Fractional Ownership in Real Estate
CoHold opens pre-leased homes, offices and farmland to investors from ₹10,000. Each property sits in its own SPV, your payment waits in escrow until the property is funded, and every rupee of rent is traceable to your wallet.
Capital is at risk. Rental income and exit timing are not guaranteed.
How CoHold works
Scroll through the life of one investment — what you do, what happens behind the scenes, and what you can check at each stage.
Step 1: Before you sign up
Every listing shows its price, minimum investment, tenant, lease terms and indicative yield — along with the title, valuation and lease documents — before you create an account.
Step 2: About ten minutes
Confirm your PAN and add a bank account in your own name. Money moves only after verification, and payouts go to the account you verified.
Step 3: When you are ready
On a ₹1 crore property, ₹10,000 buys 10 blocks — a 0.10% share. You receive a time-limited quote with your ownership and fees, then pay into the escrow account named in the offer.
Step 4: Once the property is funded
When the funding target is met, escrow releases the money and the purchase completes in a special purpose vehicle: a company or LLP created for that single property. You sign the agreement electronically and the holding appears in your portfolio.
Step 5: Every month you hold
The tenant pays rent to the SPV. After property expenses and applicable fees, your share is credited to your CoHold wallet with a statement you can download. Vacancy or tenant default can pause it.
Step 6: Typically after 2–3 years
At the end of the planned holding period the SPV sells the property. Sale proceeds, after costs and the performance fee on any gain, are paid in proportion to your holding. The holding period is a plan, not a promised date.
Follow your money
Pick an amount and press play. Each stage shows who holds the money, what it is used for and which document to check.
Stage 1 of 6
After verifying your PAN and bank account, you pick an amount and accept a time-limited quote that states your ownership and every fee before you pay.
You commit
₹50,000
Stage 1 of 6
After verifying your PAN and bank account, you pick an amount and accept a time-limited quote that states your ownership and every fee before you pay.
You commit
₹50,000
Illustration on a ₹1 crore reference property using the published indicative ranges (4–8% rent, 6–12% growth a year). Escrow, SPV and fee arrangements for each property are set out in its offer documents. Not a forecast or a guarantee.
Investment & returns
Returns come from two places that behave differently, so we count them separately — and show you the fees that come out of both.
You could get back
₹1,33,220after 3 years, after feesProfit
+₹33,220 33.2% in totalAnnualised
10.0%a year, compounded| Year | Property share value | Net rent received | Total |
|---|---|---|---|
| Today | ₹1,00,000 | ₹0 | ₹1,00,000 |
| 1 | ₹1,06,000 | ₹5,500 | ₹1,11,500 |
| 2 | ₹1,12,360 | ₹10,500 | ₹1,22,860 |
| 3 | ₹1,19,102 | ₹15,500 | ₹1,34,602 |
Where the number comes from
Illustration only, using your assumptions and the current fee schedule; taxes are not included. Indicative ranges for the types of property listed, not a forecast for any individual investment and not a guarantee of return. Each property publishes its own figures. Actual returns may be lower, income may be interrupted, and your capital is at risk.
Real assets
Every listing belongs to one of these categories. Each behaves differently, so each has its own checklist.
Concept image — not a listed propertyHomes in established city neighbourhoods, already let to tenants when they are listed — so rent can start from the month the purchase completes.
What to check on the listing
Market size converted from USD at ₹94.4467 per dollar (RBI reference, 7 Sep 2026).
Fees & pricing
Opening an account costs nothing. You pay fees only through the properties you invest in, and every quote shows them before you pay.
When you invest
1%one-time
Of the property's funding target, charged when it is bought.
While you hold
0.5%a year
Of the funding target, from year 2 until exit. Nothing in year 1.
When you exit
2%of gain only
Of the qualifying net gain, after applicable sale costs.
| Aspect | With CoHold | Buying it yourself |
|---|---|---|
| Amount to start | From ₹10,000 | The full price — often ₹50 lakh or more |
| Registration and paperwork | Handled through the property SPV | You arrange and pay for it |
| Finding and managing tenants | Handled for you; every credit is on your statement | Your responsibility |
| Spreading your risk | The same money can span several properties | One property per purchase |
| Selling | At the planned exit, or by transfer where the agreement allows | Whenever you find a buyer |
| Control over decisions | Shared, as set out in the SPV agreement | Entirely yours |
Separate seller charges may range from 0% to 10% of the purchase price. The investment quote discloses the fee schedule in force when you review it.
Inside the app
Browse listings, verify once, invest, and follow every rupee of rent. Tap any screen to take a closer look.
Download CoHold
Before you invest
Each opportunity has its own terms. These four checks help you understand an offer and ask the right questions.
Vacancy, tenant default, repairs and operating costs can reduce or interrupt rental income. Property values can fall, and you can lose capital. Property is hard to sell quickly, and a planned holding period is not a promised exit date.
Read the full risk disclosureCheck the legal entity, your economic interest, investor rights and exit provisions in the property's agreement.
Confirm the escrow account and its release conditions in the offer. A payment receipt alone does not complete the agreement.
Read the published title, valuation, tenant and lease documents — and ask for anything that is missing.
Tell indicative yields apart from rent already credited. Your statements trace every actual distribution.
Questions, answered
The things people most often ask before their first investment.
You buy a share of one specific property alongside other investors. The property is held by a special purpose vehicle (a company or LLP) created just for it, and your agreement records your share of that SPV's economic interest — including its rent and any sale proceeds.
₹10,000 on most listings; each property states its own minimum. On a ₹1 crore property, ₹10,000 buys 10 blocks — a 0.10% share.
Indian residents aged 18 or over with a PAN and a bank account in their own name. You complete verification in the app before you can invest, and you can pause and resume it at any point.
Each listing publishes its title, valuation and lease documents along with the tenant, lease terms and indicative yield. Read them before you invest, and use the contact form below if anything you need is missing.
In two ways, which the app reports separately: rental income, credited to your wallet once it has been collected, and any change in the property's value, which is realised only when the property is sold.
Monthly, after rent has been collected from the tenant and property expenses and fees have been deducted. If the property is vacant or the tenant does not pay, there is nothing to distribute for that period.
A 1% acquisition fee when the property is bought, a 0.5% annual administration fee from year 2, and a 2% performance fee on any net gain at exit. Creating an account, verification and statements are free. Your quote shows the fee schedule in force before you pay.
Rental income and capital gains are taxable under Indian income-tax law, and the treatment depends on how the SPV is set up and on your own circumstances. Your annual statements help with filing; a tax adviser can tell you what applies to you.
Into the escrow account named in the offer. It is released to buy the property only when the funding target and legal checks are met. The money-flow tool above walks through each step.
The property's SPV holds the legal title. You hold an economic interest in that SPV, set out in the agreement you sign electronically when you invest.
Each property sits in its own SPV, so it is not an asset of CoHold. The SPV agreement explains how the property would be managed or sold in that situation — read that section before you invest.
No. Property values can fall, rent can stop and you may get back less than you invested. Return figures on this website are indicative, not promises.
Each property has a planned holding period — often 2–3 years — after which the SPV intends to sell. That is a plan, not a guaranteed date: a sale can take longer in a weak market.
Only where the agreement allows a transfer and a buyer is available. Early exit is not guaranteed, so invest only money you can leave in place for the full holding period.
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