Real Estate•2 min read•
The NRI Strategy Map: Yield vs. Growth vs. End-Use
Kanav Arora
Real Estate Investor
The Direct Answer
Most NRIs fail because they mix goals. They want a "holiday home" (End Use) that also gives "high rent" (Yield) and "doubles in price" (Growth). This unicorn doesn't exist.
- For Yield: Buy Commercial Office/Retail (6-8%).
- For Growth: Buy Land in emerging corridors (Mopa, Dholera).
- For End Use: Buy a Premium Apartment in a city center.
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The 70/30 Safety Rule
If you are under 45, allocate 70% to Growth Assets (Land/Plots) and 30% to Safe Assets (Completed Apartments). Land requires patience (5-10 years) but creates generational wealth. Apartments are liquid but stagnate in value.
The 3 Archetypes
1. The Passive Rent-Seeker
- Goal: Monthly income to support retired parents in India.
- Buy: Pre-leased Commercial Office or High-Street Retail.
- Avoid: Residential Apartments (Rental yield is only 2-3%).
2. The Growth Hunter
- Goal: 3x Capital Multiplier in 10 years.
- Buy: Plot layouts in satellite cities (e.g., Near Jewar Airport, Mopa Airport).
- Avoid: Saturated markets like South Mumbai or Central Delhi.
3. The "Homeward Bound"
- Goal: A place to return to in 5-10 years.
- Buy: Gated Community Villa or Luxury Apartment.
- Focus: Quality of life, amenities, medical access. ROI is secondary.
Kanav Arora
Real Estate Investor
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