How does property trading work on the GHL India platform?

GHL India specializes in turning old, rundown properties into profitable investments. We focus on acquiring high-demand properties cheaply at bank auctions, making them more valuable through improvements.

What type of properties are being traded by GHL India?

Foreclosure properties through Bank REO Auctions and Private Auctions are being traded by us.

How wholesale trading is done at GHL India?

GHL India engages in wholesale trading by finding suppliers with a client base of at least 10, catering to institutions like universities and hospitals. We procure high-quality fruits, vegetables, and groceries at low costs to support business expansion, ensuring a monthly profit margin of 2.5 to 3%.

How do investors participate in wholesale trading opportunities?

Investors keen on wholesale trading can explore available opportunities via GHL India's platform and join in co-investment.

What are the advantages of engaging in wholesale trading through GHL India?

Investors can become simple partners of LLP to enjoy 19.20% p.a as tax-free income.

Are there minimum investment requirements for participating in GHL India's offerings?

Minimum investment requirements can vary based on the investment opportunity. For example, to participate in a secured debenture or wholesale trading, a minimum investment of 1 lakh is required.

What are the different investment options available through GHL India?

GHL India provides investment opportunities such as wholesale trading of consumable goods and secured debentures.

Does the investor have tax deduction on their return?

Yes. TDS will be deducted @ 10% on interest amount as per the provisions of section 193 of Income Tax 1961.

Can investor claim TDS deducted as a refund while filing their Income Tax return?

Yes. Investor can claim TDS deducted while filing return of income tax. TDS certificate Form 16A will be provided by GHL India on quarterly basis.

Does my ITR filing process change?

No, Salaried person can keep filing ITR-1.

Is there a difference in the income tax filing process for an NRI Investor when compared to the domestic investor for the interest earned through debenture?

The process of filing Income tax will remain same for an NRI investor as it is for an India resident investor.

Does the investor have tax deduction on their return?

No, LLP pays the tax on profit and then distribute the return to the Investors. The income from partnership firm is not taxable in the hands of partners under Section 10 (2A) of the Income Tax Act.

Can investor claim tax paid by the LLP as a refund while filing their Income Tax return?

No, income tax paid by LLP is not eligible for refund in the hands of partners.

How does my ITR filing process change?

You become partner to LLP hence you need to file ITR-3. Before you may have filed different ITR, but after you become partner in the LLP it is mandatory to file your income tax return in ITR-3.

As an investor in LLP, I am earning Post Tax return. Do I need to file ITR-3?

Yes, you have to file ITR-3 to show your source of income. The income generated from our platform is post-tax, hence no additional tax levied on the income.

Is there a difference in the income tax filing process for an NRI Investor when compared to the domestic investor for the profit earned from LLP?

The process of filing Income tax will remain same for an NRI investor as it is for an India resident investor.

Who is eligible to become a channel partner?

To become a channel partner, one must register as a general user on the website, achieve Rs. 25 lakhs in sales, and get promoted by executing an agreement with GHL India.

What is the remuneration of a channel partner?

The remuneration is based on the total sales of a particular month. Kindly click the following link to learn more about ithttps://www.ghlindia.com/channel-partner

How does GHL India ensure user information security?

GHL India employs strict security measures, including secure servers and adherence to guidelines, to protect user data. Information may be stored electronically or physically and processed in compliance with laws. Third-party agreements also mandate security standards. However, the company disclaims liability for internet-related breaches.

What is the scope of GHL India's Privacy Policy?

The Privacy Policy applies to the collection, receipt, storage, usage, processing, disclosure, transfer, and protection of Personal Information when using the website or availing services offered by the company through the website.

Does GHL India require to be regulated by SEBI?

