Frequently Asked Questions

Finplify offers a wide range of investment options across various asset classes, empowering you to build a diversified portfolio that generates a constant and stable cash flow while delivering superior returns with reduced risk. Our curated investment platform, Finplify, opens doors to multiple asset classes, including Digital Gold, Real Estate, and Fixed Income instruments. By investing in these diverse assets, you can create a passive stream of income while minimizing risk through portfolio diversification. We understand the importance of simplicity and accessibility in investing. That's why Finplify ensures a hassle-free investment experience by providing low ticket sizes for investments. Additionally, we offer intuitive visualization tools that allow you to easily track and monitor the performance of your portfolio. To ensure transparency, each transaction for real estate and fixed income asset classes are registered on a public blockchain ensuring an immutable, publicly-verifiable record of the transaction.

No, all the funds are collected directly in the Special Purpose Vehicle(SPV) designated Escrow Account provided by an RBI regulated bank and monitored by a SEBI registered Trustee. Additionally, SPV is a legally registered entity that holds the asset's ownership(Title deed). The investors become shareholders of the SPV that gives you exclusive legal rights to asset ownership, and Finplify Platform has no claim on the project in later stages. In certain projects were the asset is directly registered to the individual purchaser, Finplify acts as facilitator platform enabling the transaction between the buyer and the seller.

Finplify offers meticulously curated investment listings, meticulously screened and evaluated for their income generating potential, capital appreciation prospects, risk mitigation measures, and legal title verification. We do the heavy lifting of opportunity identification, due diligence, and risk mitigation, ensuring only the finest opportunities with minimal risk are presented to our investors. However, we advise our investors to conduct their due diligence and thoroughly review all documents before making any investment decisions.

Investing through Finplify offers the advantages of diversification, expert curation of investments, convenience, risk mitigation, and investor empowerment, making it an appealing platform for individuals seeking to grow their wealth through carefully selected investment opportunities.

Any individual or company with a registered PAN and bank account can become an investor at Finplify

Finplify provides a variety of curated investment options for one to invest with like-minded individuals with a common goal of “building a passive stream of income” for themselves. We handle creation and management of the SPV formed to hold the ownership right of the asset. We also handle scenarios such as collection of deposits from investors, rental distribution,ownership transfers, voting procedures, repairs, and expenses of the SPV.

DigiGold facilitates the purchase of physical bullion (i.e. bars of Gold/Silver) for as low as Re. 1 with the ease of online access. The customer can request for the delivery of Gold/Silver purchased from Finplify anytime they want in the form of coins/ bars and jewellery and it will be delivered at your doorstep. Customers can also sell the bullion (bought from us) in a secured and convenient manner back to us.

Finplify, through its mobile application, offers 24-carat 999 Gold and 24-carat 999 Silver.

Ease of Account Opening: Opening an Account with us is a quite simple, hassle-free process.

Minimum Verification: Only mobile number verification is required for successful registration. No Additional Costs: No brokerage is charged. No charges for storage and insurance.

Small Quantity: Finplify enables the purchase of Gold and Silver for as low as Rs. 1.

Buy Back: The customer can sell the bullion bought from us at very low spreads.

Delivery: The customer can avail delivery of bullion at their doorstep.

Dedicated Customer Service - Contact the Customer Service Desk by Email and Call during the business hours of 10:00 am to 7:00 pm from Monday to Saturday, except on public holidays.

On Finplify, any resident Indian with a valid PAN/Form 60 and a bank account can start purchasing DigiGold. You must simply create your account on Finplify and start investing.

You can buy any quantity of Gold/Silver on Augmont. The minimum amount of purchase allowed is Re.1. However, you are allowed to sell only the Gold/Silver that you have bought from us. You are not allowed to sell the gold or silver until 48 hours from the purchase time for security reasons.

The Buy and Sell prices are calculated using wholesale spot market pricing. We pass on the benefits from wholesale market prices to our consumers, making us more competitive than the competition.

