Certus Capital To Invest INR 150 Crore In Mumbai’s Mid-Market Housing Space: MMR Real-Estate Sector Seeing Growth

The transformation of real estate in India (especially across metropolitan areas) is a reality. With the urban population of Mumbai projected to reach 18.4 million approximately by 2025, urgent need for affordable and better planned housing is in unspeakable need. As the demand continues to rise, one of the prominent institutional real estate investment firms Certus Capital has come forward with a new investment of INR 150 crores in mid-market housing projects located across the Mumbai Metropolitan Region (MMR). Developed by JSB Group and Dynamix Group, the projects are located in close proximity to Mumbai International Airport and near the busy suburb of Vasai.

The significant investment is part of Certus Capital’s larger approach towards financing mid-market and affordable housing projects across urban zones throughout India. The fact that the company has diversified its investments, with cities like Pune and Chennai, along with upcoming projects in Bengaluru and Hyderabad, goes on to show how it is trying to solve affordable housing dilemma while not veering away from their strategy of a low-risk high-return investment.

Let’s explore how this investment in the MMR aligns with Certus Capital’s vision, the potential impact on the Mumbai housing market, and what it means for investors.

Certus Capital: An Investment Strategy that Pivots to High-Yield, Low-Risk Credit in Real Estate

The fresh infusion is part of its overall play to provide INR 1,000 crores in secured credit through real estate by the end of this year fiscal, said Certus Capital. It focuses on using the top tier development deals with the best developers in India’s largest towns to benefit from who will long for high yield bonds backed by the real estate aggregate.

In the past three years, Certus Capital has successfully executed nine deals through its digital debt platform, Earnest.me, with two deals already fully exited, returning over 15% to investors. This strategic focus on secured credit and high-yield returns has attracted a substantial reinvestment rate of 77%, demonstrating the confidence that investors have in Certus Capital’s ability to deliver sustainable returns in the real estate sector.

Mid-Market Housing in Mumbai: Meeting the Demand for Affordable Urban Living

Mid-market housing, a crucial segment of the real estate market, caters to the growing middle class looking for affordable housing options without compromising on amenities or connectivity. With India’s urban centers expanding rapidly, the demand for such projects has soared, particularly in metropolitan areas like Mumbai. Certus Capital’s recent funding of INR 150 crore will help JSB Group and Dynamix Group develop 385,000 square feet of residential space in strategic locations within MMR, a region experiencing continuous growth.

These housing projects are expected to generate over INR 750 crore in revenue, showcasing the lucrative potential of mid-market housing in areas where affordability meets urban connectivity. Proximity to essential infrastructure, including the Mumbai International Airport, local transportation, and business hubs, makes these projects appealing to both homebuyers and investors.

Earnest.me: A Digital Platform Fueling Real Estate Investments

Certus Capital’s digital platform, Earnest.me, has been instrumental in its investment journey, allowing the firm to offer secure, high-yield debt investments to retail and institutional investors. Since its inception, Earnest.me has facilitated several transactions in the real estate sector, providing investors with access to secured credit opportunities.

Notably, two of the platform’s projects have already been completed ahead of schedule, achieving returns above 15% for investors. The platform’s strong performance and transparency have resulted in a high reinvestment rate, emphasizing investor satisfaction and confidence. For Certus Capital, Earnest.me is not just a platform but a cornerstone in building a diversified investment portfolio, connecting investors with promising opportunities in the growing real estate market.

Strategic Partnerships and Expansion: Certus Capital’s Broader Vision

To further strengthen its position, Certus Capital recently secured a partnership with a prominent institution managing assets worth over INR 1 lakh crore, which includes a significant INR 50 crore investment in one of Certus’s deals. This collaboration underscores the confidence that large institutional investors have in Certus Capital’s strategy and capability.

Certus Capital has also expanded its investment footprint across multiple cities, from financing projects in Pune and Chennai to scouting for opportunities in Bengaluru and Hyderabad. This diversification approach allows Certus Capital to mitigate regional market risks while tapping into India’s overall real estate growth. By partnering with experienced developers, Certus Capital aims to support mid-market housing projects in emerging cities, bringing high-quality residential options to people across the country.

Growing Demand for Affordable Housing in Urban India

Hunger for affordable housing persists to grow over Urban India

India's housing and property market is booming driven by an increasing urban population, higher disposable incomes, and government push for affordable housing. Mid-market demand, in particular for mid-market housing is strong across metropolitan regions, driven by the number of young professionals and an expanding middle class (as companies expand).

While the Certus Capital investment helps address this demand, it is critical that investors continue to fund those looking to build affordable housing projects. Certus Capital’s investment in the MMR, specifically, will help address housing demand — which could provide some pressure release for Mumbai’s tight residential market.

MMR would have affordable housing options at the higher end of the mid-market covering both, end–users looking for homes as well as investors seeking long stable returns form a high-demand property segment. Certus Capital opens up to the real estate market as per everybody’s desire and at the same time, it proves to be a good addition in their wallet.

The Bottom Line: How Certus Capital Sees The Future Of Real Estate Investing As A Sustainable And Profitable One

The infusion of capital that Certus Capital has invested into MMR's mid-market housing projects is not merely a financial proposition, but an attempt by the firm to generate value from within India's blossoming real estate space. Certus Capital allows both retail and institutional investors to enjoy attractive, low-risk investments by offering high yielding secured credit products that are typically only accessible to the ultra-high-net-worth individual or family office with a balance sheet of $10M+ in real assets as collateral, which will be underwritten by an experienced developer.

Certus Capital’s tie-up with JSB Group and Dynamix Group will provide what some Mumbai residents are hungry for, smartly designed housing near centres of employment. Certus Capital: Earnest — A Platform for Investors me, an easy and trustful key to high return property investment.

The company is spreading its wings across cities and has also announced mega deals with leading brands that reflect the vision to leverage on India real estate development trends. This steadfast commitment to mid-market housing initiatives means that Certus Capital is well-placed to play a key role in the evolution of the Indian real estate market for many years to come.