No, According to Section 42 of Companies Act, 2013, an offer made to subscribe securities to not more than 200 persons is called private placement of securities. The requirement of SEBI’s regulation with respect to public issue will not apply to private placement. In compliance with the above Companies Act, 2013 provisions, GHL is issuing securities under Private Placement basis only and keeps the limit of the investors well within the limit prescribed by the Companies Act. All the fractional ownership Companies in India that issue securities in compliance with the provisions of section 42 (2) of Companies Act 2013, do not fall under the requirement of SEBI regulation. Hence SEBI does not have authority to look into the affairs of such Fractional Ownership Companies. Kindly refer to the section 42 under Companies act, 2013 from MCA website with the below link: https://www.mca.gov.in/content /mca/global/en/acts-rules/ebooks In Limited Liability Partnership structure, every investor is considered as a Simple Partner as per LLP act, 2008. There is no restriction on LLP act in admitting partners, hence any number of simple partners can be admitted. As per SEBI’s Collective Investment Scheme Regulation, any individual entity (Either Company or LLP) that collected more than Rs. 100 crore will fall under the CIS regulation. Since GHL India has not raised more than Rs. 100 crores in any of its SPV, We do not fall under the Collective Investment Scheme regulation of SEBI In future, if any of the regulatory authorities require a license for the business activity of GHL India, the license will be obtained.

Does GHL India require to be regulated by RBI?

RBI has prescribed certain activities(such as Asset Financing, Investment Company, Loan Company, Infrastructure Finance Company, Systemically Important Core Investment Company, Infrastructure Debt Fund, Micro Finance Institution, Non-Banking Financial Company – Factors, Mortgage Guarantee Companies and P2P lending) fall under its ambit under Reserve Bank of India Act . Since GHL India does not fall under any of the categories of the business activities prescribed by RBI, we are not required to obtain any kind of approval from RBI for our business operation.

Who is our regulatory body ?

At present GHL INDIA has to comply with the requirements of Companies Act, 2013 & LLP act 2008. We have issued all securities under private placement basis and accordingly e-forms have been filed with the Ministry of Corporate Affairs. So, As of now, MCA is our regulating authority

Who is eligible to invest with GHL India?

Any individual, including Non-Resident Indians (NRIs) and entities, who meet the eligibility criteria set by GHL India and regulatory authorities, can invest.

Are there any restrictions on investor eligibility based on nationality?

GHL India welcomes investors from various nationalities, subject to compliance with applicable regulations and investment policies.

What are the criteria for Non-Resident Indians (NRIs) to invest through GHL India?

NRIs need to comply with regulations set by the Reserve Bank of India (RBI) and provide necessary documentation for investment through GHL India.

What is an Alternative Investment Fund (AIF)?

An AIF is a privately pooled investment vehicle that collects funds from investors, both Indian and foreign, to invest according to a defined investment policy as approved by SEBI for the benefit of its investors.

What are the similarities & difference between Mutual Fund & Alternate Investment Fund?

Alternative Investment Funds (AIFs) is a large-scale Mutual Funds designed for sophisticated investors. Like Mutual Funds, AIFs pool money from multiple investors to create a diversified investment portfolio managed by professional fund managers. However, AIFs operate on a larger scale and with greater flexibility in investment strategies, often targeting high-net-worth individuals and institutional investors. They can invest in a wider array of assets, including private equity, real estate, and hedge funds, offering potentially higher returns. While both are regulated by the Securities and Exchange Board of India (SEBI), AIFs typically require a higher minimum investment, reflecting their larger size and broader investment scope. Essentially, AIFs offer the benefits of Mutual Funds but are designed for those seeking more significant and varied investment opportunities.

What are the categories of AIFs?

SEBI classifies AIFs into three categories: Category I AIF: Funds that invest in start-ups, early-stage ventures, social ventures, SMEs, infrastructure, or other sectors deemed as socially or economically desirable by the government or regulators. Category II AIF: Funds that do not fall under Category I and III. Category III AIF: Funds that employ diverse or complex trading strategies in listed or unlisted derivatives.

Who is the statutory regulatory authority of Alternate Investment Funds in India ?

AIFs in India are regulated by Securities and Exchange Board of India ("SEBI")

What is the Regulation governing the functions of AIFs in India?

SEBI (Alternative Investment Funds) Regulations, 2012 provide the legal framework for the registration, operation, and reporting requirements for AIFs

Is GHL India Ventures Fund registered with SEBI?

Yes. GHL India Ventures Fund is registered with SEBI. The SEBI AIF license no. is IN/AIF2/24-25/1517

Under what category GHL India Ventures registered with SEBI?

GHL India Ventures Fund is registered as Category II AIF.

