For decades, ~600 million rural Indians owned their homes but could not use them — not as loan collateral, not for easy sale, not for clean inheritance. The Government of India’s SVAMITVA Scheme changed that with 30+ million property cards. We are building the consumer layer on top.
Economist Hernando de Soto called it the “dead capital” problem: the poor are not capital-deficient, they are title-deficient. Their homes exist, but without legal proof of ownership, they cannot be pledged, sold, or inherited cleanly.
India’s SVAMITVA Scheme is the most aggressive real-world solution ever attempted. Drone-survey every village, issue a 13-digit property card per home, link it to Aadhaar and Bhulekh. 30M+ cards issued. ~$1.58 trillion of dead capital potentially unlocked.
But a card alone is not enough. Cardholders need a way to actually use it. That is where we come in.
From status check to loan comparison to title verification — every Gharauni use-case in one place. Two live today, six in waitlist mode.
Hindi and English at launch. Marathi, Telugu, Bhojpuri planned as cardholder volume in those regions grows.
Status checks, loan comparisons, learning content — all free. We earn from partner commissions on completed deals, never from you.
When the marketplace goes live, every listing will tie to a real 13-digit Gharauni ID. No fakes, no disputes hidden.
Source: Ministry of Panchayati Raj official statistics (Jan 2026), EAC-PM working paper (2024).
Gharauni.com is a project of WebWorks — an independent venture studio building consumer-facing internet businesses in emerging markets.