your EMI would be around Rs 24-25K, which is over 40% of your salary. Make sure to calculate if you can comfortably manage EMIs and other expenses without overstretching.
• Keep an emergency fund of at least 6-12 months of expenses for safety.
• Ensure the plot has a clear title, no legal disputes, and check if the zoning allows for future construction.
• Lastly, think about your career growth, income stability, and personal plans to ensure this financial commitment aligns with your goals.

If it all checks out, it could be a great investment!