Who can invest in an AIF?

Investors can be Indian, Non-Resident Indians (NRIs), or foreign, Indian entities or Foreign entities. The minimum commitment amount for an investor is typically ₹1 crore.

What are the key documents provided to investors required for investing in an AIF?

Key documents include the Private Placement Memorandum (PPM), draft Contribution Agreement, Investor on-Boarding proposal, and any other documentation outlining the terms and conditions of the investment.

What is the role of the Trustee, Sponsor and the Manager in an AIF ?

Trustee: A SEBI-registered trustee is appointed and is responsible to protect assets, ensure efficient management, ensure compliance, facilitate income distribution and risk management. Orbis Trusteeship Services Private Limited (CIN: U67190HR2020PTC086288) is being appointed as Trustee of GHL India Ventures (SEBI Reg. No. IND000000602). Sponsor: The sponsor is responsible for setting up the AIF and contributes a certain amount of the corpus, known as the sponsor commitment. Manager: The manager makes investment decisions and is responsible for managing the fund’s portfolio according to the defined investment strategy. Watermount Ventures LLP a limited liability partnership under the provisions of Limited Liability Partnership Act 2008, (LLPIN: ACE-0868) is the Investment Manager to the Trust and all its schemes.

Who is the Fund Manager?

Mr. Naman Damijha is the Fund Manager. You can review his brief profile by clicking this link. https://ghlindiaventures.com/about.html

What are the fees associated with investing in an AIF?

Investors typically pay a management fee to the Asset Management Company, which is a percentage on the corpus. There may also be performance fees, which are a percentage of the profits generated by the fund, over and above the hurdle rate.

How is the performance of an AIF evaluated?

Performance is evaluated based on the Net Asset Value (NAV) of the fund, which reflects the market value of the fund’s investments. As per SEBI AIF Regulation the Assets of the fund are valued by IBBI registered Valuer.

What are the reporting requirements for AIFs?

AIFs are required to submit periodic reports to SEBI, including monthly, quarterly and annual reports on their activities and financial status. They must also provide reports to investors as per the terms of the agreement.

Are there any tax benefits for investing in AIFs?

Category I and II AIFs are pass-through entities for tax purposes, meaning income is taxed at the investor level.

What are the reporting requirements for AIFs?

AIFs are required to submit periodic reports to SEBI, including monthly, quarterly and annual reports on their activities and financial status. They must also provide reports to investors as per the terms of the agreement.

Are there any tax benefits for investing in AIFs?

Category I and II AIFs are pass-through entities for tax purposes, meaning income is taxed at the investor level.

What are the exit options for invertors in an AIF?

Exit options depend on the fund’s strategy and the terms of the investment agreement. These may include buyback by the fund, secondary sales, public offerings, or other exit strategies specified in the agreement.

What are the risks associated with investing in an AIF?

Risks include market risk, liquidity risk, credit risk, and operational risk. The specific risks depend on the investment strategy and portfolio of the AIF.

How can investors grievances are addressed relate to AIFs?

Investors can address grievances by approaching the grievance redressal mechanism of the AIF. If unresolved, they can approach SEBI through the SEBI Complaints Redress System (SCORES).

FAQ

1. Registration & KYC:

How do I complete my KYC on GHL India Asset?

Log in to your account, go to the KYC section, provide the required personal, nominee, and bank details, upload the required documents, and submit the application. login tab

What documents are required for KYC?

You need to upload your PAN Card, Aadhaar Card, bank proof (cancelled cheque/e-statement/ passbook), CDSL Demat proof (optional) , and nominee identity proof (PAN card).

How can I check my KYC status?

You can check your KYC status at any time by logging into your GHL India Asset user dashboard.

FAQ

2. Investment:

What investment opportunities does GHL India Asset offer?

GHL India Asset offers investment opportunities through Secured Non-Convertible Debentures (NCDs) issued through project-specific Special Purpose Vehicles (SPVs).

Who can invest with GHL India?

Individuals and entities who meet the eligibility criteria can invest with GHL India, subject to applicable regulations and GHL India’s investment policies.

How is my investment made?

Your investment is made through a registered SPV, a dedicated company created to hold and manage the investment assets.

Is my investment secured?

