By accessing or using this website, you agree to these Terms of Use. Please read them carefully before engaging with any service, tool, or content on layaadvisory.in.
1. About LAYA Private Advisory
LAYA Private Advisory ("LAYA", "we", "our", "us") is a sole proprietorship residential real estate advisory firm based in Bengaluru, Karnataka, India, registered with the Karnataka Real Estate Regulatory Authority (RERA) under registration number PRM/KA/RERA/1250/303/AG/260316/006977.
LAYA is a real estate advisor, not a broker or developer. We are not registered with SEBI as an Investment Advisor or Portfolio Manager. Our services are limited to residential real estate advisory in Bengaluru.
2. Nature of Advisory Services
What LAYA Provides
LAYA offers private residential real estate advisory services including:
- Project shortlisting and due diligence based on client goals and financial parameters.
- Micro-market intelligence and corridor analysis for Bengaluru residential real estate.
- NRI property purchase guidance including FEMA compliance orientation and POA structuring advice.
- Wealth projection illustrations via the LAYA Wealth Calculator.
- Buyer intelligence content through the Grantha platform.
What LAYA Does Not Provide
- SEBI-regulated investment advice: LAYA is not a SEBI-registered Investment Advisor. Nothing on this website constitutes regulated investment advisory services under SEBI (Investment Advisers) Regulations, 2013.
- Legal advice: Information about FEMA, RERA, or property law is educational and general in nature. Engage a qualified legal professional for specific legal matters.
- Guaranteed returns: Any projections, appreciation estimates, or wealth trajectory illustrations are indicative scenarios based on historical corridor data and are not guarantees of future performance.
- Valuation services: LAYA does not provide registered property valuations. Consult a RICS or government-empanelled valuer for formal valuations.
3. The LAYA Wealth Calculator — Important Disclaimers
The Wealth Calculator is an illustrative projection tool only. Outputs are based on historical Bengaluru corridor CAGR data and modelled scenarios. They do not constitute financial advice, investment advice, or any form of guaranteed return.
Projections generated by the calculator:
- Are based on historical appreciation patterns sourced from PropEquity, Knight Frank India, ANAROCK, and NoBroker market reports. Past performance does not guarantee future results.
- Do not account for individual tax liability, home loan interest costs, maintenance charges, brokerage fees, or registration charges, which may materially affect actual returns.
- Assume stable macroeconomic conditions, infrastructure timelines, and policy environment. Actual outcomes may differ significantly.
- Should not be used as the sole basis for any property purchase or investment decision.
Always consult a SEBI-registered financial advisor and a qualified property lawyer before making a significant property investment decision.
4. Grantha Platform — Content Usage Rights
All articles, guides, market insights, and editorial content published on the Grantha platform are the original intellectual property of LAYA Private Advisory.
- You may read and share individual articles for personal, non-commercial use provided attribution ("Source: Grantha by LAYA Private Advisory — layaadvisory.in") is clearly stated.
- You may not reproduce, republish, resell, or repurpose Grantha content in whole or substantial part for commercial purposes without written permission from LAYA.
- Content on Grantha is educational and informational. It does not constitute regulated investment or legal advice.
- Market data cited in Grantha articles is sourced from publicly available industry reports. LAYA makes reasonable efforts to ensure accuracy but does not warrant the completeness or timeliness of third-party data.
5. Developer / Project Pages — Channel Partner Disclosure
LAYA maintains empanelment agreements with certain developers and channel partners as a registered real estate agent. Projects featured on the LAYA website are presented based on LAYA's independent advisory assessment of their suitability for client profiles.
- LAYA receives compensation from developers through empanelment agreements upon successful transactions. This is the industry standard model and involves no additional cost to the buyer.
- Project information, RERA numbers, pricing, and availability displayed on project pages are provided for informational purposes. Always verify current details directly with the developer and through the official Karnataka RERA portal (rera.karnataka.gov.in).
- LAYA is not responsible for changes in project timelines, specifications, pricing, or developer commitments after the date of information publication.
6. NRI Services — Regulatory Notice
Information provided to NRI clients regarding FEMA, RBI regulations, Power of Attorney, NRI home loans, and repatriation is general educational guidance based on publicly available regulatory frameworks. This does not constitute legal or financial advice specific to your personal situation.
NRI clients are strongly advised to consult:
- A Chartered Accountant or tax advisor for NRI tax and TDS matters.
- A solicitor or advocate for POA drafting and property agreement review.
- An authorised dealer bank for FEMA-compliant remittance and repatriation procedures.
7. Intellectual Property
The LAYA brand name, logo, "LAYA Private Advisory" wordmark, "Grantha" platform name, the PACAM wealth projection methodology, and all original content on this website are the intellectual property of LAYA Private Advisory. Unauthorised use, reproduction, or imitation of the LAYA brand or its visual identity is prohibited.
8. Limitation of Liability
To the maximum extent permitted by applicable law, LAYA Private Advisory shall not be liable for:
- Any property investment decision made in reliance on information or projections provided on this website or through advisory consultations.
- Losses arising from project delays, developer defaults, market downturns, or regulatory changes.
- Inaccuracies in third-party market data cited on the Grantha platform or the Wealth Calculator.
- Technical unavailability of the website or any of its tools.
LAYA's total liability for any claim arising from advisory services shall not exceed the compensation received by LAYA directly from the client in connection with that specific transaction, if any.
9. Third-Party Links
This website may contain links to developer websites, RERA portals, regulatory resources, and market data sources. LAYA is not responsible for the content, accuracy, or privacy practices of any third-party website. Links are provided for convenience and do not constitute endorsement.
10. Modifications to These Terms
LAYA reserves the right to update these Terms of Use at any time. Changes will be reflected by the "Last updated" date at the top of this page. Continued use of the website after any update constitutes your acceptance of the revised terms.
11. Governing Law & Jurisdiction
These Terms of Use are governed by the laws of India. Any disputes arising in connection with these Terms, the website, or LAYA's advisory services shall be subject to the exclusive jurisdiction of the courts of Bengaluru, Karnataka, India.
12. Contact
For any questions regarding these Terms:
These terms are effective as of April 2026. They supersede any previous terms of use published on this website.