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Case Study #2
Building Retirement Income Business.
Business Owner | Surat, India
Investor Profile
CLIENT
Business Owner
ORIGIN
Surat, India
Monthly Investment
₹7–10 Lakhs
Primary Goal
Retirement Income
Secondary Goals
- • Wealth Creation
- • Flexible Structure
- • Minimal Impact
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The Challenge
"My business is doing well today, but I know it may not continue at the same pace forever. I want to use today's success to secure tomorrow's lifestyle."
However, he did not want to withdraw a large lump sum from his company... instead, he was comfortable investing ₹7–10 Lakhs per month from his business cash flow.
"Strategic Precision."
VEDVI's Solution
After understanding the investor's financial situation and goals, VEDVI identified a project located in a high-demand area where rental demand was expected to remain strong.
Property Selected
1 Bedroom Apartment with Private Swimming Pool
₹3.25 Crore
Property Valuation
payments
₹6.5 Lakhs
Monthly Payment (2% Plan)
Comfortably within the ₹7-10L budget
Negotiated Privilege
Why this deal was Special
The developer normally did not offer such a flexible structure. VEDVI worked closely with the developer and successfully negotiated a customized payment plan based on the investor's cash-flow requirements.
"Built a valuable asset without affecting working capital."
trending_upTimeline & Appreciation
Handover Timeline3 Years
Original Price₹3.25 Cr
Value at Handover₹5.20 Cr
Total Capital Gain
₹1.95 Crore
Appreciation
60%
account_balance_walletPost-Completion Yield
Annual Rental Yield9%
Monthly Rental Income₹3.90 Lakhs
Annual Rental Income₹46.80 Lakhs
Yield on Cost
14.4%
Yield on Market
9.0%
During Final Payment Period
Monthly Installment₹6.50 Lakhs
(-) Monthly Rental Income₹3.90 Lakhs
Net Monthly Outflow₹2.60 Lakhs
"Rental income covered a significant portion of the commitment."
After Full Completion
Remaining Balance₹0
Monthly Free Cash Flow₹3.90 Lakhs
Annual Free Cash Flow₹46.80 Lakhs
verified
Strategic Retirement Secured
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Strategic Takeaway
The investor did not need to withdraw crores from his business. By investing just ₹6.5 Lakhs per month, he built a ₹5.20 Crore asset generating nearly ₹47 Lakhs per year in rental income, while preserving the cash flow of his business.