Is it possible to co-own a ₹10 crore vacation home in Goa with just ₹50 lakh, and still enjoy capital appreciation and rental returns? For a growing number of HNIs, the answer is yes. The model making this possible is fractional ownership, an investment framework that offers access to premium real estate without full asset commitment.
Once viewed with caution, this structure is now entering the mainstream. Backed by regulatory traction, it is rapidly gaining credibility, especially among high-net-worth individuals (HNWIs) and global investors seeking access to marquee residential and commercial assets without committing disproportionate capital.
But as traction grows, the question remains: Is this evolution sustainable or simply a trend riding on short-term enthusiasm ?
Fractional ownership allows multiple investors to co-own a high-value property by purchasing equity shares, either through a Special Purpose Vehicle (SPV) or other legally compliant structures. This model enables access to trophy homes, luxury villas, vacation properties, or Grade-A offices at a fraction of the cost while offering proportional returns on rental income and capital appreciation.
In residential formats, the model also allows for personal usage rights, typically scheduled in rotation or limited to specific days in a year. In commercial real estate, investors receive passive income in the form of lease rentals while also benefiting from asset appreciation.
Unlike traditional timeshares, fractional ownership offers true equity ownership with defined rights, responsibilities, and resale potential. Most regulated platforms now offer:
As real estate strategies evolve, HNWIs are gravitating toward asset models that offer both lifestyle alignment and capital preservation — a blend that fractional ownership is uniquely positioned to deliver.
The attraction goes beyond mere financial logic. For luxury property investors, fractional ownership presents a unique intersection of aspiration, access, and efficiency.
This format especially resonates with NRIs, CXOs, and HNWIs who are seeking secondary homes for limited use but still expect consistent value appreciation and operational ease (Rustomjee).
With credibility building across investor categories, it becomes critical to assess how adoption patterns and regulatory evolution are shaping this emerging investment format.
Investor sentiment around fractional ownership is shifting from curiosity to confidence, backed by both market trends and regulatory tailwinds.
A 2024 survey by WiseX revealed that 64% of HNWIs prefer the fractional ownership model for commercial real estate (CRE), and 60% of general investors echoed similar preferences (Financial Express). This trend is being reinforced by regulatory movement. SEBI is in the process of formalizing norms for Fractional Ownership Platforms (FOPs), expected to significantly enhance transparency, compliance, and investor protection (Hindustan Times).
Equally important, market forecasts are turning bullish. The fractional ownership market in India is projected to grow over 10x to surpass USD 5 billion by 2030, according to a JLL-PropShare analysis (Hindustan Times).
As structures become standardized and disclosures more robust, fractional ownership is moving from an alternative concept to a credible asset allocation tool — especially for second homes in high-demand leisure destinations. However, with growing traction comes the need for a sharper focus on associated risks and governance discipline.
Despite its growing credibility, fractional ownership requires caution. The risks, if overlooked, can affect both yield and investor confidence.
These considerations underscore the need to work with established advisory partners, ensure rigorous legal diligence, and choose only those platforms with transparent processes and institutional-grade asset curation.
The future of fractional ownership, particularly in the luxury residential segment, depends on three key factors:
Given the market forecast to surpass USD 5 billion by 2030, this is no longer a passing trend but a fast-evolving asset class with increasing institutional interest. And at SQUAREA, we work closely with institutional platforms, legal experts, and asset managers to help you assess, vet, and execute luxury fractional ownership opportunities with precision and confidence.
To explore curated access to luxury homes and high-yield commercial properties, connect with us at hello@squarea.io or call +91 90 9641 9641.
Resale properties occupy a distinct niche in India’s housing market. They provide access to established micro-markets, immediate operational use, and, in certain cases, prime addresses where new supply is scarce or non-existent. For HNIs and UHNIs, these attributes translate into both strategic convenience and capital efficiency.
Yet beneath the surface, resale transactions can carry risks such as unclear titles, compliance gaps, unpaid dues, and underestimated renovation costs. To make sound decisions, investors need to approach resale acquisitions with the same diligence and discipline applied to large-scale allocations.
A sound decision depends on clear legal checks, the property’s condition, true ownership costs, and market liquidity. Here’s what you should carefully examine before committing capital:
Regulatory checks are critical, especially for older projects. Under Maharashtra’s RERA, over 29,000 complaints have been filed by buyers, with nearly 24,000 tied to pre-RERA projects and a resolution rate of about 74% (Hindustan Times).
