• Linear row of shops

• Individual storefronts

• Shared parking

• Easy access from main road

• Convenience store

• Pharmacy/medical store

• ATM and banking services

• Small retail outlets

• Building construction (RCC structure)

• Internal roads and pathways

• Parking area development

• Compound wall and gates

• Water and sewage systems

• Electrical infrastructure

• Shop interiors and partitions

• Flooring and false ceilings

• Air conditioning

• Fire safety systems

• Signage and branding

• Elevators/escalators (if multi-floor)

• Washrooms

• Security cabin

• Generator room

• Water storage tanks

• Landscape and green areas

• Finance Amount: ₹50 lakhs to ₹5 crores

• Interest Rate: 10% - 12% per annum*

• Tenure: 10 to 15 years

• Margin Money: 25-30%

• Moratorium: 6-12 months for construction

• Rental Income: Tenant rentals start covering EMI from month 1 of operations

Example: 10,000 sq ft Mall

Construction Cost: ₹2.5 crores (₹2,500 per sq ft)

10 Retail Shops

• Each shop: 800-1,200 sq ft

• Rental: ₹40-80 per sq ft per month

• Total monthly rental: ₹4-8 lakhs

EMI on ₹2 crore loan (75% LTV)

• ₹2.3 lakhs/month (15 years @ 11%)

• Monthly Surplus: ₹1.7-5.7 lakhs (after EMI)

• Break-even: 18-24 months

Anchor Stores (30-40% space)

• Supermarket/grocery store

• Pharmacy chain

• Mobile/electronics showroom

• Fashion retail chain

Small Retailers (60-70% space)

• Clothing and accessories

• Footwear stores

• Bakery/sweet shop

• Stationery/bookstore

• Salon/spa

• Fast food outlet

• Cafe

Service Businesses

• ATM

• Banking kiosk

• Courier service

• Mobile recharge

• Minimum 5,000 sq ft vacant land available

• Prime location (highway, main road, urban area)

• Clear land ownership documents

• Building permission obtainable

• High visibility and accessibility

• Adequate parking space

• Step 1: Site assessment and feasibility study

• Step 2: Architectural design and building plan

• Step 3: Building permission and approvals

• Step 4: Finance approval (10-15 days)

• Step 5: Construction (6-12 months)

• Step 6: Tenant acquisition

• Step 7: Shop handover and rent collection

• Passive Income: Monthly rental income with minimal management

• Property Appreciation: Land and building value increases over time

• EMI Coverage: Rental income covers loan EMI

• Tax Benefits: Depreciation on building and interest deductions

• Synergy with Pump: Mall customers also use fuel station

• Long-term Asset: Building remains as family wealth

• Land ownership documents

• Site plan and survey

• Building permission (or undertaking to obtain)

• Architectural drawings

• Project cost estimate

• Last 2 years ITR

• Existing business proof (pump documents)

Rajesh Verma - Jaipur

• Investment: ₹1.8 crore mall (8 shops)

• Financed: ₹1.35 crore through Petromoney

Results

• Monthly rental: ₹3.2 lakhs

• Loan EMI: ₹1.5 lakhs/month

• Net surplus: ₹1.7 lakhs/month

• Property value after 3 years: ₹2.5 crores

"My mall pays for itself. The rental income covers the EMI, and I'm building a valuable asset for my children."