Real Estate Calculators & Guides for Indian Property Buyers
Buying property is the single largest financial commitment most Indian families will ever make. A home in a major metro typically costs 5 to 8 times annual household income, and that ratio climbs even higher in cities like Mumbai where prime locations command 12 to 15 times earnings. Beyond the base price, buyers face stamp duty charges of 5 to 8 percent, registration fees, GST on under-construction flats, and loan processing costs that together add 15 to 20 percent to the sticker price. Making this decision without running the numbers is a recipe for financial stress that can last decades.
Each city presents unique challenges. Mumbai's price-to-rent ratio exceeds 30x, making renting financially smarter for many residents. Bangalore's IT corridor has seen 8 to 12 percent annual appreciation, rewarding early buyers in Whitefield and Sarjapur Road. Delhi NCR is a patchwork of micro-markets where Gurgaon and Noida Expressway behave like entirely different cities. Hyderabad and Pune offer relatively better rental yields of 3 to 4 percent, narrowing the gap between owning and renting. Understanding these local dynamics is critical before committing your savings.
Our six real estate calculators help you analyse every dimension of a property purchase: rent vs buy NPV analysis, EMI with prepayment simulation, state-wise stamp duty computation, rental yield assessment, PMAY subsidy eligibility, and capital gains tax on property sale. Each calculator uses current 2026 data, including post-RBI rate cut home loan rates and updated circle rates, so your analysis reflects real market conditions rather than outdated assumptions.
Calculators
Rent vs Buy
Should you buy a home or keep renting? City-specific NPV analysis for Mumbai, Bangalore, Delhi, Pune & Hyderabad.
EMI Calculator
EMI with prepayment simulator — see how much interest you save and years you reduce.
Stamp Duty
Calculate stamp duty, registration & total acquisition cost across Maharashtra, Karnataka, Delhi, TN & Telangana.
Rental Yield
Calculate gross yield, net yield, cap rate, and cash-on-cash return on your rental property. Compare rental income vs property appreciation to make informed investment decisions.
PMAY Subsidy
Calculate your PMAY Credit Linked Subsidy Scheme (CLSS) benefit. Find out if you're eligible under EWS, LIG, MIG-I, or MIG-II category and compute the exact subsidy amount and reduced EMI.
Capital Gains Tax
Calculate LTCG and STCG tax on property sale in India. Compare old regime (20% + indexation) vs new regime (12.5%, post-Budget 2024). Apply Section 54 and 54EC exemptions.
Car Loan EMI
Calculate car loan EMI based on on-road price, down payment, and interest rate with full amortization schedule.
Home Loan Eligibility
Find out your maximum home loan amount based on income, existing EMIs, and interest rate.
Guides
Rent vs Buy Guide
Should you buy a home or keep renting in India? Complete guide with NPV calculator for 5 major cities.
EMI Guide
Everything about home loan EMI — calculation, prepayment strategies, and how to save lakhs in interest.
Stamp Duty Guide
State-wise stamp duty rates, registration charges, and savings tips for property buyers in India.
Capital Gains Guide
Calculate LTCG and STCG on property sale in India. Old regime vs new regime comparison with Section 54 and 54EC exemptions.
Rental Yield Guide
Calculate gross yield, net yield, and cap rate on rental property. City-wise rental yield benchmarks for Indian metros.
PMAY Guide
Calculate PMAY CLSS subsidy. Eligibility for EWS, LIG, MIG-I, MIG-II categories with exact subsidy amount and reduced EMI.
EMI Prepayment Guide
Should you prepay your home loan or invest the surplus? Strategies to save lakhs in interest with prepayment timing.
Stamp Duty Tips
Legal strategies to reduce stamp duty: women ownership, PMAY, resale vs new, joint registration, and state-specific exemptions.
Capital Gains Tax 2026
Updated LTCG and STCG tax rules post-Budget 2026 — equity, debt, property, and gold with examples.
RBI Repo Rate Feb 2026
RBI monetary policy impact on home loan EMIs, FD rates, and savings — what the repo rate change means for you.
First Home Cost
Total cost of buying a home in India — down payment, stamp duty, registration, legal fees, and hidden charges.
Buy vs Rent 10 Cities
Data study: rent vs buy NPV analysis across Mumbai, Bangalore, Delhi, Pune, Hyderabad, and 5 more cities.
