Own a MYOTO Store.
Earn Every Month.

FULL is the higher-capital commitment: you fund everything, including the inventory (₹3,000/sqft — ₹18L at 600 sqft) across 500+ SKUs. Because you fund the stock, you keep 100% of the sales share — your variable return is 10% of the store's full gross sales. Floor is 2% of CapEx ex-rental.

FICO is the asset-light variant: MYOTO bankrolls the complete assortment, which removes the entire inventory line from your CapEx. In return, the brand becomes a sales partner — Investor takes 61% of sales, Brand takes 39%. Your variable return is 10% of your 61% share (≈ 6.1% of total sales). Floor is 1.5% of CapEx ex-rental.

FULL = higher capital, full sales upside. FICO = lower capital, traded for a partnership cut. Both run identical stores in the same malls.

In FICO, MYOTO commits ₹15–18L of inventory capital per store from our own balance sheet — at scale, that's ₹3–4 Cr across 20 stores tied up in stock. The 39% partnership share funds the cost of that working capital, the buying team, replenishment logistics, and the obsolescence/dead-stock risk we now carry instead of the investor.

It's a mirror of how the FULL model works — in FULL, the investor puts up the inventory and keeps 100% of sales. In FICO, the brand puts up the inventory and takes a 39% partnership cut. The economics are symmetric: whoever funds the inventory shares in the sales it generates.

Every month we calculate two numbers and credit you the higher one. At 600 SBU sqft × 55% carpet efficiency = 330 carpet sqft, Expected tier (₹4,500/carpet sqft) = ₹14.85L monthly sales:

FULL: (a) 2% of CapEx ex-rental = ₹80,248, OR (b) 10% of full ₹14.85L sales = ₹1,48,500 → you receive ₹1,48,500.

FICO: (a) 1.5% of CapEx ex-rental = ₹33,186, OR (b) 10% of your 61% share (₹9.06L) = ₹90,585 → you receive ₹90,585.

The floor is a genuine safety net — it only kicks in during exceptional months (mall closures, civil unrest, major renovation). In ordinary operations, the variable share always wins.

Because that's how the underlying commercials actually work in Indian mall retail — and being explicit about it prevents future disputes.

CapEx = SBU (Super Built-Up Area). The mall leases and charges rent on SBU, which includes a proportional share of common corridors, washrooms, service ducts, and lobbies. Fit-out and inventory investment must cover the full leased footprint. This is the capital you actually deploy.

Sales = Carpet Area. The retail industry universally benchmarks sales productivity per carpet sqft — because that's the floor space that actually holds merchandise and customers. Quoting sales on SBU would artificially inflate the "benchmark" number and mislead the comparison.

Typical carpet efficiency sits at 50–60% of SBU, varying by mall design, floor level, and corner vs. in-line positioning. We default to 55% as a realistic baseline; you can adjust it in the calculator for your specific unit. The LOI will specify the exact carpet ratio for your allocated store once the lease is signed.

Rental deposit is fully refundable — you get it back from the mall at the end of the lease. It never becomes a sunk cost and MYOTO never touches it operationally. Calculating the floor on non-refundable capital is honest and aligned: we only pay a return on the capital that's actually at work in the business.

This is why you'll see two numbers consistently — Total Investment (includes deposit) and CapEx ex-rental (excludes deposit). The floor % is always computed on the second.

MYOTO runs everything — hiring, training, rostering, buying, merchandising, marketing, cash management, audit, compliance. You are a completely passive investor. You own the asset; we own the execution.

You get a live dashboard with daily sales, monthly P&L, stock movement and audit reports. You can visit any time. You do not need to be involved in any operational decision.

In FULL, the inventory is your asset — booked at cost, insured, audited monthly. MYOTO manages rotation and replenishment on your behalf, but the stock belongs to you until it's sold.

On exit, unsold inventory is either refunded at cost by MYOTO (our buy-back commitment) or transferred at fair value depending on condition and assortment. Shrinkage, damage and obsolescence are covered under contractual SLAs — your inventory capital does not erode uncovered.

Yes. FICO investors can opt to buy in the inventory float (₹3,000/sqft) after month 12 and convert to FULL — the floor shifts from 1.5% to 2% from the conversion date forward. The reverse is not permitted mid-term; FULL to FICO requires exit and re-entry on a new LOI cycle.

You still receive the floor — 2% or 1.5% of CapEx ex-rental — as a contractual minimum. Every single month. MYOTO absorbs the performance risk.

If the store has sustained underperformance, our SLAs require us to either relocate the unit (MYOTO-funded) or refund your non-refundable capital as a good-faith default remedy. You are never stranded on a dead store.

Most franchises push operating burden onto the investor — rent, staff, inventory risk, marketing spend. You become an accidental shopkeeper.

MYOTO inverts this. You are purely a capital partner. MYOTO absorbs 100% of OpEx, staffs the store, handles inventory, runs marketing. You receive a floor return and participate in upside via gross revenue share. Structurally, it's closer to a yield-bearing retail asset than running a store.

Lock-in is 5 years. On completion, refundable components (inventory for FULL, rental deposit for both) are returned and you exit cleanly. Early exit is possible after 36 months with notice, subject to transfer of the LOI to an incoming investor vetted by MYOTO — we maintain a waitlist, so this is rarely a bottleneck.