PayLap

How it works

From signup to daily earnings.

Four steps. Real plots. No paperwork beyond the basics. Here's how every rupee on PayLap moves — start to finish.

Browse live projectsCreate an account

How it works

Four steps from signup to daily earnings.

Real plots, real earnings — backed by tangible land, not paper assets.

  1. 0101
    STEP 01

    Pick a property

    Browse live projects, see real plots, layouts, and surrounding amenities of every active development.

    38 plots live
  2. 0202
    STEP 02

    Book a plot share

    Choose a plot and a duration plan. We snapshot your interest rate at the moment you book.

    from ₹500
  3. 0303
    STEP 03

    Pay manually

    Pay via UPI or bank transfer to our verified account. Upload the receipt and our team approves it.

    < 24h approval
  4. 0404
    STEP 04

    Earn daily

    Watch interest accrue every day. At maturity, principal plus interest land directly in your wallet.

    8–12% APR

Each step, in detail

The full investment lifecycle.

The four-step summary above is the headline — here's exactly what happens at each stage and what we're doing behind the scenes.

STEP 01

Discover a property

Browse PayLap's live projects. Each is a real, surveyed land development with a public layout, plot list, and amenities map.

  • See the full plot map before you sign up.
  • Filter by city, plot size, and tier (Premium / Mid / Standard / Budget).
  • Read every project's plan: pricing per sqyd, available durations, and the snapshot interest you would lock in today.
STEP 02

Pick a plot and a plan

Choose a numbered plot, pick a duration plan, and PayLap snapshots your interest rate at that moment. Future rate changes never affect your booking.

  • Plans are tier-aware — small plots get smaller minimums, premium plots higher rates.
  • Plot status updates in real time: AVAILABLE → RESERVED → SOLD.
  • Reserving a plot holds it for 24 hours while you complete payment. After that, it returns to the pool.
STEP 03

Pay manually, get verified

Transfer via UPI or NEFT to PayLap's verified bank account, upload the receipt, and our admin team verifies it within 24 hours.

  • No payment-gateway fees are deducted from your principal.
  • Every receipt is reviewed by a human admin — no automated scrapers, no dark patterns.
  • Once approved, your plot status flips to SOLD and your investment officially goes live.
STEP 04

Earn daily, withdraw at maturity

Interest accrues every day starting from approval. At maturity, principal plus total interest credit your wallet automatically — withdraw to your bank in one click.

  • Daily accrual is visible in your dashboard from day one.
  • On maturity day, the credit lands within hours of the cron run.
  • Withdrawals are admin-processed within one working day to your KYC-verified bank account.

Safeguards

How your money stays yours.

  • See what you own

    Every booking maps to a numbered plot on the live layout. Your investments page shows the exact plot you funded — not a token, not a fund unit.

  • Manual verification, end-to-end

    KYC, payments, and withdrawals are reviewed by humans on the PayLap team. No silent automation makes decisions about your money.

  • Transparent rate locks

    Your interest rate is snapshotted at the moment of booking. Any future rate changes only affect new bookings — never existing ones.

  • Daily accrual, no surprises

    Interest accrues every day, not just at maturity. You can watch your investment grow — and you always know what you'll receive at term end.

Risk disclosure: PayLap returns are tied to real-estate developers and underlying land projects. Returns are fixed at booking, but capital is exposed to project-execution risk. Always read the booking terms and risk disclosure before investing.