Frequently asked questions

SmartInvest is a tech-based alternate investment platform based in Bangalore, India. It lets individual investors put money into specific, vetted opportunities through fractional ownership, instead of buying a whole asset outright. Each opportunity is listed with its details, so you can review it before deciding whether to invest.

Fractional ownership means several investors pool capital to fund a single opportunity and share in its returns in proportion to what each puts in. You get economic exposure to the asset without having to buy or manage it yourself. The details of each opportunity, including your share, are set out in its documents.

Register with your email address and a password, then confirm your email using the link we send. Once your email is verified you can browse opportunities. To invest, you also need to complete identity verification (KYC), which is a one-time step reviewed by our team before your account is approved.

Anyone who is at least 18 years old, completes KYC with a valid PAN and Aadhaar, and has an Indian bank account can invest. If you are an NRI, mention it during onboarding, and the team will confirm whether you can take part in a given opportunity.

You browse the opportunities, open one you like and submit a request through the I'm Interested form. The team then reviews your interest and contacts you to confirm availability, share the agreement and payment details, and complete the paperwork. You can follow each step on your dashboard, where the investment appears once it is recorded.

No, SmartInvest does not take payments through the website. After you submit a request, the team arranges the transfer directly with you, into the account named in your investment agreement. Check those details in the agreement before you pay, and contact support if anything looks different from what you were told.

There is no platform-wide minimum investment. Each opportunity sets its own minimum ticket size, which is shown clearly on that opportunity's listing page. Open the listing you are interested in to see the minimum for that opportunity before you submit a request, as it can differ from one opportunity to the next.

You need your PAN and your Aadhaar. You upload them once, and a reviewer checks them and approves your account before you can invest. If something is missing or unclear, you can resubmit. Bank details are collected separately by our team, only once you are ready to invest.

Yes, you can hold positions in several opportunities at once. Your dashboard shows them together with your overall portfolio value and estimated income, so you can see how your investments add up. Each opportunity has its own minimum ticket size, lock-in period and documents, which you review separately before investing.

Returns depend on the specific opportunity and prevailing market conditions, and they are not guaranteed. Asset values, income, demand and exit timing can all vary, and you could get back less than you invested. Read each opportunity's documents carefully, and consider the downside case as well as the expected one before you commit.

The main risks are falling asset markets, project delays or cost overruns, an income source lapsing or defaulting, and exits that take longer or happen at a lower value than expected. Your capital is also committed for the term, so it is not readily accessible. Read the opportunity documents and consider the downside case first.

Any fees that apply are set out in the documents of each opportunity, which you review before you commit. Fees can differ from one opportunity to another, so check the listing and the investment agreement for the specific costs. If anything about the costs is unclear, ask the team through the contact page before you invest.

The lock-in period is the minimum time your capital stays committed to an opportunity. Each opportunity has its own, shown on its listing, and it usually runs for the length of the investment term. Check it before you invest, because you should only commit money you can leave untouched for that whole period.

Generally no. Fractional investments are illiquid, and there is no marketplace to sell your position before the end of the term. Only invest money you can leave committed for the full lock-in period. Each opportunity's documents explain its intended holding period and how the exit is expected to work, so read them first.

Each opportunity states its intended holding period and how the exit is expected to happen. This is usually a sale of the underlying asset, with net proceeds distributed to investors in proportion to their share. Exit timing and value are targets, not guarantees, so read the opportunity's documents to understand what to expect.

Yes. Each opportunity is tied to a specific, identified asset. The listing and its documents describe the asset, the ownership structure, and what rights you hold as an investor. Read these before you invest, and contact the team through the contact page if you want anything about the asset or structure explained.

Your identity documents and bank details are collected only to verify you and to prepare your investment agreement. Access is limited to the team members who process verification and investments. For the full details of what we collect and how we protect it, read our Privacy Policy before you register or upload any documents.

You track them on your dashboard. It lists every recorded investment with the amount, the opportunity, its status and an estimate of the income it generates, along with your total portfolio value. A new investment appears there once the team has recorded it, so you can follow each step from request to completion.

Email support@smartinvest.co.in or call +91 89718 29378. You can also reach us through our contact page, or the channels shown in your investor dashboard once you have an account.