Landlord Dreams, Without The Landlord Duties!

For many of us, owning property that earns rent is a long-held goal. But being a landlord also means finding tenants, handling repairs and paying for months when the property sits vacant. Real Estate Investment Trusts (REITs) offer another, more accessible, way to participate in India’s commercial real estate story. Here’s how two friends, Anu and Anjali, made sense of it.

Source: BSE Index Services Pvt. Ltd. Based on portfolio as on Sep 30, 2026. For detailed methodology, please visitwww.bseindices.com (Refer Annexure for Top 10 constituents and performance of the BSE REITs and Commercial Real Estate Index as of Sep 30, 2026)

Like Anu, many investors believe the only way to benefit from real estate is to own it outright. REITs, and Index Funds that invest in them, offer another route. Investors can take exposure to high quality commercial real estate, with the potential for regular income and long-term capital appreciation, by investing smaller amounts and without having to manage the property directly.

As with any market-linked investment, REITs come with risks. Before investing, consider how much real estate exposure you already have and how long you can stay invested. Consult your financial advisor to help you decide what suits best.

Top 10 constituents of the BSE REITS and Commercial Real Estate Index

Source: BSE Index Services Pvt. Ltd. and internal calculations. As of Sep 30, 2026.

BSE REITS and Commercial Real Estate TRI has demonstrated better risk-adjusted returns than the BSE 500 TRI historically

Source: BSE Index Services Pvt. Ltd. and internal calculations. Data as of Sep 30, 2026. Return Risk Ratio = CAGR/Std. Deviation. Past performance may or may not be sustained in the future and is not a guarantee of any future returns. HDFC AMC/Mutual Fund is not guaranteeing or promising or forecasting any returns. *CAGR: Compounded Annual Growth Rate. Given the limited duration of the underlying dataset, any inferences drawn should be viewed as indicative. ^Sep 19, 2022 is the inception date for the BSE REITS and Commercial Real Estate TRI

BSE Disclaimer: The "BSE REITS and Commercial Real Estate Index" is a product of BISPL, a subsidiary company wholly owned by BSE Limited ("BSE"), and the BSE REITS and Commercial Real Estate Index” has been licensed for use by HDFC Asset Management Company Limited. BSE® and SENSEX® are registered trademarks of BSE Limited. HDFC BSE REITS and Commercial Real Estate Index Fund is not sponsored, endorsed, sold or promoted by BISPL, BSE, or their respective affiliates.” Please read the full Disclaimers in relation to BSE REITS and Commercial Real Estate Index in the SID of the Product.

The Scheme’s underlying index being thematic in nature carries higher risks versus diversified equity mutual funds on account of concentration and theme specific risks.

Views expressed above are indicative and should not be construed as investment advice or as a substitute for financial planning. Due to the personal nature of investments, investors are advised to seek professional advice before investing.

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.