NRI Property Sale
NRI guide to selling property in India — TDS at 20%, capital gains tax, repatriation, and lower TDS certificate.
Comparisons
Prepay vs SIP
Should you prepay your home loan or invest in SIP? NPV comparison of interest saved vs wealth created.
Rent vs Buy Mumbai
Should you buy a flat in Mumbai or keep renting? NPV analysis with Mumbai-specific property prices, rents, and appreciation.
Rent vs Buy Bangalore
Should you buy a flat in Bangalore or keep renting? NPV analysis with Bangalore property prices, rents, and appreciation.
Rent vs Buy Delhi
Should you buy in Delhi NCR or keep renting? NPV analysis with Delhi, Gurgaon, Noida property prices and appreciation.
Rent vs Buy Hyderabad
Should you buy a flat in Hyderabad or keep renting? NPV analysis with Hyderabad property prices, rents, and appreciation.
Flat vs Plot
Compare buying a flat vs plot in India. Appreciation rates, rental income, maintenance, loan eligibility, and resale value.
Rent vs Buy Pune
Should you buy a flat in Pune or keep renting? NPV analysis with Pune property prices, rents, and IT corridor appreciation.
Data
Frequently Asked Questions
What is the best time to buy property in India?
The best time depends on market cycles, interest rates, and personal readiness. Historically, buying during monsoon season (Jul–Sep) or year-end often yields better deals as builders clear inventory. Low repo rate periods (like post-RBI cuts) also favour buyers with cheaper EMIs.
How much down payment do I need for a home loan?
Banks typically finance 75–90% of property value, so you need 10–25% as down payment. Add 7–10% for stamp duty and registration, plus 1–2% for legal and processing fees. Budget at least 20–30% of property value as upfront cost.
What is stamp duty and how is it calculated?
Stamp duty is a state tax on property transactions, ranging from 3% to 8% of property value depending on the state. Maharashtra charges 6% (5% for women), Karnataka 5%, Delhi 6% (4% for women). It’s calculated on the higher of agreement value or circle/guidance value.
Should I rent or buy in Mumbai, Bangalore, or Delhi?
It depends on price-to-rent ratio and your stay duration. Mumbai’s ratio exceeds 30x (favours renting), Bangalore is 25–28x (mixed), and Delhi NCR varies by micro-market. Use the Rent vs Buy calculator with city-specific data for a personalised NPV analysis.
How does PMAY subsidy reduce my EMI?
PMAY CLSS provides an interest subsidy on home loans for EWS/LIG/MIG categories. The subsidy (up to ₹2.67 lakh) is applied as a lump-sum reduction to your loan principal, directly lowering your EMI. Eligibility depends on household income and property carpet area.
What is capital gains tax on property sale?
Short-term gains (held < 2 years) are taxed at your income slab rate. Long-term gains have two options post-Budget 2024: old regime (20% with indexation) or new regime (12.5% without indexation). You can claim exemptions under Section 54 (reinvest in another house) or 54EC (invest in bonds).
What is a good rental yield in India?
Average gross rental yields in Indian metros range from 2–4%. Bangalore and Hyderabad tend to offer 3–4%, Mumbai 2–2.5%, and Delhi NCR 2.5–3.5%. Net yield (after maintenance, vacancy, taxes) is typically 1–1.5% lower. Compare with FD rates to assess viability.
How much can I save with home loan prepayment?
Even small prepayments can save lakhs. Prepaying ₹1 lakh annually on a ₹50 lakh, 20-year loan at 8.5% can save ₹8–12 lakh in total interest and reduce tenure by 3–5 years. Use the EMI calculator with prepayment simulator for exact savings.
What are women buyer stamp duty concessions?
Several states offer reduced stamp duty for women buyers: Maharashtra (1% discount), Delhi (2% discount — 4% vs 6%), Rajasthan (1% less), Haryana (varies by area). Joint registration with a woman co-owner can also qualify for concessions in some states.
How do I calculate the total cost of buying a flat?
Total cost = Property price + Stamp duty (3–8%) + Registration (0.5–1%) + GST (5% for under-construction, 0 for ready) + Legal fees + Loan processing (0.5–1% of loan) + Interior + Maintenance deposit. Typically, budget 15–20% above the base property price for all charges.