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Deposits

Secure Deposit

A 2–3 month rental deposit, recorded digitally and tracked from payment to release — held through a regulated partner, never informally.

Protect my deposit I’m a landlord
Calculate what your deposit earns10% p.a., guaranteed by our partner NBFC
What you get

A deposit journey both sides can follow.

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Deposit record

One digital record linked to the tenant, landlord, property and agreement.

Deposit certificate

A numbered certificate with status and documents, which anyone you show it to can check.

Move-in evidence

A timestamped room-by-room inspection protects both sides.

Settlement workflow

Proposed deductions, responses and resolution steps stay visible.

Refund tracking

Follow approvals and release status without chasing messages.

Deposit passbook

A consistent history of every event, document and notification.

How it works

Secure Deposit, step by step.

  1. 01

    Agree the deposit

    Two to three months’ rent, written into the digital agreement.

  2. 02

    Pay through UNETRA

    Paid through an authorised payment channel and held by a regulated partner, never by UNETRA or informally.

  3. 03

    Track it

    Both sides see the same status, reference number and history for the whole tenancy.

  4. 04

    Inspect and settle

    The move-out report is compared with the move-in report. Deductions need evidence.

  5. 05

    Release

    Released on the agreed terms, with a release target of 24 hours once both sides confirm.

Your deposit earns

10% p.a. Guaranteed by our partner NBFC.

A deposit usually sits idle for years. With Secure Deposit it earns 10% p.a., paid and guaranteed by our RBI-registered partner NBFC. You and your landlord decide who receives it.

Shared equally DefaultTenant 5% p.a. · Landlord 5% p.a.
All to the tenantTenant 10% p.a. · Landlord 0% p.a.
All to the landlordTenant 0% p.a. · Landlord 10% p.a.

The share is written into the rental agreement. It can be changed later only if both of you agree, in the app.

What your deposit earns

Tenant receives
—
Landlord receives
—
Total return
—

Simple interest at 10% p.a. on the deposit while it is protected, before any tax.

The 10% p.a. return is paid and guaranteed by our partner NBFC (RBI-registered) under its deposit terms, which — with the NBFC’s name — are shown before you pay. UNETRA does not pay or guarantee the return. NBFC deposits are not insured by DICGC. Tax on the return, if any, is the receiver’s.

Who it’s for

Tenants

  • No cash handovers or missing receipts
  • Deductions only for documented damage
  • Mediation if you disagree

Landlords

  • Deposit held securely for the full term
  • Move-in evidence protects your property
  • A clean record on your Property Card
How your money moves

UNETRA records it. A regulated partner holds it.

  1. Tenant

    Pays deposit or rent through UNETRA.

  2. Payment / deposit

    Collected via an authorised payment channel. Receipt issued.

  3. UNETRA platform

    Records the transaction against the agreement. UNETRA does not hold the funds.

  4. Regulated partner

    Applicable regulated partner: bank, escrow or financial institution, as applicable to the product.

  5. Status tracking

    Both parties see every status change in real time.

  6. Release / settlement

    Released according to the agreed terms and inspection outcome.

The exact structure depends on the partner behind this product. The partner’s name and terms are shown before you pay.

What’s included

  • Secure Deposit modelTenant portalLandlord portalSociety portal
  • Deposit of 2–3 months’ rentTenant portalLandlord portal
  • 24-hour release target once both parties confirmTenant portalLandlord portal

Questions

Does UNETRA hold my money?

No. The deposit is held by a regulated partner such as a bank, escrow agent or NBFC, depending on the product. UNETRA records it and tracks its status.

Will my deposit earn interest?

Yes. A Secure Deposit earns 10% p.a., paid and guaranteed by our partner NBFC (RBI-registered) under its deposit terms, which are shown — with the NBFC’s name — before you pay. UNETRA does not pay or guarantee the return itself.

Who gets the return?

By default it is shared equally, so tenant and landlord each get 5% p.a. You can instead agree that all of it goes to the tenant, or all of it to the landlord. The choice is written into the rental agreement, and changing it later needs both of you to agree in the app.

Is the deposit insured?

NBFC deposits are not covered by DICGC deposit insurance, which applies only to bank deposits. The guarantee on the return comes from the partner NBFC.

What if we disagree at move-out?

Either side can open mediation. UNETRA reviews the move-in and move-out evidence, and legal support is available through qualified partners.

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