Ramakant Thinks

  For decades, property ownership in India meant saving for years, arranging a hefty down payment, and signing a long-term loan. Fractional real-estate platforms now dangle an intriguing middle path: instead of buying an entire flat or office, investors purchase digital units representing a small share of a professionally managed building. With entry tickets sometimes under ₹25,000, the model opens doors once barred by soaring city prices. Younger professionals can acquire their first taste of bricks and mortar while continuing to live in a rented apartment closer to the office, and retired savers diversify beyond traditional fixed deposits without becoming hands-on landlords. How the Model Works Each platform identifies a commercial or residential property with predictable rental income and clear legal titles. After due diligence, the asset is transferred to a special-purpose vehicle, which issues fractional units to investors. Rent flows into the SPV, covering maintenance and man...