FAQ's
1. Investment & Ownership
Q: Can I start investing with a small amount?
A: Absolutely! At OhyaInvestment, you can start your fractional real estate journey with as little as ₹10,000, equivalent to 1 square yard of a company-owned property.
Q: Will I get physical possession or ownership of the property?
A: No, with OhyaInvestment, you don’t get physical possession or legal ownership of the property. Think of it as owning a share of the profits, not the property itself. We own and manage the properties, while you earn annual returns of 18% to 24% on your investment.
Q: Can multiple people invest in the same property?
A: Yes, that’s the beauty of fractional investing! Multiple investors can pool their funds into the same company-owned property, each owning a virtual fraction. This shared model makes high-value real estate accessible to everyone.
Q: What exactly am I investing in?
A: You’re investing in a virtual fraction of a company-owned property managed by OhyaInvestment. Your investment entitles you to annual returns (18-24%) based on the property’s performance, but not to any ownership rights, title, or possession of the land itself.
2. Legal & Documentation
Q: What documents will I receive after investing?
A: Upon investing, you’ll receive a digitally signed Investment Agreement in PDF format, detailing your name, investment amount, property details, return slabs, lock-in period, and key terms. This agreement is auto-downloaded after you click “Invest Now”.
Q: Do I need to register the property in my name?
A: No, you don’t need to register the property. Since OhyaInvestment owns and manages the properties, there’s no transfer of title or ownership to you. We handle all legal formalities, so you can focus on earning returns without the paperwork hassle.
Q: Is this investment RERA-approved?
A: OhyaInvestment operates a unique model where we own the properties, and you invest in virtual fractions for returns, not ownership. Since there’s no transfer of property title to investors, RERA (Real Estate Regulatory Authority) registration isn’t applicable to your investment. However, our properties comply with all necessary legal and regulatory requirements.
3. Returns & Selling
Q: Can I earn rental income or resell my investment?
A: don’t earn rental income directly, as OhyaInvestment manages the properties and their revenue. Instead, you receive annual returns of 18% (after 12 months) or 24% (after 2+ years), credited directly to your bank account. You can withdraw your investment after the 6-month lock-in period, subject to pre-closure charges (5% before 6 months, 3% between 6-12 months).
Q: How can I sell or withdraw my investment?
A: You can request a withdrawal anytime after the 6-month lock-in period via your User Login portal. Funds will be credited to your registered bank account within 4-5 business days, subject to KYC verification and liquidity availability. Early withdrawals before 6 months incur a 5% pre-closure charge with 0% return, and between 6-12 months, a 3% charge with a 7.5% return.
Q: How long does it take to get returns on my investment?
A: Returns are credited annually to your bank account. If you stay invested for 12 months, you’ll earn 18% annualized returns; for 2+ years, you’ll earn 24%. For example, a ₹10,000 investment could yield ₹1,800 after a year or ₹2,400 per year after two years, net of fees and taxes.
4. Payment & Security
Q: Can I pay in EMI or installments?
A: Currently, OhyaInvestment requires a one-time payment for your investment to ensure seamless processing. We do not offer EMI or installment options at this time, but we’re exploring flexible payment plans for the future. Stay tuned!
Q: What payment methods do you accept?
A: We accept payments through secure online methods, including UPI, net banking, debit/credit cards, and bank transfers to your NRE/NRO accounts (for NRIs). All transactions are processed via our trusted payment gateway partner, ensuring safety and compliance.
Q: If the project is delayed, will my investment be safe?
A: Since OhyaInvestment owns and manages the properties, there’s no “project delay” risk as with under-construction projects. Your investment is in existing, company-owned properties, and we ensure their performance through expert management. Your funds are secure, and returns are credited as per the agreed terms.
Q: How do you protect my financial data?
A: We use encryption, secure servers, and access controls to safeguard your financial and personal data, as outlined in our Privacy Policy. We do not automatically redirect you to external websites, and all transactions are processed through a trusted payment gateway.
5. Location & Property Details
Q: How do I choose the best location for investment?
A: OhyaInvestment curates properties in high-growth areas like urban hotspots and serene escapes with strong return potential. Each property listing on our platform includes details like location, total value, and expected returns. You can choose based on your budget and preference for growth or stability.
Q: Can I visit the property before investing?
A: Since you’re investing in a virtual fraction and not taking possession, physical visits aren’t necessary. However, we provide detailed property information, including photos, location maps, and performance metrics on our platform.
Q: Are government approvals required for my investment?
A: No, you don’t need to worry about government approvals. OhyaInvestment owns the properties and ensures all necessary approvals (e.g., land titles, zoning permissions) are in place before listing them. Your investment is purely financial, with no ownership transfer involved.
6. Buying & Booking Process
Q: How do I book an investment unit?
A: It’s simple! Log in to your OhyaInvestment account, browse our property listings, select a property, and choose your investment amount (e.g., ₹10,000 for 1 sq. yard). Click “Invest Now,” complete the payment, and a personalized Investment Agreement PDF will auto-download. The process is quick and seamless!
Q: How long does the booking process take?
A: The booking process is instant once you complete your payment. After clicking “Invest Now” and making the payment, your investment is confirmed, and the Investment Agreement PDF downloads immediately. You’ll also receive a confirmation email within minutes.
Q: Do I need to sign any agreement before payment?
A: No, you don’t need to sign an agreement before payment. The Investment Agreement is generated and digitally signed by OhyaInvestment after your payment is confirmed. You can review and sign it (digitally or physically) post-investment for your records.
7. Tax & Financial Benefits
Q: Do I need to pay property tax for my investment?
A: No, you don’t pay property tax. Since OhyaInvestment owns the properties, we handle all property taxes and maintenance costs. Your returns (18-24%) are credited net of such expenses, so you can enjoy hassle-free gains.
Q: Are there any tax benefits for my investment?
A: Since you don’t own the property, typical real estate tax benefits (e.g., under Section 80C or Section 24 for home loans) don’t apply. However, your returns are treated as income from other sources under Indian tax laws, and NRIs can benefit from the Double Taxation Avoidance Agreement (DTAA) to avoid double taxation. Consult a tax advisor for personalized advice.
Q: Do I need to pay GST on my investment?
A: No, GST is not applicable to your fractional investment with OhyaInvestment. Your investment is a financial contribution for returns, not a purchase of goods or services.
8. Investment Safety & Risks
Q: What happens if OhyaInvestment fails to deliver returns?
A: OhyaInvestment strives to deliver 18-24% annual returns through expert property management. In the unlikely event of operational failure, your investment is protected by our company’s legal structure, and we’ll work to refund your principal, subject to liquidity and legal processes.
Q: How do you ensure the property is legally clear?
A: We conduct thorough legal due diligence on all properties before listing them, verifying land titles, permissions, and compliance with local laws. Since OhyaInvestment owns the properties, you’re shielded from direct legal risks associated with property ownership.
Q: Can NRIs (Non-Resident Indians) invest with OhyaInvestment?
A: Yes, NRIs can invest with OhyaInvestment! You can use your NRE or NRO accounts to make payments, as per RBI and FEMA guidelines. We ensure KYC compliance, and NRIs can benefit from DTAA to avoid double taxation on returns. It’s a great way to stay connected to India’s growth story.