Karma-inspired rental relationships

The rental where landlord and tenant see the same record.

The landlord workspace tracks rent, generates receipts and agreements, calculates utilities, and drafts notices for review. The matching tenant portal is rolling out during early access.

Privacy-first designEncrypted infrastructureAadhaar masked in app
Built to be felt in week one

The proof writes itself.

0 tap

to send a polite, pre-written WhatsApp rent reminder

0 min

from sign-in to a fully set-up property with tenants

0

for the landlord workspace during early access

01 — The problem

Renting works.
Managing it doesn't.

Finding a tenant is only the beginning. After move-in, everything becomes fragmented — spread across apps that were never meant to work together.

Important information gets lost. Renting deserves a better system.

02 — The solution

Everything your rental needs.
One workspace.

KARVM brings every aspect of a rental into one shared place — for landlords and tenants alike. Everything stays organised. Everyone stays informed.

Rent tracking

Know who's paid, unpaid, pending, and overdue — open pre-written reminders, keep payment history, and generate digital receipts.

July 2026
2nd Floor · Vivek M.
Paid 03 Jul · receipt sent
PAID
1st Floor · Anita R.
Due in 4 days · reminder scheduled
DUE
Ground · Ramesh K.
Overdue 6 days
OVERDUE

Legal assistance

Professionally structured agreements and court-aware notices, grounded in Indian tenancy law — drafted in hours, not weeks.

Notice draft
Rent default · ₹22,500 outstanding
Citations verified · awaiting your review — never auto-sent

Digital agreements

Generate, review and store agreements with e-stamp guidance and renewal alerts. Never miss another renewal.

Utility split

Enter a meter reading once — KARVM calculates an itemised charge for the landlord ledger.

Tenant portal · rolling out

Phone sign-in is live; dues, receipts, agreements, and utility views are being enabled in batches.

03 — Get started

Two quick steps, and
KARVM takes over.

No migration project, no training. Add a property, invite your tenant — and rent starts tracking itself.

  1. Add your property

    Enter units, rent amounts, and due dates once. The pincode fills in city, state, and the local electricity rate for you.

  2. Invite your tenant

    Add the tenant to a unit. Phone-based portal access is enabled in batches during early access.

  3. Keep the record current

    Open a pre-written WhatsApp reminder, log payments, and generate receipts from the same ledger.

04 — Who it's for

Built for both sides of the lease.

Two experiences, one system. Choose your side to see how KARVM works for you — then dive into the full landlord or tenant experience.

For landlords

Owning should feel like passive income.

  • Collect rent without chasing tenants
  • Stay on top of agreements and renewals
  • Manage rentals remotely, from anywhere
  • Keep every document in one place
  • Draft legal notices in hours, not weeks
For tenants

Renting should feel fair and organised.

  • Access agreements anytime
  • Keep a complete payment history
  • Download HRA-ready rent receipts in seconds
  • Receive timely, friendly reminders
  • See itemised bills — rent, power, maintenance
05 — Trust & compliance

Safer defaults. Specific controls.

KARVM is building its privacy programme around India's DPDP Act 2023 for personal data, safer Aadhaar handling and uses encrypted managed infrastructure for data in transit and at rest. These are engineering controls and design goals, not a compliance certification.

DPDP-oriented controls

Consent, purpose limits, retention, access, and deletion requests guide the privacy roadmap. Formal compliance is not claimed here.

Masked Aadhaar by default

Aadhaar numbers stored encrypted, always shown masked. The full number appears only inside legal documents where courts require it.

Encrypted infrastructure

Production providers encrypt data in transit and at rest. KARVM avoids promising a particular transport cipher on every connection.

Data isolation at the database

Every landlord's records are walled off using row-level security. Another landlord literally cannot query your data — the database itself enforces it.

Human-reviewed legal drafts

Every AI-drafted notice or agreement is a draft for your review. Nothing is filed, served, or signed automatically. Legal-safety by construction, not policy.

Access and deletion requests

Users can request a copy or deletion of their data. Self-serve export tooling is planned, not presented as available today.

Why we're called KARVM

From karma KARVM.

KARVM is inspired by the Sanskrit word कर्म (karma) action. Rental relationships aren't built by contracts. They're built through the everyday: a landlord who responds quickly, a tenant who pays on time, a well-kept home, clear communication.

The V stands for Visibility — because trust grows when actions are visible, documented, and shared. One act at a time.

Keeping Actions in Renting Visible & Meaningful

Rent paid. Reminder sent. Agreement signed. Receipt issued. Care recorded. Trust logged. Every action, kept where both sides can see it.

The vision

A rental with a foundation of trust.

Every payment kept. Every message documented. Every act of care visible. Over time, the small actions become the record — portable across every rental you ever have.

Verified payment historyTransparent communicationDigital agreementsDocumented utilitiesTrusted rental identities

“I built KARVM managing my family's property from 1,500 km away — every feature exists because a WhatsApp thread or a lawyer's waiting room failed me first.”

Utkarsh Singh · Founder, KARVM
FAQ

Questions, answered.

What is KARVM?

KARVM is an early-access rental workspace for Indian landlords. It currently tracks paid, due, and overdue rent; opens pre-written WhatsApp reminders; creates receipts; calculates utility charges; and drafts agreements and legal notices for human review. The tenant portal, online payments, e-sign, and automated message delivery are rolling out separately.

How does rent tracking work in KARVM?

Add your property, units, and tenants once. KARVM creates a rent ledger for every month automatically — each entry shows Paid, Due, or Overdue at a glance. When rent is due, you can send a pre-written WhatsApp reminder in one tap, and mark payments as received with automatic rent receipts.

Can KARVM generate a rental agreement online in India?

Yes. KARVM drafts a complete rental agreement from your tenancy details — landlord, tenant, rent, deposit, and duration — following the format used by Indian courts, including stamp-paper and witness-signature guidance. You review the draft, print it on e-stamp paper, sign with two witnesses, and upload the signed copy back into KARVM for safekeeping.

Are AI-generated legal notices legally valid?

KARVM drafts legal notices — for rent default, nuisance, property damage, or termination — grounded in the relevant Indian tenancy law, with citations checked. Every notice is a draft for your review: nothing is filed or sent automatically. For court proceedings, we recommend having an advocate review the final text, which the structured draft makes fast and inexpensive.

How does the electricity and utility split work?

Enter a meter reading and KARVM calculates the unit's consumption at your configured per-unit rate, then adds the itemised charge to that month's ledger. Tenant-facing utility breakdowns are part of the portal rollout.

What do tenants see in the tenant portal?

Phone-number sign-in and tenancy linking are available in the early portal. Dues, downloadable receipts, agreement access, utility breakdowns, online payments, and repair records are rolling out; the tenant page shows the intended experience clearly as a preview.

Is my data safe with KARVM?

KARVM uses database row-level security to isolate landlord records and masks Aadhaar numbers throughout the application. When a user supplies a full Aadhaar number for a legal document, it is stored in the encrypted data layer and revealed only in the generated document. KARVM is building its privacy controls around India's DPDP framework; this is a product-design goal, not a compliance certification.

How much does KARVM cost?

KARVM is currently in early access for individual landlords in India. The landlord workspace — rent tracking, agreements, utility calculations, receipts, and AI legal drafting — is free while we build with pilot users. Tenant portal features and external integrations roll out separately.

Start with one action. Build the trust from there.

Add a property, invite a tenant, send your first reminder. The record starts building itself — for both of you, from the very first act.

No credit card · landlord workspace free during early access