Bengaluru is witnessing a shift in real estate finance as Alt, a technology-driven investment platform, has launched Alt Credit, a regulated private credit platform providing individual investors access to institutional-quality real estate lending. This development marks a significant milestone in India’s alternative investment ecosystem, opening opportunities previously confined to institutional investors.
The platform operates under SEBI’s regulation as both a stock broker and an Online Bond Platform Provider (OBPP) on the NSE, ensuring transparency, governance, and digital execution of investments. Alt Credit allows investors to deploy capital starting from Rs 25 lakh into high-yield credit instruments, offering targeted returns of 14-18 per cent on real estate-backed debt and 10-14 per cent on private corporate bonds. These instruments come with structured safeguards such as escrow mechanisms, trustee oversight, and institutional-grade underwriting frameworks. India’s private credit market has been growing rapidly, with real estate accounting for over 40 per cent of private credit issuance in the first half of 2025. The launch of Alt Credit is poised to democratise this asset class, enabling retail investors to participate in secured lending backed by commercial, residential, and mixed-use projects. Industry experts note that such platforms can deepen capital markets, reduce reliance on traditional bank financing, and improve funding liquidity for developers while giving investors predictable income streams. The platform is led by Chief Investment Officer Mayuresh Saoji, who brings over 18 years of institutional real estate and private credit experience. His prior experience at Altico Capital, part of a global asset management firm, involved managing senior secured structured credit transactions exceeding $500 million across office, residential, IT SEZ, retail, and integrated township projects. His expertise is expected to underpin Alt Credit’s risk management, portfolio structuring, and project selection.
Alt Credit builds on Alt’s earlier innovations, including Property Share, India’s first regulated Small and Medium REIT, which pioneered fractional ownership of institutional-grade office assets. With over 300,000 users and $250 million in assets under management, Alt aims to leverage technology to offer retail investors access to alternative real estate investments previously reserved for global funds and institutional players. Analysts point out that platforms like Alt Credit could play a pivotal role in broadening India’s private credit ecosystem, offering investors a new income avenue while supporting developers with flexible, structured funding solutions. By combining regulatory oversight, technology-enabled transparency, and institutional-grade due diligence, Alt Credit sets a precedent for responsible, scalable private credit access for individual investors.
The move also signals growing maturity in India’s alternative finance market, where technology-driven platforms are increasingly bridging the gap between retail capital and institutional-quality investment opportunities, potentially reshaping real estate financing over the next decade.
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Alt Launches Platform for Individual Real Estate Credit
