PlusFinance

Real Estate

Build lasting wealth through smart property investments

Real estate remains one of India's most trusted asset classes. We help you navigate the market — identifying the right properties, locations, and investment structures for your goals.

Investment Types

Residential Property

First home or investment flat — we help you evaluate location, builder, and pricing.

Commercial Property

Office spaces and retail units offering higher rental yields than residential.

REITs

Invest in real estate from ₹10,000 with SEBI-regulated Real Estate Investment Trusts.

Plots & Land

Strategic land banking in high-growth corridors for long-term appreciation.

NRI Investment

Guidance for NRIs investing in Indian real estate with full FEMA compliance.

Rental Yield Optimisation

Maximise your rental income with the right property and tenant strategy.

Our Approach

01

Goal Setting

Residence, rental income, or capital appreciation — we start with your objective.

02

Market Research

We analyse micro-markets, infrastructure projects, and price trends.

03

Due Diligence

Legal title checks, RERA verification, builder track record assessment.

04

Financing

Home loan advisory — best rates, structuring, and tax benefit optimisation.

05

Exit Strategy

We plan for the eventual sale to maximise post-tax returns.

A Worked Example

A ₹1.2Cr 2BHK in a growing suburban micro-market typically rents for ₹22,000-28,000/month — a gross rental yield of roughly 2.2-2.8%, before property tax, maintenance, and vacancy months are factored in. Against a home loan EMI of ~₹95,000 (at 8.5% over 20 years for an ₹90L loan), the rental income alone rarely covers the EMI, which is normal for Indian residential real estate and why we frame it as an appreciation play, not a yield play.

Compare that with an equal ₹1.2Cr allocated to a REIT: at a typical 6-7% distribution yield plus potential capital appreciation, it is materially more liquid, is SEBI-regulated, requires no maintenance or tenant management, and can be exited in days rather than months. We walk clients through this actual math — for their specific city and budget — before they commit to a purchase, not after.

Frequently Asked Questions

It depends heavily on the city, micro-market, and your goal — rental yield in most Indian cities is low (2-3%), so real estate here is usually better suited to long-term appreciation than income. We assess your specific market before recommending.

A REIT (Real Estate Investment Trust) lets you invest in commercial real estate from as little as ₹10,000-15,000, is SEBI-regulated, and is far more liquid than a physical property, which requires lakhs and can take months to sell.

At minimum: RERA registration, clear title deed, encumbrance certificate, approved building plan, and occupancy certificate for ready properties. We help you verify these before you commit funds.

Related Reading

Real Estate

REIT vs A Second Flat: I Ran The Numbers For A Client Who Wanted Both

A ₹92L flat in Baner nets about ₹1.9L a year in rent after costs. The same money in a listed REIT pays over ₹6L. Here's the full working, and what I told the client to do.

5 June 2026 · 7 min read
Real Estate

RERA Registration Check — What Actually Goes Wrong When People Skip It

A buyer paid ₹21L towards a ₹54L Ahmedabad flat that stalled in 2024. Every warning sign was on the public RERA portal before he paid a rupee. Here's what a ten-minute search would have shown.

12 April 2026 · 6 min read
Real Estate

NRI Real Estate: The FEMA-Side Detail That Trips Up Almost Everyone

The buyer of an NRI's ₹1.45Cr Gurgaon flat was required to withhold nearly ₹21.7L in tax — on a transaction where the actual tax owed was about ₹11L. The fix exists, but only if you file it before the sale deed.

16 March 2026 · 7 min read

Get Expert Real Estate Advice

Book a free consultation with Yatri Bhatt and get clarity on your real estate needs.