Always verify RERA registration, ensure the sanctioned plan matches the constructed structure, and confirm occupancy and fire NOCs. A property backed by proper approvals protects both financing and long-term value.
Confirm that the seller has full legal authority to transact. Match PAN or Aadhaar details to the title deed and ensure all co-owners provide written consent. In case of inheritance, check probate or succession papers. Where minors are involved, court permissions are mandatory.
Go beyond the original sale deed and insist on a detailed Agreement to Sell covering inclusions, handover timelines, indemnities, and penalties. Factor in stamp duty, registration, and society transfer fees, ensuring all documents are correctly recorded.
Resale homes often carry legacy liabilities like unpaid taxes, utility bills, or maintenance charges. Always obtain a No-Dues Certificate from the society and written confirmations from municipal and utility authorities. Record meter readings at handover so outstanding consumption does not become your liability. Ensuring financial closure at this stage avoids unnecessary disputes later.
Time and use leave their mark on any property. Structural cracks, outdated wiring, or waterproofing issues can demand significant expenditure. HNIs and UHNIs should budget realistically for upgrades. An independent audit by an engineer or architect helps surface hidden risks across the structure, MEP systems, and safety features. This allows you to create a clear CapEx plan that aligns the property with modern standards while protecting long-term value.
Resale buyers enjoy tax benefits under Section 80C (₹1.5 lakh on principal repayment) and Section 24(b) (₹2 lakh on interest) (Income Tax Department). Alongside these, factor in higher maintenance in older societies, premium community charges, and periodic upgrade reserves. For financing, check lender policies as some restrict loans on very old or non-compliant assets.
Benchmark value using recent deals in the same project and cross-check with broker opinions. Factor in price differences between renovated and original units, and consider upcoming infrastructure that may drive demand. Align the property’s resale ease with your planned holding period, as prime compliant homes typically sell faster.
That said, when approached with discipline, resale properties offer clear advantages to both end-use buyers and long-term investors, combining immediate utility with strategic capital appreciation.
When assessed through this lens, resale is a strategic allocation. You gain immediate rental potential, avoid construction risk, and access coveted, fully built urban locations. For investors focused on wealth preservation and legacy, the combination of speed, location, and optionality can be compelling, provided diligence is uncompromising.
SQUAREA applies institutional discipline to every resale mandate so you acquire with clarity and exit with confidence.
This framework transforms resale acquisitions into informed, deliberate decisions that align with both performance and peace of mind. For tailored guidance and exclusive access to India’s most compelling resale opportunities, contact hello@squarea.io or call +91 90 9641 9641.
India’s Smart Cities Mission (SCM), launched in 2015, set out to modernise 100 cities with a focus on sustainability, connectivity, and liveability. Ten years on, the results are tangible: thousands of projects have been delivered, pollution levels have eased, and housing benchmarks are being reset
With India’s urban population projected to nearly double to 951 million by 2050 (World Bank), the scale of demand ahead is unprecedented. For HNIs and UHNIs, this means smart cities are not just infrastructure programmes, they are creating resilient, well-connected, and premium housing markets that are redefining the investment landscape.
The Smart Cities Mission represents one of the largest coordinated urban investments in India’s history. Total planned investment stands at ₹2,01,981 crore, of which ₹1,63,138 crore is earmarked for area-based development projects. (CBRE) These are not just infrastructure upgrades but holistic interventions – roads, transit, water, power, and public amenities that directly influence the quality and value of housing.
A decade on, the Smart Cities Mission has turned concept into execution. More than 7,400 projects have been completed across 100 cities, spanning transit, utilities, open spaces, and digital governance. The results are visible: average PM10 levels in these cities dropped by nearly 23.7% between 2018 and 2024, a tangible marker of improved urban health. (Economic Times)
As these foundations strengthen, their impact on urban housing markets is becoming clear, making it important to see how these improvements are now shaping demand directly.
Smart infrastructure has a direct bearing on residential absorption and pricing. Improved connectivity, reliable utilities, and better liveability create sustained end-user and investor demand. This is reflected in market performance: in Q4 FY25, property prices rose in 48 out of 50 Indian cities, with the NHB-RESIDEX index showing a year-on-year increase of 7.5%. (ET Realty) All major metros registered price gains, underscoring the link between infrastructure and housing values.