All our prices quoted on the website are exclusive of GST and other applicable taxes. The applicable GST is added to the quoted price at the final stage of checkout.

The price for Gold/Silver (i.e. Buy/Sell) is displayed on the platform, and there is always a little disparity between the buy and sell prices. The spread varies depending on a variety of factors such as price volatility, supply, and external market circumstances. On the platform, we transparently quote the live prices. Furthermore, GST, which is imposed on the buy price, is not levied on the sell price, and there are other charges for payment gateways, trustees, and other services that contribute to the difference between the buy and sell prices.

You receive the sale proceeds in your confirmed bank account when you sell your gold or silver. Within three working days, the funds will be credited to your bank account. You can contact our customer care if there are any delays.

You can sell back at the market prices which are displayed on the website on a real- time basis. There are would be a convenience charge of Rs 25 applicable when you opt to receive the funds in your account within one business day.

You can buy gold and silver for as low as Re. 1 up to four decimal grams.

You can download the invoice from the ‘Transactions’ page in the DigiGold section of the mobile application.

Customers can monitor their activities on the application by viewing all transactional details in the ‘Transactions' section. To keep track of all the transactions, there are separate reports such as Buy Reports, Sell Reports, and Redeem Orders, among others.

Once orders have been successfully placed, they cannot be cancelled.

As per the government regulations, it is a statutory requirement and a part of regulatory instructions and compliance that KYC needs to be done for buying any product on the Finplify platform. We want to ensure that we have the correct KYC of the customers to enable us to identify the owners of the gold/silver lying in the vaults with accuracy. It is advised that proper KYC is updated to prevent any misuse of your gold account. In any case, you will be prompted to provide your PAN details once your buying reaches a certain threshold limit.

The physical gold/silver is stored safely in the vault of Sequel, the service which is utilized by various banks in India and also by various Asset Management Companies (AMCs) for their Gold-ETFs. The physical Gold/Silver stored in the vault is also covered by insurance.

Sequel Logistics (https://sequelglobal.com) is a global leader in security-related services for banks, financial institutions, mines, retailers, diamond and jewellery industries, pharmaceuticals and a variety of other commercial and governmental customers.

Valgo Finsec Services Private Limited formerly know as Valgo Securities Services Private Limited, managed & operated by SEQUEL group of companies has been appointed as an Independent Trustee, and they have the authority to act on behalf of clients and to protect their interests. On the bullion (i.e.Gold/Silver) you purchase, Valgo will have first and exclusive charge. Customers enable Augmont(Finplify’s partner) to send physical bullion to a secured vault on their behalf, which is verified by an Independent Trustee, after accepting the Terms and Conditions.

Under a comprehensive insurance contract, a top insurance firm insures the physical gold and silver housed in vaults. Our insurance also covers the gold, silver, and jewellery that is in transit at the time of delivery.

The customer can request delivery of the Gold and Silver bought from Finplify in the form of coins and they shall be delivered at your doorstep. The customer can request the delivery by selecting from a wide range of coins and by paying a nominal making and delivery fee. The customer can request for the delivery of gold and silver coins of as low as 0.1 gram gold and 1 gram silver.

Finplify delivers to all the cities across India, through partnerships with secured logistics providers.

Once the delivery request has been placed by you and accepted by Finplify, you will receive a link in Email/SMS which will help you keep a tab on the status of your order. You can also check the status of your order in the ‘Transactions’ section.

The customer will receive the delivery at the shipping address indicated in the order within 10 working days of placing the order/requesting delivery.

The risk of loss relating to the products shall be on Finplify and Augmont till the time the product is delivered to the customer at its shipping address.

By contacting the customer care desk, you can request that your account be terminated. In response to your request, we will close your account. However, before your account is terminated, you must verify that any gold or silver in your account is sold back to Finplify at market price.

The partner platforms will provide the first level of support. To reach out to us, you can write to support@finplify.in. You can also call us on +91 89041 64343.

