Frequently asked questions

SmartInvest is a real-estate investment platform based in Bangalore, India. It lets individual investors put money into specific, vetted property opportunities through fractional ownership, instead of buying a whole property outright.

Several investors pool capital to fund a single real-estate opportunity and share in its returns in proportion to what each puts in. You get economic exposure to the property without having to buy or manage it yourself.

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).

You need to be at least 18 years old, complete KYC with a valid PAN and Aadhaar, and have an Indian bank account. If you are an NRI, mention it during onboarding and the team will confirm whether you can take part in a given opportunity.

Browse the opportunities, open one you're interested in, and submit a request through the I'm Interested form. The team then contacts you — usually within 24 hours — to confirm availability, share the agreement and payment details, and complete the paperwork. Your investment appears in your dashboard 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.

There is no platform-wide minimum. Each opportunity sets its own minimum ticket size, which is shown on the listing.

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

Yes. You can hold positions in several opportunities at once, and your dashboard shows them together with your overall portfolio value and estimated income.

Each opportunity shows a projected annual return based on the assumptions for that specific property — a mix of rental income and expected appreciation. Projections are estimates, not commitments, and actual returns vary.

No. Returns are not guaranteed. Property values, rents, demand and exit timing can all move against the projections, and you could get back less than you invested.

It depends on the opportunity. Some pay rental income periodically during the term; for others the return is realised only when the asset is sold at the end of the term. The payout approach is stated on each listing.

Property markets can fall; a project can be delayed or cost more than planned; a tenant can leave or default; an exit can take longer or happen at a lower value than expected; and your capital is committed for the term, so it is not readily accessible. Read the opportunity documents and consider the downside case before investing.

Any fees that apply to an opportunity are set out in that opportunity’s documents, which you review before you commit. Check the listing and agreement for the specific costs.

Each opportunity has its own lock-in period — the minimum time your capital is committed — shown on the listing. It usually runs for the length of the investment term.

Fractional real-estate investments are illiquid. There is no marketplace to sell your position before the end of the term, so only invest money you can leave committed for the full lock-in period.

Each opportunity states its intended holding period and how the exit is expected to happen — usually a sale of the underlying property, with net proceeds distributed to investors in proportion to their share. Exit timing and value are targets, not guarantees.

SmartInvest opportunities are private investments. They are not regulated as a REIT and are not registered with SEBI, so there is less external oversight than with a listed instrument. The opportunity documents and your own due diligence matter.

Yes. Each opportunity is tied to a specific, identified property. The listing and its documents describe the property, the ownership structure, and what rights you hold.

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.

Your dashboard lists every recorded investment — the amount, the opportunity, its status, and an estimate of the income it generates — along with your total portfolio value.

Use the contact page on the site, or the channels shown in your investor dashboard once you have an account.