FAQ'S
FAQ's
Our Organisation offers innovative investment options which provides maximum returns than Fixed Deposits. Our paramount objective is to serve the nation and for its people to prosper
Help Center
General FAQ's
Real-Estate FAQ's
Leasing FAQ's
General Question
A Special Purpose Vehicle is an entity incorporated/created under the law, being a Partnership firm, LLP, a private company, etc., for a specific lawful purpose. Any investment opportunity listed on the RIOFIN platform will be owned by an SPV being a limited liability company LLP set up for this specific purpose.
We make sure that we have securities such as security deposits or post-dated cheques at the time of the investing into the assets. Additionally, we have the ability to reclaim assets for selling or re-leasing. However, investors must note that while we have these safeguards in place, it does not guarantee 100% returns in case the Leasing partner does not fulfil the payment obligations.
ROI is absolute growth on investment over the investment period. IRR is an annual return considering value of money..
Yes, you can invest in any number of assets. Diversification is always an advisable investment strategy and by offering you the ability to make smaller investments we encourage you to invest in more than one asset. Keep an eye for Combo Deals which consist of multiple assets.
Your investment is completed as soon as the opportunity is fully funded and private placement of your investment is done in the SPV that shall acquire the asset listed. RIOFIN generally has a time frame of 60 days to ensure that the property receives complete funding.
Dharamai follows a rigorous regime of due diligence, financial modelling, extensive data mining and market analysis to shortlist the best assets for investors.
Yes, Dharamai allows investors to diversify their portfolio by offering investor-friendly deals and custom product solutions. Flexible tenure, and ticket sizes provide our investors with an easy choice for investment portfolio diversification.
All the standard documents that are needed to register as an investor, along with an NRE or NRO account number from a savings bank account in India.
The security of our platform and privacy of all your data is our utmost priority. RIOFIN’s platform is built keeping the best-in-class security and privacy features in mind. All your data is hosted on secure cloud networks and all sensitive client data is encrypted and stored with 256 bit SHA encryption. Also, RIOFIN will never share your data with any third party. For more details, please refer to our privacy policy.
Real-Estate FAQ's
Our Organisation offers innovative investment options which provides 4-5X higher returns than Fixed Deposits. Our paramount objective is to serve the nation and for its people to prosper
Fractional ownership in real estate describes an investment process wherein a number of investors join together to invest in a real estate asset so that all of them can benefit from a share of the income that the asset generates and any appreciation in the value of the property.
Yes. The investors can view all the asset-related documents including the Lease/Rental/Tenancy Agreement/ Deed or Leave & License Agreement uploaded on the investor’s respective dashboards.
Our selection criteria include factors like property value, growth potential, clear title, legal compliance, regulatory compliance, risks factors, etc. However, investors are invited to perform their own due diligence, before making any decision, since every investment decision is prone to some inherent risk factors.
Investors enjoy regular returns, or capital appreciation, or both as mentioned during the investment. The frequency of the returns pay-out i.e., monthly or quarterly are also decided prior to the investment.
dharamai offers different kinds of Real Estate Assets like Residential, Commercial. Assets that were previously only accessible to institutional owners are now easily accessible to all potential investors through Dharamai.
Our exclusive investor portal can be used for tracking the investment, checking regular updates, accessing transactional info, property documents etc. Depending on the product offering investors have chosen, they can contact the asset manager assigned, for any additional queries.
The returns vary from product to product, typically starting from 12% per annum. The expected IRR and yield will be disclosed prior to investment only to avoid any inconvenience.
Our team examines various metrics like yield, location, quality of asset, scope of capital appreciation, micro and macro market indicators, legality of title and earning potential. We rely on the extensive experience of our team to grab the best deals available.
Generally, a commercial real estate asset will require 3-5 years to appreciate. While an early exit is possible through our liquidity options, this could adversely affect the total return on your investment. Investors can choose to sell investments (after an initial 6 month lock-in period) through Dharamai’s Resale Market.
Leasing FAQ's
Our Organisation offers innovative investment options which provides 4-5X higher returns than Fixed Deposits. Our paramount objective is to serve the nation and for its people to prosper
Equipment leasing is a financing option that allows businesses to rent equipment for a certain period of time in exchange for regular payments. At the end of the lease term, the equipment is returned to the lessor or may be purchased for a predetermined amount.
Almost any type of equipment can be leased, including but not limited to, machinery, vehicles, office equipment, medical equipment, technology, and more.
Equipment leasing can provide several benefits to businesses, such as preserving cash flow, providing access to the latest equipment without a large upfront cost, flexible payment options, and potential tax benefits.
Equipment lease terms can vary, but typically range from one to five years.
At the end of the lease term, the equipment is typically returned to the lessor or can be purchased for a predetermined amount.
Yes, many equipment leases include maintenance and repair services as part of the agreement.
A capital lease is structured like a loan and allows the lessee to purchase the equipment at the end of the lease term. An operating lease is more like a rental agreement and does not provide an option to purchase the equipment at the end of the lease term.