Kindly do not panic. If your account was debited, it should be automatically reversed in 72 hours or according to your bank guidelines. If you still need help, please contact our customer support team.

The customer has to pay the money as per the amount at which he/she has booked the article. The gold price at the time of booking applies. Thus, even in cases where the gold price increases, the customer gets the benefit of paying as per the old reduced price and gets the delivery of the gold article.

The process of purchasing gold through Finplify is quick and simple. The platform is completely user-friendly and the process involved is swift and hassle-free.

Customers shall receive his/her gold at their shipping address as provided within 10 working days from the receipt of complete payment of the purchase price by Finplify. Each Product shall be packed in tamper-proof blister packaging with cold sealing and shall bear the logo of Augmont. The packaging shall describe the order code/Customer ID/ Customer name which will be written or pasted securely as a printed sticker.

Upon sale and delivery of the products to the customer/broker as per the purchase order, the Customer shall not be entitled to return the Product. However, in case of a physical defect in the product, Finplify shall replace the same subject to the product being sealed. Customers should make sure that the product is returned in the same tamper-proof blister packaging in which it was delivered to him.

The customer can be assured of the quality of the Gold Coins and Jewellery delivered by Finplify as each and every article delivered is hallmarked by a government-approved hallmarking agency as per the BIS guidelines.

Once the delivery request has been placed by you and accepted by Finplify, you will receive a link in email/sms which will help you keep a tab on the status of your order.

The full form of GOLD SIP is GOLD Systematic Investment Plan (SIP). It is a scheme where you can buy Gold/Silver for a fixed amount every month. It enables you to accumulate Gold/Silver in smaller quantities through periodic instalments. Thus, the monthly instalment is used on your selected date to buy Gold/Silver at a closing price of the previous day. For example: If you create a SIP of Rs.1000 per month, then those Rs.1000 will be utilized on the selected date for the purchase of Gold/Silver.

Once you have successfully registered, you need to log into your account, click on the SIP link, fill in a simple form specifying your choices and submit. Your SIP application will be completed and you will get a confirmation SMS.

The SIP investment can be started with a minimum amount of Rs.500/ month. There is no limit on the maximum amount for SIP investment and you can invest in multiples of Rs.500

The consumer can choose from a variety of SIP Investment tenure options, ranging from one year to ten years.

No, once a SIP plan has been successfully created, the tenure of the plan cannot be extended. You can, however, get a new SIP plan with only one click when your current SIP expires.

No, you cannot opt for Cash at the end of SIP tenure. You can however, sell the gold and silver to Finplify and/or receive the value in your bank account.

If you miss your SIP installment, then you will be given a grace period of 5 days. In case you don‘t deposit funds within the grace period, then your SIP will be treated as ‘Defaulter’ and your SIP will be terminated. However, the gold/silver accumulated in your SIP shall be available for you.

You can renew your SIP Plan by writing to support@finplify.in

You can request delivery of the Gold and Silver bought on Finplify in the form of coins and they shall be delivered to your doorstep. You can request the delivery by selecting from a wide range of articles and by paying a nominal making and delivery fee.

Yes, you can exchange your digi gold for jewellery at any of the Gold Mitra Stores offline or online.

You can use any amount of Digi Gold balance that you currently have in your Gold Balance that you have in your Finplify account, without any minimum balance requirement.

We currently have affiliation with multiple Jewellers for offline Jewellery Exchange. You can visit any nearest Jewellers branch and redeem your Gold Balance.

You can use the Digi Balance that is in your account and the difference can be settled at the jewellery store.

In case your Digi Gold Balance is not reflecting on your account, please contact the customer support team on support@finplify.in or call them on 8904164343 and they will help you further.

Finplify offers a diverse range of investment options on its platform, encompassing high-yielding residential, commercial, redevelopment, warehouse, and hospitality properties. These opportunities span across all stages, including pre-construction, assignments, and re-sale. Each property operates as a distinct Special Purpose Vehicle, where the title is held by this dedicated entity, functioning similarly to a private limited or limited liability company. Through this structure, investors can own units/shares and benefit from the ownership and management of the property.

