Indian Lawmaker Advocates Asset Tokenization as Key to Affordable Ownership in 2025
- Tokenization: India's Next Financial Revolution?
- Why India's Middle Class Needs Tokenization
- Global Precedents for Tokenization
- The Regulatory Tightrope
- Implementation Roadmap
- Potential Impact on Indian Economy
- Public Response and Next Steps
- Tokenization in India: Your Questions Answered
In a bold MOVE to democratize wealth-building opportunities, Indian parliamentarian Raghav Chadha has championed asset tokenization as the solution for middle-class citizens to own fractions of high-value assets. Drawing parallels with India's successful UPI payment revolution, Chadha's proposal could transform how Indians invest in real estate, infrastructure, and intellectual property through blockchain technology.
Tokenization: India's Next Financial Revolution?
During a passionate address in the Rajya Sabha (India's upper parliamentary house), Chadha argued that tokenization could do for asset ownership what UPI did for digital payments. "Just as street vendors and rickshaw drivers now use UPI, tokenization can make premium investments accessible to all," stated the youngest member of parliament, drawing applause from his colleagues.
The proposed "Tokenization Bill" WOULD enable fractional ownership of commercial properties, highways, and even intellectual property through digital tokens. Chadha emphasized this could break the monopoly of wealthy investors who currently dominate these asset classes.
Why India's Middle Class Needs Tokenization
Chadha painted a stark picture of current investment limitations: "Our middle-class investors are trapped between low-yield savings accounts and inaccessible premium assets. Commercial buildings are too expensive, infrastructure projects are out of reach, and private equity remains exclusive."
He illustrated his point with Gold investments: "While 10 grams of gold costs ₹135,000, tokenization could let someone invest just ₹500. No brokerage fees, no paperwork nightmares - just simple, inclusive investing." Data from TradingView shows gold prices have remained volatile in 2025, making fractional ownership particularly appealing.
Global Precedents for Tokenization
The parliamentarian cited successful implementations worldwide:
- United States: SEC's integration of tokenization into securities law
- European Union: MiCA (Markets in Crypto-Assets Regulation)
- UAE: Establishment of a Virtual Asset Regulatory Authority
- Singapore: Project Guardian for institutional tokenization
"70-80% of Indian family wealth is tied to real estate and precious metals," Chadha noted. "We're culturally primed for tokenization - we just need the regulatory framework." CoinMarketCap data shows tokenized real estate assets grew 47% globally in Q3 2025.
The Regulatory Tightrope
While advocating for tokenization, Chadha acknowledged the Reserve Bank of India's (RBI) cautious stance on stablecoins. RBI Deputy Governor T. Rabi Sankar recently warned that stablecoins pose "significant macroeconomic risks" without offering benefits beyond traditional fiat.
"We need a sandbox approach," Chadha proposed. "Clear legislation for asset tokenization while maintaining safeguards against systemic risks." This balanced view has garnered support from both crypto advocates and traditional economists.
Implementation Roadmap
The proposed legislation would:
- Establish clear tokenization standards
- Create a regulatory sandbox for experimentation
- Develop investor protection mechanisms
- Integrate with existing financial infrastructure
As one BTCC market analyst noted, "India's approach could set a global benchmark if they balance innovation with consumer protection."
Potential Impact on Indian Economy
Industry experts predict tokenization could:
| Sector | Potential Growth |
|---|---|
| Real Estate | +35% liquidity |
| Precious Metals | +28% participation |
| Startup Funding | +42% accessibility |
Source: Economic Times India (December 2025)
Public Response and Next Steps
The proposal has sparked lively debate across social media, with #TokenizeIndia trending nationally. While some praise its inclusive potential, others urge caution regarding implementation timelines.
Chadha remains optimistic: "Tokenization will become inclusive when regulatory clarity arrives through proper legislation. We're not just talking about financial innovation - we're talking about financial emancipation."
As Parliament considers the bill, all eyes are on whether India will join the global tokenization wave or chart its own distinctive path in digital asset regulation.
Tokenization in India: Your Questions Answered
What is asset tokenization?
Asset tokenization converts physical or intellectual assets into digital tokens on a blockchain, enabling fractional ownership and easier transfer of high-value assets.
How would tokenization help average Indians?
It would allow small investors to own portions of premium assets (like commercial real estate or gold) that are currently too expensive for individual purchase.
What are the risks of tokenization?
Potential risks include regulatory uncertainty, market volatility, and technological vulnerabilities, though proper legislation could mitigate these concerns.
When might India implement tokenization?
While no official timeline exists, experts suggest pilot programs could begin in 2026 if the proposed bill passes.
How does this differ from cryptocurrency?
Unlike speculative cryptocurrencies, tokenized assets represent ownership in real-world valuables with intrinsic worth.
