रिअल इस्टेट परतावा (आरओआय) कॅल्क्युलेटर
निवासी किंवा व्यावसायिक मालमत्तेतील गुंतवणुकीवरील परतावा काढा
निव्वळ नफा
₹४७,४९,९८४
सत्तेचाळीस लाख एकोणपन्नास हजार नऊशे चौऱ्याऐंशी रुपये
मालमत्तेचे भविष्यातील मूल्य
₹१,०७,९४,६२५
एक कोटी सात लाख चौऱ्याण्णव हजार सहाशे पंचवीस रुपये
खरेदीचा एकूण खर्च
₹५५,५०,०००
पंचावन्न लाख पन्नास हजार रुपये
एकूण ROI
८५.५९%
सीएजीआर
६.८८%
मालमत्तेचे मूल्य विरुद्ध एकूण खर्च; भाडे वगळून
भाडे परतावा
४.८%वार्षिक
एकूण भाडे उत्पन्न
₹२४,००,०००
चोवीस लाख रुपये
| घटक | रक्कम |
|---|---|
| खरेदी किंमत | ₹५०,००,००० |
| नोंदणी आणि मुद्रांक शुल्क (७%) | ₹३,५०,००० |
| नूतनीकरणाचा खर्च | ₹२,००,००० |
| खरेदीचा एकूण खर्च | ₹५५,५०,००० |
| मालमत्तेचे भविष्यातील मूल्य | ₹१,०७,९४,६२५ |
| एकूण भाडे उत्पन्न | ₹२४,००,००० |
| एकूण देखभाल खर्च | -₹३,००,००० |
| कर्जावरील व्याज (धारण कालावधीत) | -₹२५,९४,६४१ |
| मासिक ईएमआय (दरमहा) | ₹३०,३७४ |
| निव्वळ नफा | ₹४७,४९,९८४ |
हे पूर्णपणे आपल्या ब्राउझरमध्ये चालते. आपण टाइप किंवा अपलोड केलेले काहीही आम्हाला पाठवले जात नाही किंवा साठवले जात नाही.
हे निकाल अंदाजे आहेत, आर्थिक सल्ला नाही. दर, शुल्क आणि नियम बदलत असतात, त्यामुळे निर्णय घेण्यापूर्वी आपली बँक, पोस्ट ऑफिस किंवा आर्थिक सल्लागाराकडून खात्री करून घ्या. वापराच्या अटी
भाषांतर तयार होईपर्यंत खालील मार्गदर्शक इंग्रजीत आहे.
कसे वापरावे
- खरेदी किंमत भरा आणि नोंदणी आणि मुद्रांक शुल्क किती टक्के आहे ते भरा (राज्यानुसार साधारणपणे 5 ते 8%).
- नूतनीकरणाचा खर्च असल्यास तो, आणि वार्षिक देखभाल खर्च भरा.
- मालमत्ता भाड्याने दिली असल्यास मासिक भाडे उत्पन्न भरा. आपण स्वतः तिथे राहत असल्यास 0 भरा.
- किंमतवाढीचा अपेक्षित दर (वार्षिक) आणि धारण कालावधी भरा. कर्ज घेतले असल्यास कर्जाची रक्कम, व्याजदर आणि मुदत भरा; मालमत्ता आपल्याकडे असेपर्यंत भरलेले व्याज खर्चात धरले जाते. कर्ज नसल्यास 0 भरा.
- निव्वळ नफा, एकूण ROI, सीएजीआर, भाडे परतावा आणि खर्चाचा तपशील आपण टाइप करताच बदलतात. ते PDF, CSV किंवा Excel फाइल म्हणून सेव्ह करा.
What a property really earns you
Property returns come from two places: capital appreciation (the rise in the property's value) and rental income. Most buyers look only at appreciation and forget the full cost of owning: stamp duty, registration, maintenance, loan interest and property tax. This real estate ROI calculator puts all of it together, so you see the actual return on the flat or plot.
The full cost of owning
| Cost Component | Typical Range |
|---|---|
| Stamp Duty | 3–7% of property value (varies by state) |
| Registration Fee | 1% of property value |
| GST (under-construction) | 1–5% (affordable vs regular) |
| Brokerage | 1–2% (buyer's side) |
| Interior/Renovation | ₹500–2,000 per sq ft |
| Society Maintenance | ₹2–10 per sq ft per month |
Rental yield in Indian cities
| City | Gross Rental Yield |
|---|---|
| Mumbai (premium) | 2–3% |
| Bengaluru / Hyderabad | 3–4% |
| Pune / Chennai | 3–4% |
| Delhi NCR | 2.5–3.5% |
| Tier-2 cities | 4–6% |
Property vs mutual funds over the long term
- Indian property has gone up by about 7–10% a year (CAGR) over 10 years in most cities.
- A Nifty 50 SIP over the same period has returned about 12–14% CAGR.
- Still, property gives you something you can touch, a rent cheque, and a sense of security that shares can't.
- After all costs, the net return on property is often 4–7% a year. Compare the two honestly before you decide.
नेहमी विचारले जाणारे प्रश्न
About 7–10% CAGR, net of stamp duty, registration, maintenance and loan interest, is considered good for a home. Big metros like Mumbai and Delhi often return less (5–8%) because prices are high compared with rents and growth. Fast-growing cities and suburbs (Pune, Hyderabad, outer Bengaluru) often give 8–12%. Commercial property can earn a 7–10% rental yield but needs more money upfront. Compare any figure with a Nifty 50 SIP (12–14% CAGR) to see what you're giving up.
Buying to live in usually makes more sense. It works if you plan to stay 7 years or more (long enough for appreciation to cover the buying costs), have a 20–30% down payment ready, and the EMI is under 35% of your take-home pay. As a pure investment, equity mutual funds often win on both returns and liquidity. Property works better as one part of your portfolio (5–15% of your net worth) than as the main investment.
It's a state tax on property purchases, usually 3–7% of the property value. Rates differ a lot by state: Delhi charges 6% for men, 4% for women and 5% for joint owners; Maharashtra 5–7% depending on the city, with 1% off for women buyers; Karnataka about 5% and UP 7%. Registration adds about 1% in most states (Maharashtra caps it at ₹30,000). You pay these upfront and never get them back, which is a big reason why buying and selling property quickly rarely makes money.
Yes. For a let-out (rented) property, the whole home loan interest can be deducted from the rent under Section 24(b), with no ₹2 lakh cap (a self-occupied home is capped at ₹2 lakh). Principal repayment can be claimed under 80C, within the ₹1.5 lakh limit. If this leaves you with a loss on the property, up to ₹2 lakh a year can be set off against your other income, and the rest carried forward for 8 years.