With our user-friendly mobile application, available on both the Play Store and App Store, investing and monitoring your investments is effortless. Stay ahead of your investments by leveraging our intuitive platform. Additionally, we keep you well-informed with regular updates on properties and nearby developments. This ensures that you are consistently updated on the latest happenings in the vicinity, empowering you to make well-informed investment decisions.

We would need the following documents as part of the KYC process:

1. Identity Proof: PAN Card

2. Address Proof: Aadhar Card, Passport, Voter’s ID

3. Live Selfie Photo

Our ownership structure is meticulously designed to provide you with independence and security. When you invest with Finplify, you will be allotted equity shares and compulsorily convertible debentures in a Special Purpose Vehicle (SPV). This SPV will acquire the real estate asset or fixed income instrument listed on our platform. Rest assured, the necessary compliances regarding your investment in the SPV are diligently filed and made with the appropriate government authorities. To ensure transparency and accountability, the title documents executed and registered in favor of the SPV are stored as public records in government databases. This adds an extra layer of protection for your investment. Regardless of the circumstances surrounding Finplify, your investment remains completely secure on the blockchain security layer. It's important to note that Finplify acts solely as a platform, enabling investors like yourself to conveniently invest in these assets. While we strive to provide the best opportunities, we encourage you to conduct your own research and due diligence. Your proactive approach to verifying information and making informed decisions is essential for your investment journey. Rest assured, we are here to support you every step of the way, offering a secure and accessible platform for your investment needs.

Our investment opportunities on Finplify typically offer annualized returns ranging from 14% to 20%, depending on the specific opportunity. While these returns are not guaranteed, they exhibit a reasonable level of predictability. It's important to understand that every investment option carries its own unique risk-return profile. We strongly advise investors to carefully evaluate each opportunity based on their individual investment goals and risk appetite. By considering these factors, you can make well-informed investment decisions that align with your financial objectives. At Finplify, we prioritize transparency and aim to provide a platform that empowers investors to make informed choices while managing their investment risks effectively.

Finplify charges an annual management fee between 1% - 2% of the amount raised through the platform for properties as the acquisition charges and platform fees. In addition, Finplify may charge an annual management fee for the management and compliances of the SPV that would vary between 0.5%-1.25%. For Digital Gold, a convenience fee of Rs 5 is charged for each transaction above Rs 250.

The investment horizon for each opportunity would be clearly mentioned on the respective opportunity page. We would advise you to have a mix of asset classes in your portfolio to meet your short-term and long term goals. We have focussed on providing easy liquidation options for each of our offerings.

Legal due diligence holds paramount importance to us, which is why we prioritize it extensively. Our team of seasoned real estate and financial planners diligently analyze each investment opportunity along with its associated risks. To further ensure comprehensive assessment, we collaborate with reputable legal firms to examine the legal aspects and provide their expert opinion. In the interest of transparency and investor confidence, all relevant documents, including the legal opinion, are made accessible to our investors on the portal. To access these documents, investors are required to submit a fully-refundable Expression of Interest token amount. This allows investors to thoroughly review the documents and seek advice from their own legal counsel before proceeding with the payment of the balance amount required to complete the transaction. We understand the significance of informed decision-making, and our commitment to providing comprehensive legal information empowers investors to exercise due diligence and make well-informed choices. Your confidence and peace of mind are of utmost importance to us, and we strive to create a secure investment environment backed by thorough legal scrutiny.

The EOI token amount is Rs 20,000. Please refer the Return & Refund Policy to understand the mechanism governing the EOI deposit.

We offer a completely hassle-free investment and management experience. The entire process is completely paperless and digital. You can invest from anywhere, and it does not require any physical presence when investing through the SPV structure. For direct ownership of property based investments, you are required to be physically present for property registration.

