REITs + Realty in 1 Fund: Is ₹100 Enough to Start?

A new index fund lets you invest in REITs and real estate stocks for as little as ₹100. It tracks an index combining listed property companies and REITs, giving ordinary investors affordable exposure to India's property market without buying a flat.

Here's what happened: Navi AMC launched an index fund tracking the Nifty REITs & Realty Total Return Index, combining listed REITs and real estate stocks in one product.. The NFO opens September 1, 2026, with a minimum investment of just ₹100, making it one of the most accessible real estate investment vehicles available to retail investors.. The fund is passively managed, meaning it replicates the index without active stock-picking, which typically results in a lower expense ratio compared to actively managed real estate funds..

What you should do: Check your existing portfolio allocation — if real estate exposure is zero, even a 5-10% allocation through this fund can add diversification without the illiquidity of physical property.. Compare the fund's expense ratio (once disclosed post-NFO) with existing REIT-focused funds and active real estate mutual funds before committing a large SIP amount.. Understand the tax treatment before investing: REIT dividend payouts are taxed at your income slab rate, so higher-income investors should factor this into their net yield calculation..

REITs must distribute at least 90% of net distributable cash flows — this makes the dividend yield component relatively predictable compared to equity mutual funds. Use it for income-plus-growth blending in your portfolio.