India, Nov. 28 -- In India's property market, the numbers have always spoken loudly. Apartments in Mumbai routinely cost upwards of Rs.25,000 per square foot, while a commercial floor in Bengaluru's technology corridor can command several crores. For decades, that scale effectively closed the door on smaller real estate investors but today the door is cracking open, quietly but decisively, through a new model of access: fractional ownership.

A handful of digital platforms are enabling investors to co-own parts of high-value properties, earning rental income and potential capital appreciation without purchasing an entire building or navigating the complexities of tenants, registrations, and paperwork. The concept itself isn't new, but the...