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 66% of sales, Brand takes 34%. Your variable return is 10% of your 66% share (≈ 6.6% 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 34% 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 mirrors how FULL 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 34% 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 (₹5,500/carpet sqft) = ₹18.15L monthly sales:

FULL: (a) 2% of CapEx ex-rental = ₹85,648, OR (b) 10% of full ₹18.15L sales = ₹1,48,500 → you receive ₹1,48,500.

FICO: (a) 1.5% of CapEx ex-rental = ₹37,236, OR (b) 10% of your 66% share = ₹1,19,790 → you receive ₹1,19,790.

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 professional Indian mall retail is structured — and being surgical about this clause protects your investment from day one.

CapEx is on Super Built-Up Area (SBU). SBU is the exact area the landlord leases and charges rent on. It includes your unit's proportional share of common corridors, washrooms, HVAC ducts, lobbies and service conduits — the 'load factor' that makes a mall function. Fit-out, electrical load, fire compliance, signage and HVAC must be specced across the full leased SBU because the lease, the engineering drawings and the BIS/NBC safety approvals are all drawn on SBU.

Sales are on Carpet Area. Carpet is the only space that physically holds merchandise and customers. Every credible retail benchmark (ICSC, JLL, Knight Frank, CBRE, Anarock) quotes sales productivity strictly on carpet. Typical Indian mall carpet efficiency is 50–60% of SBU; we benchmark at 55%. The exact ratio for your unit is annexed to your LOI once the lease is co-signed.

This dual-basis structure is explicitly disclosed in the LOI — the SBU number used for CapEx, the carpet number used for sales, and the exact efficiency ratio for your unit. There is no 'I didn't know what I was buying.'

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 capital that's actually at work.

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. 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. Early exit is not available. This is by design and protects both parties.

The economic architecture — floor returns, monthly revenue share, turnkey infrastructure, staff training, mall lease commitments, brand build-up — only works when capital is committed for the full term. Allowing early exit would force MYOTO to either shut the store at substantial loss or scramble for a replacement investor on a depreciated fit-out. Both destabilize operations and erode the floor-return economics.

Your capital is protected through contractual instruments — the monthly floor, the credited revenue share, the refundable rental deposit (always), and refundable inventory (FULL). But the 5-year term is a hard commitment: no buyback, no unilateral assignment, no premature termination.

On completion of Year 5: refundable components are returned in full, and you exit cleanly. The LOI may be renewed by mutual consent on refreshed commercials.

If you are not certain you can commit capital for the full 5 years, this is not the right vehicle for you. We'd rather have that conversation upfront than litigate it later.