Yes absolutely. Property visits can be arranged. Please write an email to investor.relations@finplify.in with your preferred date and time, our team will have the visit arranged for you.

You need to e-sign your part of the entity incorporation documents provided on the platform to onboard as a shareholder. Our investor onboarding team will guide you through the process.

The investor will receive shares of the SPV proportional to their share of ownership in the asset. Investors will also be provided digital proof of ownerships which are digital share certificates proving their ownership in the SPV.

For the rental-generating properties and fixed income instruments, your returns will be credited monthly to your registered bank account. For other assets, investors can expect capital appreciation and returns will be realised only after sale of the asset or completion of the tenure.

As a seller, you have the autonomy to determine the selling price/share based on your anticipated returns, holding period, and market growth.

We charge a small convenience fee of 1% of the transaction value when one sells their units of ownership through our platform.

Yes, you must sign the share transfer form to sell the shares and exit from the SPV. For direct-ownership investments, the sale needs to be registered in the local sub-registrar’s office.

1. Special Purpose Vehicle (SPV): Investments are often structured through a Special Purpose Vehicle, which is typically established as a private limited company. The purpose of the SPV is to bring together like-minded individuals who share a common goal of generating a stable rental income.
2. Registered Entity: The SPV is a registered entity under the Companies Act of 2013. All shareholders of the SPV are considered investors in the underlying real estate asset.
3. Management and Compliance: Finplify, our organization, assists in the management of the SPV. We ensure that the SPV complies with relevant regulations and guidelines, providing a secure and legally compliant investment structure.
4. Digital Investment Experience: Finplify offers a hassle-free and fully digital investment experience. Shareholders own shares of the SPV in proportion to their ownership in the underlying asset. This enables easy monitoring and management of investments through our platform.
5. Escrow Account: For each property, a separate Escrow account is established. This account is monitored by a Trustee registered with the Securities and Exchange Board of India (SEBI). The purpose of the escrow account is to pool funds from investors and facilitate payments for property purchases and other associated costs. Additionally, the escrow account is utilized for the disbursement of monthly rental income to investors.
6. Share Transfer: If investors wish to exit their investment, they have the option to transfer their shares to incoming investors. They can initiate this process by getting in touch with our Investment Manager, who will guide them through the share transfer procedure.

Here are some important points to consider:

1. Document Provision: Once you have expressed interest in the investment opportunity by providing the token amount, Finplify will provide you with all the relevant documents related to the property. These documents include legal agreements, property details, financial projections, and other necessary information.

2. Legal Opinion: As part of our commitment to transparency and investor confidence, we also provide a legal opinion from a reputed lawyer. This lawyer conducts a thorough due diligence process to ensure the property titles are clear and free from any legal encumbrances. The legal opinion serves as an additional layer of assurance regarding the legal aspects of the investment opportunity.

3. Engaging with an attorney or lawyer independently is entirely your choice and may depend on your personal preference or specific circumstances. While we provide comprehensive documentation and a legal opinion, some investors may still opt to seek independent legal advice to further assess the investment opportunity.

Should you decide to engage with an attorney or lawyer, we recommend choosing someone experienced in real estate and investment matters. They can review the provided documents, conduct their own due diligence, and offer personalized advice based on your specific requirements and concerns.

To streamline the process, please follow these optimized steps:

Sign Expression of Interest: Begin by signing an Expression of Interest to confirm your commitment. Additionally, remit 5-10% of your investment amount through the provided payment gateway.

Receive Drawdown Notice: Once the investment opportunity has received 100% commitment from all interested investors, you will receive a Drawdown Notice. This notice will inform you that you can remit the remaining funds required for your investment.

Shareholders Agreement: Proceed with the Shareholders Agreement for the Special Purpose Vehicle (SPV) created to hold the asset. The SPV will also execute the Asset Management Agreement with Finplify. You will need to provide a consent letter for this purpose.

Resale/Liquidation: In the event of resale or liquidation of your holding in the SPV, you will be required to complete securities transfer documentation. This includes a request letter for the transfer of securities, a deed of adherence to the Shareholders Agreement, and securities transfer forms.

