Investment & ROI
₹10 Lakh se Real Estate Investment Kaise Start Kare
1 min read
Real estate sirf ameer logo ka khel nahi hai. ₹10 lakh mein bhi start ho sakta hai — agar sahi raasta pata ho. Yeh hain options.
Option 1: Plotted Scheme Installment
Many RERA-registered plotted schemes mein ₹5-8 lakh down payment aur baaki installments mein. Total ₹15-25 lakh plots — entry ₹10L se ho sakti hai. Raipur ke fringe areas mein yeh possible hai.
Option 2: SM-REITs
Small and Medium REITs — new SEBI-approved instrument. ₹10 lakh minimum investment. Commercial real estate mein fractional ownership. Rental yield quarterly milta hai.
Option 3: Real Estate Crowdfunding/Fractional
Platforms jo ₹5-10 lakh mein commercial property mein fractional ownership dete hain. Returns: 8-12% annually projected. Liquidity: platform exit options.
Option 4: Home Loan Leverage
₹10L down payment par ₹40-50L property. ₹50L property = ₹40L loan at 7% = ₹31,000 EMI. If rental income ₹18,000+ hai, gap manageable hai. Long-term appreciation covers rest.
What to Avoid at ₹10L
Avoid unregistered plots, verbal agreements, agricultural land without NA conversion. Risk management at low capital is paramount.
Best 2026 path for ₹10L starter: Down payment on RERA-registered plotted scheme in Raipur/Nagpur emerging areas. Hold 5-7 years. Compound the gain.
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