Cashflow
Assured returns from day one
8–10% annual contractual returns, paid monthly from the date you book. The principal asset escalates ~13% every four years across published payment milestones.
The model
You own. We operate. Returns from day one.
Fine Acers' sale-leaseback model gives NRI / HNI investors a freehold residence inside a branded resort — and assured income from the day of booking. Not on possession. Not on construction milestones. Day one.
The structure
Three parties. One agreement. Day-one returns.
- Day-one cashflow. The lease begins when you book, not when the property hands over. Returns are paid monthly from contract signing.
- Whole-unit freehold. Your name is on title for a specific unit — apartment, villa, or plot. You can sell, gift, or pass it on under standard property law.
- Brand-operated, hotel-grade. Wyndham, Royal Orchid, or a Fine Acers-owned brand (KAMAH / The Ame / EleMint) runs the property. You don't manage tenants, repairs, or off-seasons.
What an owner receives
Three benefits. One ticket.
Lifestyle
Complimentary holidays across the portfolio
Use any Fine Acers property for personal stays — Goa, Jawai, Udaipur, Coorg, Sakleshpur, Jaipur, Pushkar. The same agreement that pays your income also gives your family the keys when you want them.
Celebration
One destination wedding at your property
Owners receive one complimentary destination wedding at the resort they own — covering venue, accommodation, and the full hospitality programme. A category we call Wellness Wedding for the KAMAH brand.
The model in practice
Seven verified facts about how this works.
- Approximately 70% of every property’s inventory is sold to individual investors
- Inventory is leased back into a professionally managed rental pool
- Investors do not manage operations — the hospitality operator handles everything
- Annual returns are contractually structured — 10% KAMAH · 9% Dolce by Wyndham · 8% Wyndham Grand and Regenta · 13% escalation every four years
- 25 complimentary nights per year, every year, across the Fine Acers portfolio
- One destination wedding event included at the property you own
- Structured buyback options for long-term liquidity
Macro context
The hospitality investment opportunity in India.
-
US$60B
Tourism and hospitality sector projected to reach by 2028
-
10.8% vs 8%
Hotel demand growth annually vs. supply growth
-
~29,000
Luxury rooms nationwide — a structural supply gap
-
US$130B
India’s wedding industry — directly relevant to destination resort returns
“With India’s tourism and hospitality sector projected to reach US$60 billion by 2028, the combination of steady returns and lifestyle benefits is attracting investors seeking both financial and experiential value.”
Asian Hospitality, March 2026
vs traditional buy-to-let
Why this works for NRI / HNI investors.
| Traditional buy-to-let | Fine Acers sale-leaseback | |
|---|---|---|
| When returns start | On possession (2–4 years) | From day one of booking |
| Who manages tenants | You / a local agent | Hotel operator (Wyndham / Royal Orchid / KAMAH) |
| Off-season risk | Yours — vacancy, deposits, repairs | Operator's — your income is contractual |
| Personal use | Conflicts with rental income | Complimentary stays built in |
| Brand-grade upkeep | Depends on agent | Hotel-grade SOPs |
| Exit | Local market resale | Standard freehold resale + brand-managed asset |
Questions investors ask first
Sale-leaseback FAQ
What is the actual ownership structure?
You receive freehold title for a specific apartment, villa, or plot at a Fine Acers property. The unit is on land registered to you. You sign a long-term lease with the operating entity, which then runs the property as a branded resort or residence.
Is "assured" a contractual term?
Yes. Assured returns sit in the lease agreement between you and the operating entity — a contractual obligation, not a marketing claim. Indian regulators reserve certain language for instruments backed by specific capital structures, which is why Fine Acers uses "assured" / "contractual" throughout. The economic outcome for investors honouring the agreement is the same as any other contractual return arrangement.
Can income and proceeds be repatriated to my home country?
Yes, subject to current Indian FEMA regulations. Rental income from an NRI-owned property is repatriable through standard NRO / NRE accounts after applicable tax. We walk through this end-to-end with an advisor during the discovery call.
What happens if I want to sell before the lease ends?
You can sell on the open market like any freehold property. The brand operating agreement transfers to the new owner so the assured-return arrangement continues. Most exits to date have been resales between investors within the Fine Acers community.
What's a minimum ticket size?
Currently from approximately ₹51 L (KAMAH Coorg studio) up to ~₹6 Cr (larger villas). Most active inventory sits between ₹1.2 Cr and ₹3 Cr. Use the ROI calculator to model a specific property and ticket.
How does the "destination wedding" benefit work?
Owners receive one complimentary destination wedding at the property they own — covering venue, accommodation for a defined guest count, and the operating partner's standard wedding programme. Booking is subject to date availability and is typically planned 9–12 months in advance.
Take the next step
Get the full investment overview.
We'll send the Fine Acers 2026 investment overview — full sale-leaseback model, property inventory, ticket sizes, payment plans, and the NRI / FEMA primer — by email in approximately 60 seconds.