Why India’s Wealthy Prefer Rental Engines Over Luxury Flats in 2025

India’s ultra-rich are abandoning the conventional “buy a luxury 3-BHK” playbook in favour of a finely tuned, ₹20-crore capital-stacking strategy, says luxury real-estate advisor Aishwaraya Shri Kapoor. In a LinkedIn post dissected by Business Today, Kapoor outlines how top-tier families now split their money across three asset classes designed to serve distinct wealth goals.

First, about ₹7 crore is parked in an under-construction branded residence—think Marriott or Westin projects bought at launch prices. The bet is prestige plus a potential 2× exit once the property is ready and the developer hikes rates. Second, another ₹6 crore flows into a pre-leased small commercial unit in a high-yield micro-market, targeting a dependable 7-9 percent annual rental return that functions as a “rental machine.” Finally, the remaining ₹7 crore secures a titled land parcel in hotspots such as Gurugram, Goa or Sohna, where scarcity can drive 3-5× appreciation over the long term, all while remaining relatively tax-efficient.

Kapoor argues that this three-part mix anchors lifestyle, generates cash flow and builds legacy simultaneously—compounding wealth rather than merely spending it. For India’s top 0.01 percent, flats are passé; engineered portfolios with predictable yield and strategic exits are the new status symbol, designed to outlast market cycles and even generations.