Purpose

Property type

Country & City

Scenario B — invest via

Investment mode: You already have a home. You're buying this property to rent out. Rent received offsets your loan payment. Scenario B invests the same capital instead.
India market context: Home loan: 8–9.5% · Metro appreciation: 7–12% · RD: 6.5–7.5% · Equity SIP: 11–13% · Stamp duty 4–8% by state · Section 24(b) ₹2L interest deduction · Section 80C ₹1.5L principal
⚙ Parameters
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Property & Loan
Property price in India₹4.1 Cr

Total purchase price of the property

Down payment — paid from your savings?20% — ₹82.0L

Percentage of property price paid upfront

Bank loan interest rate?7.75%

Your home loan interest rate per year

Loan repayment period20 years

Years to fully repay the bank loan

Rental Income Received
Monthly rent received from tenant₹2.5L/mo

This offsets your monthly loan payment

How much rent grows each year5%/yr

Annual rent increase — typically 5–8% in Indian cities

Tax on rental income?30%

Your income tax rate applied to rent received

Time without a tenant each year?8%

Percentage of year with no rental income

Property Growth
Property price growth each year?8%/yr

Annual increase in property market value

Scenario B — If You Invest Instead
Return on Recurring Deposit6.5%

RD: typically 6.5–7.5% in India

Return on down payment invested?7%

Annual return on the down payment if invested

How many years to compare20 years

The time horizon for this comparison

General inflation rate?5%

Used to calculate inflation-adjusted real values

Extra Loan Repayment Each Year
Extra annual payment towards loan₹10L/yr

Paid off the loan principal each year. In Scenario B, this same amount is invested — fair comparison.

Start from yearYear 1

When do extra repayments begin?

⚖️Simulation tool — not financial advice. Results depend on your inputs and will differ from real outcomes. We are not registered with SEBI as investment advisers. Consult a qualified Chartered Accountant (CA) before making decisions. Full disclaimer →
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