Yes. The investment is backed by land assets, with security maintained through a mortgage/charge in favour of the Debenture Trustee and a charge registered with the MCA.

How long does it take to create the charge on the property?

The charge creation process generally takes 60 to 90 days( subject to any delays in obtaining approvals from the MCA) from the total fund mobilization date after the property acquisition and mortgage/charge process.

How does GHL India Asset select and verify properties?

Every property undergoes detailed legal and technical due diligence, including ownership verification, zoning checks, authority approvals, and regulatory clearances.

How does GHL India Asset’s investment model work?

GHL India Asset follows a property flipping model, where selected residential and commercial properties are acquired, improved, and sold to generate profits. Investment decisions are supported by detailed real estate market cycle analysis and PESTLE analysis.

What is the investment period?

The investment has a fixed tenure of 3 years (36 months).

What returns can I expect?

Depending on the selected investment plan, investors can earn annual returns ranging from 18% to 24%.

When will I receive my monthly returns?

Monthly return payouts are processed between the 5th and 10th of every month.

Can I withdraw my investment before 3 years?

No. These are unlisted redeemable NCDs with a fixed tenure of 36 months. Early redemption before maturity is not available as no such option has been provided under the terms of the issue.

What happens when my investment matures?

You need to submit the original Debenture Agreement and Debenture Certificate at least 20 days before maturity. After verification, the principal repayment will be processed within 20 days after maturity.

What happens in case of delay or default?

In the unlikely event of a default, the Debenture Trustee can enforce the security over the property and initiate recovery actions as per applicable laws and debenture terms.

Under which law are the NCDs issued?

The NCDs are issued through private placement under Section 42 of the Companies Act, 2013 to eligible investors.

What documents will I receive after investing?

Investors will receive a Debenture Certificate, Debenture Agreement, Debenture Allotment Letter, and an Acknowledgement Letter for the funds received.

How does the SPV and Debenture Trustee structure protect investors?

Investor protection is supported through the SPV structure, which incorporates a ring-fenced capital management model, land-backed security, a mortgage/charge created in favour of the Debenture Trustee, and trustee monitoring rights.

Can NRIs invest with GHL India Asset?

No, NRIs are currently not permitted to invest with GHL India Asset.

FAQ

3. Taxation:

Is TDS applicable on returns?

Yes. TDS will be deducted on applicable interest payments as per Section 393 of the Income Tax Act, 2026 and applicable tax regulations.

Can I claim a refund for TDS deducted?

Yes. Investors can claim TDS while filing their Income Tax Return (ITR). Form 16A will be provided by GHL India Asset every quarter.

Will investing with GHL India Asset change my ITR filing process?

No. Eligible salaried individuals can continue filing ITR-1 as per applicable tax rules.

FAQ

4. Channel Partner Program:

What is the role of a Channel Partner?

Channel Partners help GHL India Asset promote its investment products and expand its investor network.

Who can become a Channel Partner?

A user can become a Channel Partner by registering on the platform, achieving ₹25 lakhs in sales, and executing an agreement with GHL India Asset.

What is the duration of the Channel Partner agreement?

The Channel Partner agreement is valid for 3 years and may be extended based on performance review.

FAQ

5. Data Security & Privacy:

How does GHL India Asset protect user information?

GHL India Asset follows strict security measures, secure data practices, and applicable guidelines to protect user information and privacy.

What does GHL India Asset’s Privacy Policy cover?

The Privacy Policy covers the collection, storage, usage, processing, disclosure, transfer, and protection of users personal information.

FAQ

6. Regulatory Body:

Is GHL India regulated by SEBI?

No. GHL India issues investments through private placement under Section 42 of the Companies Act, 2013, which does not require SEBI regulation for public issues. It also does not fall under SEBI’s Collective Investment Scheme (CIS) regulations as its SPVs do not raise more than ₹100 crore.

Does GHL India require RBI approval?

No. GHL India’s business activities do not fall under RBI-regulated categories, so RBI approval is not required for its operations.

Who is the regulatory authority for GHL India?

GHL India complies with the Companies Act, 2013 and LLP Act, 2008. Its filings are made with the Ministry of Corporate Affairs (MCA), which is its current regulatory authority