Your Capital Deserves
More Than a
Fixed Deposit.

Owne connects property investors with future homebuyers through a rent-to-own structure. You invest the full cost of a property, which is registered in your name. An Agreement to Sell (ATS) is signed with the buyer. The buyer occupies the property and makes monthly payments. You receive only the rental component as monthly income. The buyer's principal payments go into bank-managed escrow accounts. At the end of the contract period, the buyer completes the purchase, ownership transfers, and you receive your principal from escrow.

Owne targets 8% to 11% APR on 3-year deals and 10% to 13% APR on 6-year deals. Returns are paid as monthly rental income from the buyer's contracted payments. These are targeted returns based on historical deal data, not guarantees. Each deal discloses risks, mitigants, and the full cashflow schedule before you commit.

There is no fractional investment option. Your investment equals the full cost of one property. This means minimum investment varies by deal and depends on the property's purchase price. Each listing on the platform shows the exact amount required.

The property remains in your name throughout the contract period. Only an Agreement to Sell (ATS) has been signed, so no ownership has transferred. The buyer has already paid an advance amount upfront, which acts as earnest money and gives them financial skin in the game. Additionally, the buyer's accumulated principal payments sit safely in bank-managed escrow. If the buyer stops paying, the contract provides clear legal recourse. The property is your security, and the deal documents define fallback mechanisms including property resale.

All principal payments made by the future homebuyer are routed into bank-managed escrow accounts. Neither the investor, the buyer, nor Owne can unilaterally access these funds. The escrow accumulates the buyer's principal over the contract period. When the contract ends and the buyer completes the purchase, the escrowed principal is released to the investor as part of the exit settlement. This structure protects the buyer's contributions and guarantees the investor's capital return pathway.

If you have sold a long-term capital asset, reinvesting through Owne can qualify for exemption under Section 54 (house to house), Section 54F (non-house asset proceeds into a house), or Section 54EC (specified bonds). Since Owne deals involve purchasing a residential property in your name, your reinvested gains can earn monthly rental income while potentially reducing LTCG tax to zero. The exemption cap is ₹10 crore and the new property must be held for at least 3 years.

It depends on when you purchased. If bought before 23 July 2024, you can choose between 20% with indexation or 12.5% without, whichever gives lower tax. If bought on or after that date, only the flat 12.5% rate applies. The CII for FY 2025-26 is 376 (base year 2001-02 = 100).

Section 54 applies when you sell a residential house and reinvest the capital gains in another residential property. Only the capital gain amount needs reinvesting for full exemption. Section 54F applies when you sell any long-term asset other than a house and reinvest the net sale proceeds in a residential property. Here the exemption is proportionate: investing 100% of net consideration gives 100% exemption. Both require the new property to be in India and held for 3+ years.

The investor owns the property. It is registered in the investor's name. The future homebuyer has only signed an Agreement to Sell (ATS). The documentation is structured so that neither party can make unilateral ownership claims outside the contract terms. Ownership transfers to the buyer only after the full contract period is complete and all terms are fulfilled.

Payouts begin once the buyer moves into the property and the payment schedule under the registered agreement activates. Typically this happens within 30 to 45 days of your investment being deployed. The exact payout start date is disclosed in deal documents before you commit.