Investor FAQ
Asked before every booking. Answered in writing.
The 22 questions NRI and international investors put to us most often — title, the lease, money in and out, exit, eligibility, process — answered the way a private bank would: plainly, with the caveats included.
What you actually own
Ownership & title
What exactly am I buying — is this a timeshare or a club membership?
Neither. You buy a complete, individually registered residence inside a branded resort — a whole unit, not a share of one. The sale deed is executed and registered in your name (or your entity’s) under Indian property law, exactly as any freehold home would be. A timeshare sells you weeks; a club sells you access. This is freehold title to real property, with a lease attached that pays assured returns from day one of booking. The full structure is set out in why your capital is protected.
Whose name is on the title deed?
Yours. The sale deed registers the unit to you, or to the entity you nominate, at the sub-registrar’s office with stamp duty and registration paid — the same machinery as any Indian freehold purchase. Fine Acers does not hold the title on your behalf, and the operator never appears on it. Your ownership survives the brand, the operating company, and any future change of operator: whatever happens commercially, the asset on the deed is yours to keep, lease, or sell.
What is the RERA status of the projects?
Projects are registered with the relevant state real-estate regulatory authority (RERA) where the law requires it. Registration is state-specific and project-specific, so each property carries its own status and registration number. We share the applicable RERA details, approvals, and title documentation for your shortlisted property as part of the diligence pack before you book — so your lawyer reviews primary documents, not marketing claims. Ask for the pack on a discovery call.
What happens to my ownership if the operator changes or runs into trouble?
Your title is independent of the operator. The freehold registers in your name; the operating brand runs the resort under the lease framework. If the operating company were ever replaced, the deed in your name does not change — and the obligations under the lease sit with the Fine Acers side of the table, which carries every operating risk: occupancy, staffing, maintenance, marketing. This separation — asset in your name, operations on the operator — is the core of the sale-leaseback structure.
How the income works
Returns & the lease
How do the 8–10% assured returns actually work?
You buy the residence, and you simultaneously sign a lease with the operating entity that runs it as part of the resort. Under that lease you receive assured returns of 8–10% a year depending on brand tier — contractual commitments in writing, not projections. They are not a share of room revenue, and they do not move with the seasons. Model the cash flows for any property on the ROI calculator, or read the sale-leaseback model end to end.
When do my returns begin — at booking or at possession?
From day one of booking. Returns accrue on what you have paid in from the date you book — not from possession, not from construction milestones, not from the resort opening. This is the single biggest difference from conventional under-construction property, where capital sits idle for years before the first rupee of rent arrives. The day-one rule applies across the ROI-bearing portfolio and is written into the lease documentation you review before paying.
Are my returns linked to hotel occupancy?
No. The lease pays a contractual return; the operator absorbs the seasonality. If the resort has a strong winter or a quiet monsoon, your lease terms do not change — occupancy risk, staffing, maintenance, utilities, OTA commissions, and marketing all sit on the operating side. That is the trade at the heart of the structure: the operator takes the upside of running the resort well, and you take a defined, contractual income stream that does not depend on it.
What is the 13% escalation every 4 years?
The asset value steps up contractually by 13% every 4 years, applied to the principal — so the base your returns and your exit are measured against rises on a written schedule rather than on appraisal opinions. Over a typical holding period this compounds meaningfully; the ROI calculator shows the year-by-year effect for each property. The escalation framework is also what defines “appreciated value” when the buy-back is exercised.
FEMA · repatriation · taxation
Money in, money out
Should I pay from an NRE account, an NRO account, or remit directly?
All three routes work under FEMA. Most NRI buyers pay through an NRE account or by direct inward remittance from their overseas bank, because principal routed that way remains freely repatriable. NRO funds can also be used, with repatriation subject to the standard FEMA ceiling. The right choice depends on where the money sits today and on your home-country tax position — we map it during diligence, and your bank executes it as routine NRI business. Corridor notes: Dubai, Singapore, London, Sydney.
Can I repatriate the lease income to my country of residence?
Yes. Lease income credits your NRO account in India. After applicable Indian tax it is remittable abroad with standard banker certification, and NRO balances may be repatriated up to USD 1 million per financial year under current FEMA rules — far above what these ticket sizes produce in income. The mechanics are routine for any bank with an NRI desk. Confirm the current procedure and documentation with your bank and tax advisor before your first remittance.
How is the income taxed?
India taxes the lease income because the property is in India — tax is deducted at source at the applicable NRI rate, and standard property-income deductions apply. Your country of residence then applies its own rules: the UAE levies no personal income tax, while the UK and Australia tax worldwide income but credit the Indian tax under their double-taxation avoidance agreements with India, so the same income is not taxed twice in full. We issue a tax-ready annual statement; your advisor confirms your personal position.
What taxes apply when I buy, and when I sell?
