Rakesh Yadav

I retired in 2022 and the first thing I noticed was that everyone wanted to sell me a mutual fund. The bank, my old colleagues, the boy at the LIC office, all of them. I tried two SIPs for a few months but every time the market dipped I could feel my blood pressure go up. That was not the retirement I had planned.

A neighbour mentioned plot investing. The idea sat with me for a while because I grew up in a family that always thought of land as the safest asset. The problem was the ticket size. A full plot in any part of NCR I would consider was beyond what I wanted to commit at one go.

I came across Paylap through a friend of my son. What convinced me was not the website, it was the agreement. I read the whole thing twice. Everything was spelled out — the plot number, the size, the rate, the maturity date, the bank account it would be paid to. It felt like a property deal, not a stock tip.

I put in ₹3.5 lakh into a single plot share in Shyam Vihar Phase-3 in September 2023. I picked the 24-month plan at 14.5 percent. Through the two years there were no surprises. The interest accrued daily and I could see it in the dashboard. When the maturity date came, the principal plus the interest hit my account in three days.

I am not a tech person. I called the customer support number twice during the two years, once because I forgot my password and once because I wanted to confirm the maturity date. Both times a human picked up. That matters more than people realise.

I have re-invested the whole amount into a new project. I would not put my entire savings into one platform, but a meaningful portion of it sitting in plots feels right to me at this stage of my life.