Real estate has always been a favorite asset class for Indian investors. It’s tangible, it grows over time, and it offers both rental income and appreciation. In cities like Bangalore, property investment has created lakhs of crores in wealth.

But traditional real estate investment comes with barriers:

High entry cost (₹50 lakh–₹1 crore needed upfront)
Low rental yields (2–4%)
Illiquidity (hard to sell quickly)
Management hassle (tenants, maintenance, paperwork)

At Owne, we’ve built a new investment model that solves these issues. Our platform lets investors co-invest in properties with buyers, earn structured IRR-linked returns, and enjoy the benefits of real estate without the headaches.

This page is your complete guide to property investment with Owne.

Why Invest in Property in Bangalore?

Bangalore is India’s tech hub and one of the fastest-growing markets for real estate properties.

Population growth continues with steady migration.
Strong IT and startup ecosystem keeps housing demand high.
Rental demand is rising 8–10% annually.
Long-term capital appreciation averages 5–8%.

Investing here means you benefit from both rental income and price appreciation.

Problems With Traditional Property Investment

High Capital Requirement

A decent flat costs ₹70 lakh–₹1.2 crore, requiring ₹20–30 lakh down payment plus EMIs.

Low Rental Yields

Rental yields in Bangalore average just 3–4%.

Liquidity Issues

Selling property can take months, and urgent exits often lead to discounts.

Operational Stress

Finding tenants, collecting rent, and handling repairs can be time-consuming.

Tax Inefficiency

Rental income is fully taxable, and capital gains reduce resale profits.

How Owne Fixes Property Investment

Owne introduces a smarter model for real estate co-investment:

Co-invest with buyers while the buyer lives in the home.
Earn IRR-linked returns that blend monthly income and appreciation.
Invest smaller amounts instead of locking ₹1 crore in one flat.
No tenant or management hassles.
Structured exits improve tax efficiency.

Example: Investor Returns With Owne

Scenario: 2BHK in Whitefield worth ₹80 lakh.

Traditional route: Buy fully → ₹20 lakh down + ₹60 lakh loan → Rent ~₹25k/month (yield ~3.7%), resale after 7 years gives IRR of ~8–9%.
Owne route: Invest ₹20 lakh alongside a buyer → Earn ~₹15k/month + appreciation share → IRR targeted at 12–15%.

Same property, higher returns, lower effort.

IRR (Internal Rate of Return) – The Key Metric

IRR reflects true annualized return by combining rental inflows and appreciation over time.
It adjusts for when money is invested and when returns come.
It helps compare real estate performance with other assets like FDs or equity.

Who Should Invest With Owne?

HNIs and NRIs seeking property exposure without operational stress.
First-time investors wanting small-ticket real estate exposure.
Investors seeking better yields than FDs or bonds.
Those wanting diversification from equity-heavy portfolios.

Owne vs Traditional Property Investment

Capital Requirement
• Traditional: ₹50 lakh–₹1 crore
• Owne: Smaller ticket sizes

Rental Yield
• Traditional: 2–4%
• Owne: Higher blended returns

Liquidity
• Traditional: Low
• Owne: Structured exits

Management
• Traditional: Owner handles everything
• Owne: Managed by Owne

Returns (IRR)
• Traditional: 8–10%
• Owne: 12–15% targeted

Case Study: Investor With Owne

Ramesh, an NRI from Dubai, wanted real estate exposure in Bangalore without EMIs or tenant issues.

Traditional: Buy a ₹1 crore flat, earn ~₹35k rent per month (yield ~3.6%), 7-year IRR ~9%.
Owne: Co-invest ₹25 lakh, earn ₹18k/month plus appreciation share, IRR ~13%.

He chose Owne for lower capital, better returns, and zero hassle.

FAQs

1. Is Owne an NBFC or loan provider?
No. Owne does not lend or guarantee returns. It structures co-investment agreements.

2. What returns can I expect?
Target IRR is 10–15%, depending on property and tenure.

3. What about capital gains tax?
Applicable on exits, with structures designed to improve tax efficiency.

4. Can I exit early?
Yes. Early exits are possible, though IRR may be lower for shorter tenures.

5. Is my capital safe?
All deals are backed by legally registered tri-party agreements. Returns depend on market performance.

6. Is co-investing in property safe in India?
Yes, when done through verified assets and structured agreements.

7. What is the best property investment alternative to buying a house?
Co-investing in real estate offers lower capital, higher IRR, and no management hassle.

Conclusion

Property has always been a strong wealth creator in India, but buying full ownership of a rental property is heavy and inefficient for modern investors.

Owne offers a smarter solution. By co-investing with buyers, you earn higher IRRs, steady yields, and capital appreciation without dealing with tenants, EMIs, or paperwork.

Use our Investor Toolkit (ROI Calculator, IRR Calculator, Rental Yield Calculator) to see the numbers and explore how Owne makes property investing structured, smarter, and rewarding.