"We are finally seeing the 'fintech-ization' of real estate."
Rahul Mehta discusses the convergence of finance and property technology.
Real estate has historically been the most illiquid asset class. That is changing rapidly with fractional ownership and tokenization.
Platforms that allow retail investors to buy a slice of a commercial building for as little as ₹10,000 are democratizing wealth creation. This was previously the playground of the ultra-wealthy.
But regulation is key. The SEBI's SM REIT guidelines are a massive step forward. It brings trust and transparency to a sector that desperately needed it.
The next big wave? Mortgages. The approval process is still archaic. We expect end-to-end digital mortgage processing to become the standard within 2-3 years, driven by account aggregators and digital identity stacks.
