Private, KYC-gated participation · Bank-operated escrow
Own real assets, together.
GrowwTap brings curated, asset-backed opportunities to verified members. Every deal lives in its own SPV, every rupee moves on bank-operated escrow rails, and every distribution follows income actually realized.
Private access · Verified members · Bank-grade rails
Bank-operated escrow
Funds move through escrow and virtual accounts operated by our partner bank — never through GrowwTap.
KYC-first membership
Full deal details, documents, and participation open only after identity and bank verification.
1 asset · 1 SPV
Every deal is ring-fenced in its own special purpose vehicle with its own books and bank accounts.
E-signed legal pack
Title diligence, lawyer opinion, and complete terms — reviewed and e-signed before you participate.
How it works
Four steps from verified to settled
Verify
Complete KYC and verify your bank account with a penny-drop check. Your account is then whitelisted for participation.
Review
Study the deal: photos, diligence documents, lawyer opinion, indicative projections, and every fee — disclosed upfront.
Contribute
Transfer your capital contribution from your whitelisted account straight to the deal’s dedicated virtual account.
Receive
When the SPV realizes income or completes a sale, a distribution is declared and settled to your verified bank account.
The money route
A closed loop of verified accounts
Every hop is a bank rail between named, verified accounts — and every movement is mirrored live in your History tab.
You
Your penny-verified, whitelisted bank account
Deal VAN
A dedicated virtual account under the bank-operated master escrow
The SPV
Owns the asset, collects income, keeps its own books and accounts
Back to you
Declared distributions and settlements, straight to your account
Deal types
Three ways a deal can work
Every structure is defined in the deal documents before you participate — timelines, fees, and how realized income or sale proceeds are settled.
Flip
Acquire, improve, sell
- Short-horizon asset opportunities
- One-time settlement after the sale completes
- Principal and surplus settled together, net of disclosed fees
Income
Build or buy, then lease
- Rental and lease-backed assets
- Periodic distributions declared from realized income
- Fixed term or until the asset is sold
Hybrid
Income now, settlement later
- Periodic distributions while the asset operates
- Terminal settlement when the SPV exits the asset
- Transparent split, defined in the deal documents
Every timeline, fee, and settlement mechanic is written into the documents you e-sign — so what you agreed to is exactly what executes.
Security & compliance
Security that is structural
Bank-operated escrow, whitelisted transfers, ring-fenced SPVs, and a ledger reconciled daily against bank statements — protection designed into the rails themselves, on every single deal.
Escrow & virtual accounts
Each deal gets a dedicated virtual account under a master escrow operated by our partner bank. Funds always sit with the bank.
Whitelisted transfers only
Deal accounts accept credits only from penny-verified, whitelisted member accounts. Settlements return to the same verified accounts.
SPV ring-fencing
One asset per SPV with its own bank account and books — every deal stays fully independent of every other deal.
Append-only ledger
Every credit and debit is mirrored in an immutable internal ledger and reconciled daily against bank statements.
Private by design
Deal financials and documents are visible only to verified members. Public pages carry teasers, never offers.
Portfolio
₹4,82,500
3 active deals · 2 income · 1 flip
Illustrative preview
The app
Everything in four taps
A native-feel experience on mobile and web — and the same app is heading to the Play Store and App Store.
Home
Your portfolio, activity, and what needs attention
Deals
Browse open deals and track the ones you joined
Payments
Verified bank accounts and whitelist status
History
Every contribution, distribution, and settlement
FAQ
Straight answers
What exactly am I participating in?
Each deal is held by its own special purpose vehicle (SPV). When you participate, you make a capital contribution to that SPV and become a member/partner in it under e-signed legal documents — a direct interest in a specific, identified asset.
How are distributions decided?
Each distribution is declared per event and follows the income the SPV has actually realized, after disclosed fees and applicable taxes. Projections on deal pages are indicative planning figures to help you evaluate each opportunity.
Who holds the money?
The partner bank, at every step. Contributions travel from your whitelisted, penny-verified account to a deal-specific virtual account under a bank-operated master escrow. GrowwTap is the platform layer — the bank operates the rails.
What if a deal doesn’t reach its funding target?
The escrow settles every contribution back to the same verified account it came from — automatically, with nothing for you to chase.
How do I exit?
Either the SPV completes the asset’s sale and settles principal plus surplus to all members, or — in a later phase — you transfer your contribution interest to another verified member through the escrow, under the deal’s transfer rules.
What do I need before I can participate?
A completed KYC (PAN + Aadhaar), a penny-verified bank account, and an e-signature on the deal’s legal pack. After that, your account is whitelisted and the deal’s virtual account details unlock.
Be first when the doors open
We are onboarding an early group of members ahead of the first deals. Verified early members get first access when a deal goes live.
Get early access