On purchase: state stamp duty and registration charges apply, and where you buy from a resident seller, tax of 1% is deducted at source on the consideration under section 194-IA above the prescribed threshold. On sale: capital gains tax applies, with the rate and any indexation depending on your holding period and the rules in force in the year you sell — confirm the current computation with your tax advisor. Sale proceeds then repatriate under the same FEMA framework as income, and we provide the documentation trail your accountant needs at both ends.
Getting out, on your terms
Exit — resale & buy-back
Can I sell whenever I want? Is there a lock-in?
There is no lock-in and no exit penalty in the ownership structure. Your unit is yours to list and sell on the open market at any time, to any buyer. The lease transfers with the unit, so a buyer steps into the same contractual income stream from completion — which is precisely what makes a leased, income-producing residence more liquid than an empty flat. The liquidity logic is unpacked in why your capital is protected.
How does the buy-back guarantee work?
Fine Acers commits, in writing and before you book, to buy your unit back at its appreciated value — with appreciation following the contractual escalation framework of 13% every 4 years. It is an exit you can read in the documentation rather than a verbal assurance, and it functions as a floor under your investment: a defined buyer at a defined price basis, available if you ever want out. The terms sit in the agreement pack your lawyer reviews during diligence.
What if the open market offers more than the buy-back?
Then sell on the open market — the buy-back guarantee is a floor, not a cap. You are never obliged to exercise it: you remain free to hold, to sell to any buyer at any price the market offers, or to fall back on the written exit when you value speed and certainty over negotiation. In a rising micro-market the open market will usually be the better trade; the buy-back exists for the day it is not.
Who can buy
Eligibility — NRI · OCI · foreign nationals
Can NRIs and OCI cardholders buy?
Yes. Under FEMA, NRIs and OCI cardholders may acquire residential and commercial property in India without prior approval — the restricted categories are agricultural land, plantation property, and farmhouses, none of which describes these branded residences. There is no cap on the number of residential properties an NRI may hold, and title registers in your name exactly as for a resident buyer. Corridor mechanics for Dubai, Singapore, London, and Sydney are mapped on their own pages.
Can foreign nationals without OCI invest?
Generally, a foreign national resident outside India cannot purchase immovable property in India — the FEMA route exists for NRIs and OCI cardholders. The exceptions are narrow: inheritance, certain categories of long-term residents in India, or specific Reserve Bank approval. Where a family spans passports, the practical answer is usually to hold through the family member with NRI or OCI status. Bring the specifics to a discovery call and we will tell you plainly whether a compliant route exists.
Can I hold the unit jointly — with my spouse or resident family?
Joint holding between NRIs and OCI cardholders is straightforward and common — spouses typically register together. Joint holding with a resident Indian family member is possible in defined cases under FEMA, and the right structure depends on who funds the purchase and how succession should run. We see a handful of standard patterns and will walk you through them during diligence, with your counsel confirming the final shape before the deed is drawn.
From first call to registered deed
Process
Can I complete the entire purchase from abroad?
Yes — most of our investors do. KYC completes remotely, payments move through normal banking channels, and signing is handled either on a visit or through an attested power of attorney prepared in your country of residence. Fine Acers maintains contact points in Dubai, Singapore, London, and Sydney alongside the India offices, so the paperwork happens in your time zone. Start with a discovery call and we will sequence the steps for your country.
What documents do I need as an NRI buyer?
The standard set: passport (with visa or residence permit), PAN card — we assist with a fresh application if you do not hold one — overseas address proof, photographs, and your NRE/NRO account details for payment routing. OCI cardholders add the OCI card. If you buy through a power of attorney, the POA needs notarisation and attestation in your country of residence. We share a one-page checklist at booking; nothing on it is exotic.
How are payments structured?
Payment plans are project-specific — typically construction-linked or possession-linked schedules set out in the agreement for sale, with the plan for your unit shared before you book. Two things hold regardless of plan: your returns accrue from day one of booking on amounts paid in, and every instalment moves through the same compliant banking channels as the first. Browse current properties for ticket sizes, then ask for the payment schedule on the one you shortlist.
What does the process look like, end to end?
Six steps. A discovery call to map ticket size, brand tier, and destination. A shortlist with the diligence pack — title, RERA, lease terms, payment plan. Unit selection and booking, from which date your returns begin. Agreement for sale and lease documentation, reviewed by your counsel. Registration of the sale deed in your name. Then the ownership rhythm: lease income on schedule, complimentary holidays across the portfolio, and an annual tax-ready statement. Most investors run the whole sequence in a few weeks.
A question we missed?
Ask it directly — tickets ₹56 L – ₹13.51 Cr, 8–10% assured returns from day one of booking, and every answer above holds in writing before you commit.
General guidance, not personal tax or legal advice. Commercial terms are subject to the executed agreement for sale and lease deed. See the investment disclaimer.