E-Signing Process: All these documents can be executed through an e-signing process. There is no need to sign physical copies, as the entire process is digital. This ensures speed, transparency, and convenience, with an audit trail for each document.

By optimizing the investment process in this manner, we aim to provide you with a completely digital, efficient, and user-friendly experience.

1. Expert Team and Reputed Law Firms: We have an expert team comprising of reputed law firms experienced in real estate and investment matters. These professionals play a crucial role in conducting technical and legal due diligence for each investment opportunity.

2. Technical and Legal Due Diligence: Our team performs a comprehensive technical and legal due diligence process for every property listed on our platform. This involves a meticulous examination of various aspects, including property titles, encumbrances, legal documentation, and compliance with relevant regulations.

3. 25-Point Checklist: To maintain a high standard of quality and ensure that property titles are in the clear, we follow an exhaustive 25-point checklist. This checklist covers essential elements related to property ownership, legal documentation, and compliance requirements.

4. Stringent Criteria: Only properties that successfully pass our rigorous due diligence process and sufficiently match our criteria are listed on our platform. We prioritize transparency and investor confidence by offering opportunities that meet our strict standards.

5. By leveraging our expert team, reputed law firms, and comprehensive due diligence procedures, we strive to provide investment opportunities with clear property titles and minimize any potential risks.

Yes, we believe in transparency in all our processes. Investors will have access to all the property related documents including the Lease/Rental Agreement/ Deed which the investors can access through our mobile application.

At Finplify, we prioritize the security and privacy of our platform and investor data. Here are the measures we take to ensure the confidentiality and protection of your information:

1. Encryption: All data stored in our platform is encrypted using robust encryption algorithms. This ensures that your personal information remains secure and protected from unauthorized access.

3. Best-in-Class Security Measures: Our platform is built using industry-leading security practices and technologies. We implement stringent security measures, including firewalls, intrusion detection systems, and regular security audits, to safeguard against potential threats.

4. Privacy Measures: We are committed to maintaining the privacy of our investors' data. We adhere to strict privacy policies and guidelines, ensuring that your personal information is treated with the utmost confidentiality. We do not share your data with any third party without your explicit consent, except as required by law.

5. Data Protection: We comply with applicable data protection laws and regulations to safeguard your personal information. We have implemented internal controls and procedures to ensure that your data is handled securely and in compliance with applicable privacy standards.

By adopting these security and privacy measures, we strive to provide a safe and secure environment for our investors. Your trust and confidence in our platform are of paramount importance to us.

Each property Special Purpose Vehicle (SPV) established through Finplify remains as a separate legal entity for property holding, tax, accounting, liability, and member ownership purposes. Regardless of the status of Finplify Technologies Private Limited, the assets and the property shares held within an SPV would remain independent and unaffected.

In the event that Finplify were to go out of business, the SPVs and their respective properties would continue to exist as separate entities. Your investment in a specific SPV would remain intact, with its ownership, legal rights, and associated benefits preserved.

We understand the importance of safeguarding our investors' interests, and our structure ensures the separation of assets and operations between Finplify and the individual SPVs. This provides an additional layer of protection for your investment.

The rental income received by investors are taxed as per tax slab of each individual and in the hands of the investor. Resident Indians receive monthly returns from the SPV after a 10% Tax Deducted at Source (TDS) deduction, while NRI investors have a 20.8% TDS deduction. To potentially reduce TDS, Resident Indians can submit Form 15G/15H, and NRIs can provide a Tax Residency Certificate (TRC) and explore benefits under the Double Taxation Avoidance Agreement (DTAA) with their respective country

The tax treatment in any capital asset would largely depend on the timing of the sale and our endeavor will be to provide tax effective returns to the investors, within the regulatory framework. The SPV pays the tax payable on Capital gains at an entity level and post-tax returns are distributed to the investors. Profit share from an SPV is exempt u/s 10(2A) of the Income Tax Act, hence this distribution is tax exempt. However, this tax exempt income needs to be disclosed in the ITR.