In India’s top seven cities, housing sales during the first nine months of 2024 reached ~₹3.8 lakh crore across 2.30 lakh units, with a noticeable shift toward larger, premium homes. (Economic Times) The Smart Cities programme has been a catalyst here, upgrading transport networks, expanding social infrastructure, and supporting urban amenities that appeal to affluent buyers.
The rise in housing demand is not incidental but the outcome of integrated planning, creating a structural shift that opens clear benefits for HNIs and UHNIs in the housing market.
For investors, smart cities create advantages that extend far beyond conventional housing markets. By combining infrastructure upgrades with sustainability and technology, they unlock both financial and lifestyle value:
For HNIs and UHNIs, smart city housing combines financial strength with lifestyle value, making it essential to consider how the next phase of urban housing will evolve.
Looking ahead, the urban housing story will be shaped by both scale and resilience. The World Bank estimates India will need $2.4 trillion in investments by 2050 to create climate-resilient infrastructure. (World Bank) For housing, this means:
These shifts show that smart cities are redefining India’s housing, bringing cleaner air, better mobility, premium formats, and rising values - aligning growth with global standards of sustainability and liveability.
At SQUAREA, we guide investors with data-driven insights to identify housing shaped by smart city growth. Our curated portfolios align strong returns with future-ready urban living. For tailored advice, reach us at hello@squarea.io or call +91 90 9641 9641.
Real estate has always been a sector shaped by information asymmetry. For Indian HNIs and UHNIs, choosing the right investment has often meant relying on intuition, fragmented data, or market sentiment. Today, this landscape is changing. Artificial Intelligence (AI) is reshaping how investors identify opportunities, manage assets, and forecast returns, turning vast and complex datasets into actionable insights.
The global AI in real estate market, valued at USD 2.9 billion in 2024, is projected to expand to USD 41.5 billion by 2033, reflecting the scale of adoption across the industry (Artsmart AI). For Indian investors, where real estate remains a critical asset class, AI-powered tools are quickly becoming the differentiator between conventional decision-making and future-ready investing.
As adoption grows and capital flows in, it becomes important to measure the scale of the AI opportunities that are reshaping the sector.
The operational efficiencies that AI brings to real estate are significant. Studies show that approximately 37% of real estate tasks can be automated, especially in areas such as administrative support, property management, and maintenance, unlocking an estimated $34 billion in efficiencies (Morgan Stanley).
This is not just about automation but about redefining the economics of real estate. AI adoption is creating measurable value across subsectors:
As efficiency grows, the real edge will go to investors who use AI at the core of their strategy. The next step is moving from instinct to evidence in everyday decisions.
Historically, property investments were often made based on peer references. While experience has its place, AI now provides a scientific edge, allowing investors to navigate markets with sharper precision.
Here is how AI is transforming decision-making for Indian HNIs and UHNIs:
As investors move beyond traditional methods, the ability to combine human judgment with AI-led insights becomes a powerful formula for wealth preservation and growth. These shifts are most visible in India’s high-growth markets, where AI is already reshaping how assets are priced, leased, and managed.
The implications of AI go beyond operational efficiency. In India’s high-growth markets, AI is influencing both institutional and private investment strategies.
In a market as diverse and dynamic as India, this shift means investors can act with greater confidence, backed by data rather than speculation. And looking ahead, the role of AI even extends beyond efficiency to the way people live, work, and engage with built spaces.
While efficiency gains remain central, the broader impact of AI is its ability to redefine how people interact with real estate. Leading global advisory research indicates that AI will augment productivity, create new job opportunities, and reshape how spaces are used in sectors such as housing, healthcare, and retail.
For Indian investors, this means three key outcomes:
To translate these advantages into results, investors benefit from partners who operationalise AI across sourcing, diligence, and portfolio management.
At SQUAREA, we integrate AI-powered insights into every stage of the investment journey. From identifying undervalued assets to structuring portfolios and monitoring performance, our advisory ensures that clients benefit from the latest in data-driven decision-making. For tailored guidance and access to India’s most prestigious properties, reach out at hello@squarea.io or call +91 90 9641 9641.