Build Your Retirement Estate
On a Managed Farm

For a 45-year-old with a 10–15 year investment horizon, managed farmland presents a strong case: appreciating land asset, no Karnataka land law complications (in Tamil Nadu), passive farm income from Year 4–5, and no active management required. The trade-offs are illiquidity and no guaranteed returns. We recommend allocating 15–25% of the retirement corpus to farmland as a non-correlated, hard-asset hedge — not as the entire corpus.

From our projects near Thalli, managed one-acre plots generate approximately ₹80,000–₹2,00,000 in annual farm income from Year 4–5 onwards, through harvest sharing from mango, sandalwood intercrop, and timber species. This income is managed and distributed by our team. Early years (1–3) focus on establishment; income grows as the orchard matures. This is supplementary income, not a salary replacement in early years.

Yes. Agricultural income is exempt from Income Tax under Section 10(1) of the Income Tax Act, 1961. Harvest sharing income from your managed farm is classified as agricultural income and is therefore tax-free. This is a significant compounding advantage over rental income from apartments (taxed as 'Income from House Property') or mutual fund returns (taxed as LTCG at 10% above ₹1L). Always consult a CA for your specific situation.

Our managed farmland model means you do not manage the farm yourself. Our team handles all cultivation, maintenance, security, and administration. You receive an annual report and your share of the harvest proceeds. For retirement, this is the ideal structure: the benefit of land ownership and farm income without any day-to-day management burden. You can live on your plot or in the city — the farm runs itself.

Yes. Agricultural land in Tamil Nadu can be inherited, gifted, or transferred through a Will, just like any other property. All legal succession and transfer mechanisms apply. Many of our investors specifically see the farm as a generational wealth asset — the trees planted today will mature and be harvested by the next generation.

The optimal entry point is 8–15 years before your desired retirement date — this allows the land to appreciate fully and the orchard to reach peak income production (Year 7–10). Investors who are 2–3 years from retirement with capital to deploy can still invest, but should view the farm primarily as an appreciating asset at sale, not immediate income. We can help model what makes sense for your specific timeline.