Taxation would be at the time of selling the shares of the SPV. Indexation would be applied on the cost to each investor. We recommend to check with your Chartered Accountant(CA) for the taxation of this income.

No. Such transactions do not fall under transfer of Immovable property u/s 194 Income Tax Act. This would be transfer of shares in a Private Limited Company or transfer of listed debentures in a Private Limited. You may consult with your Chartered Accountant / tax advisor for detailed tax implications

The typical deductions that are applicable to investors are tax deduction at source for rental income, property taxes and property management fees.

Yes, the TDS on your income is paid and deposited against your PAN and can be claimed back at the end of the year.

How can I get a TRC? A Tax Residency Certificate (TRC) is issued by the country where you currently reside. India has a Double Tax Avoidance Agreement (DTAA) with numerous major countries, which can lower the Tax Deducted at Source (TDS) thresholds to 10-15% (depending on the DTAA provisions). However, to avail the reduced tax rate, you must provide a TRC. We recommend consulting with your tax advisor to understand the process of obtaining a TRC from your country of residence.

Yes, NRIs can invest in all the opportunities available on the Finplify platform. Our platform helps NRIs to seamlessly invest in high growth/yield properties without the need to visit properties and being present in India to purchase and manage their investments. They can invest from the country they are currently residing within few minutes and own real estate in India.

The money has to be transferred via an INR denominated account. Investors can transfer money using a NRO/NRE account.

Under Indian Income-tax law, a Non-resident Individual (NRI) is required to pay tax on any Indian sourced or received income in NRO account that exceeds the basic exemption limit, as per applicable slab rates. We are mandated by the government of India to withhold 10% of the income at source even if the income is below the basic exemption limit. NRIs can claim refund of the taxes withheld when they file tax return in India.

Payouts will be made to the investors to the account they have provided on the platform during the KYC process. We recommend to provide your NRO account as compared to an NRE account due to additional compliance obligations from RBI for the investor.

Due to privacy concerns of each individual, we will not be able to provide personal details of each investor. However, as we strive to provide transparency, we create a Whatsapp group for each of the property for the shareholders to interact.

The platform charges an acquisition or platform fees at the time of the investment and a yearly management fee for the management of the SPV and maintenence of the property.

Finplify does the heavy lifting of taking care of the asset management and legal and regulatory complainces of the SPV ensuring a hassle-free investment experience for the investors.

1. Increased Liquidity: By listing assets on the Finplify platform, owners can unlock liquidity and access a larger pool of potential investors. Fractional ownership allows for smaller investment amounts, attracting a broader range of investors who may not have the means to invest in the entire asset individually. This increased liquidity can help expedite the sale or monetization of the asset.

2. Diversification: Fractional ownership allows asset owners to diversify their investments across multiple properties or assets. Instead of being limited to a single property, owners can divide their asset into fractional shares and attract a diverse set of investors. This diversification strategy can help spread risk and reduce exposure to a single property or market.

3. Access to a Larger Investor Base: The Finplify platform provides access to a larger pool of potential investors. By opening up ownership to fractional shares, asset owners can tap into a wider network of investors who are specifically interested in fractional real estate investment opportunities. This can help attract investors with varying investment preferences, geographical locations, and risk profiles.

4. Simplified Management and Administration: Finplify handles the management and administration of the SPV. This relieves asset owners from the burden of individual property management tasks, such as tenant management, property maintenance, and paperwork. The platform offers streamlined processes and digital tools to facilitate efficient management and communication with investors.

5. Potential for Increased Returns: By attracting a larger investor base and offering fractional ownership opportunities, asset owners have the potential to maximize returns on their assets. The increased liquidity, diversification, and access to investors can contribute to higher demand and potentially higher valuation of the fractional shares. This, in turn, results in enhanced overall returns for the asset owners.