Fixed-return investment plan, "100% secured" claims & risk · 2026 edition
This is not an ordinary brokerage, it asks you to hand over money for fixed, "guaranteed" double-digit returns (up to a headline 60% a year, "100% secured"). No legitimate real-estate business can reliably guarantee returns like this; fixed payouts that don't track real property performance must be funded from somewhere, and if that is new investors' money, it is a Ponzi that collapses when inflows slow. There is no disclosed property, no audited accounts and no visible SEBI/RBI registration, and the offshore Dubai structure makes recovery hard. The realistic base case for money put in is partial or total loss. Slow down, don't act under pressure, and verify the regulatory status first. This is information, not personalised financial advice.
SPS Global positions itself as a real-estate brokerage operating across India, Dubai and other international markets, offering property sales, rental and leasing, off-plan investments, portfolio management and legal advisory, and describing itself as an "exclusive channel partner with all renowned property developers worldwide". Its cover headline promises a "potential return" of 36% principal + 24% ROI per year, under the slogan "Invest Small, Grow Big".
The important distinction: a genuine brokerage earns commissions for helping you buy or sell property. SPS instead asks the public to hand over money (minimum ₹5 lakh) in exchange for a fixed, guaranteed monthly payout. That is a deposit / investment scheme, and the way it is structured is what this page examines.
| Plan A, "Principal Return" | Plan B, "Fixed Return" | |
|---|---|---|
| Lock-in | 33 months | 12 months |
| Monthly payout | 5% (3% principal + 2% ROI); month 33 = 4% + 2% | 2% ROI only |
| Principal back | In monthly instalments over the term | In full within 2 weeks of expiry |
| Stated total | 100% principal + 66% return = 166% | 100% principal + 24% |
Both plans are bundled with a "Court Agreement", a "Security Cheque" and a "CRM Login Portal", presented as safety features (see why these don't protect you, below).
The brochure says deposits are deployed across six activities: (1) Expression of Interest (EOI) on new launches for inaugural discounts; (2) bulk underwriting of units at low entry prices; (3) distress-sale flips; (4) rental & leasing income, especially in Dubai; (5) property tokenization in Dubai; and (6) farmhouse-land development in India "with assured growth". Notably, this is a list of themes, no specific properties, title deeds, ownership proof or audited accounts are given to show how a fixed 2% a month is actually generated. Legitimate funds disclose their holdings; this discloses categories.
| Ticket | Perks |
|---|---|
| ₹5 lakh | Goa trip; flight for 1; airport pickup/drop; 2N/3D stay |
| ₹10 lakh | Flight for 1; pickup/drop; Dubai night yacht tour + desert safari; 2N/3D |
| ₹15 lakh | Flight for 2; pickup/drop; yacht tour + desert safari; 3N/4D |
| ₹25 lakh | Flight for 3; pickup/drop; yacht tour + desert safari; 4N/5D |
Lavish "free" perks scaled to deposit size are used to create excitement and a sense of reciprocity, and to nudge investors toward larger tickets, they are a marketing cost, not evidence the underlying returns are real.
No legitimate real-estate business can reliably and "100% securely" guarantee 24%, let alone the headline ~60%, a year. Real property returns are variable, illiquid and can fall; rental yields and resale gains are never fixed or assured. A pitch that combines "fixed", "guaranteed/assured", "100% secured" and double-digit returns is one of the single most reliable signatures of investment fraud.
"Your money works while you relax", "passive income for all" and "start your journey to financial freedom" are textbook get-rich-quick marketing, language a regulated, risk-disclosing investment product would not use.
Each is a confidence-building device, not genuine protection. Real safety comes from regulation, disclosed assets and audited accounts, none of which is evidenced here.
This block replaces a customer-reviews section. MLMCompanyHub does not publish invented reviews or a star score for a scheme of this kind.
How these schemes usually end. Fixed-return deposit schemes pay early investors on time to manufacture trust, which fuels more deposits and referrals. Because the payouts are not tied to genuine, audited profit, they depend on a continuous inflow of new money; when that slows, payouts are delayed, then stop, and operators with an offshore base can be very hard to pursue. The realistic base case for money put in is partial or total loss.
Regulatory context (India). Taking deposits from the public with promises of assured returns is tightly regulated. Unregistered deposit-taking is prohibited under the Banning of Unregulated Deposit Schemes (BUDS) Act, 2019, and pooled investment offerings generally require SEBI registration as a Collective Investment Scheme. Before giving anyone money, confirm the specific registration/CIN/SEBI number on the regulator's own website (not from the brochure), demand the specific assets and audited accounts behind your money, and obtain the full legal identity of the company and its principals. To report suspected fraud, India's National Cyber Crime portal (cybercrime.gov.in / 1930) and SEBI's SCORES system are the official channels.
MLMCompanyHub is not a regulator and makes no legal determination about SPS Global. This page reports the company's own brochure and applies general, publicly available regulator guidance and arithmetic, so readers can verify each point and reach their own view. If you are being pressured to invest, the safest move is to slow down and refuse to act under urgency until you have independently verified the regulatory status.
SPS Global asks the public to deposit a minimum of ₹5 lakh for fixed monthly payouts. Plan A ("Principal Return") runs 33 months at 5%/month (3% principal + 2% ROI), returning your full principal plus 66%, 166% in total. Plan B ("Fixed Return") runs 12 months at 2%/month, returning the principal at the end, 24% in a year. It is pitched as a "100% secured", real-estate-backed investment.
It shows the classic warning signs of a high-risk, potentially Ponzi-style deposit scheme: fixed, "guaranteed", "100% secured" double-digit returns no real-estate business can deliver, no specific properties or audited accounts, "trust devices" that don't protect you, no visible SEBI/RBI registration, and an offshore structure. MLMCompanyHub does not endorse it and rates it very high risk, verify its regulatory status before parting with money.
No legitimate real-estate business can reliably and "100% securely" guarantee 24% (or the headline ~60%) a year. Real property returns are variable, illiquid and can fall. A pitch combining "fixed", "guaranteed", "100% secured" and double-digit returns is one of the most reliable signatures of investment fraud, because fixed payouts that don't track real performance must be funded from somewhere, often new investors' deposits.
Not meaningfully. A security cheque from a company that has lost your money simply bounces, leaving slow, costly litigation with little recovery. A private agreement doesn't make an unregistered deposit scheme legal or your money safe. A CRM portal showing a "growing" balance is just a screen the operator controls. Treat all three as marketing, not protection.
The brochure shows no RBI or SEBI registration, no SEBI/AIF/CIS number and no regulated entity. In India, taking public deposits with assured-return promises is prohibited when unregistered (BUDS Act, 2019), and pooled investment offerings generally need SEBI registration as a Collective Investment Scheme. Verify any claimed registration on the regulator's own website before acting.
Yes. For a fixed-return, "guaranteed" deposit scheme like this, the realistic base case is partial or total loss, with limited practical recourse, especially given the offshore Dubai structure. If anyone is pressuring you or a family member to invest, slow down, refuse to act under urgency, and verify the regulatory status first.
Pramendraa Singh researches and analyses direct-selling and network-marketing companies for MLMCompanyHub. He writes business-plan and compensation-plan breakdowns, company profiles, and product and industry research, with a focus on well-researched, unbiased, easy-to-understand content that helps readers and entrepreneurs understand how MLM companies and their pay plans actually work.