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Smart Decision Making

Real Estate Tools

Powerful calculators and planning tools to help you make confident property investment decisions — from EMI planning to stamp duty estimation.

Home Loan EMI

Calculate Your Monthly Instalment

Enter your loan details below to instantly calculate your EMI, total interest, and year-wise amortization schedule.

₹50L
Between ₹5 Lakh – ₹5 Crore
8.5%
Current SBI home loan rate: ~8.50% p.a.
20 Yrs
Maximum tenure: 30 years
Monthly EMI
₹43,391
Per Month
Principal
₹50.00L
Total Interest
₹54.14L
Total Payment
₹1.04Cr
Interest %
52%
SPLIT 48%
◆ Year-wise Amortization Schedule
Year Opening Balance Principal Paid Interest Paid Closing Balance
Loan Eligibility

How Much Can You Borrow?

Find out your home loan eligibility based on your income, existing obligations, and preferred tenure.

Your take-home salary after tax deductions
Car loan, credit card dues, other EMIs
Maximum Loan Eligible
₹1.04 Cr
Max EMI: ₹90,000/month (60% of salary)
Available for EMI₹90,000
Existing Obligations10%
Living Expenses (est.)30%
◆ Banks typically approve up to 60% of net salary as EMI capacity.
◆ Loan amount shown is indicative; actual approval depends on credit score, employer, and bank policy.
◆ Down payment required: typically 10–20% of property value.
Registration & Stamp Duty

Estimate Your Transaction Cost

Stamp duty and registration charges vary by state and buyer profile. Get an accurate estimate before you finalize your deal.

Total Transaction Cost
₹7.00L
7% of property value
Stamp Duty
₹5.00L
Registration
₹2.00L
◆ Rates shown are approximate and subject to revision by respective state governments.
◆ Additional GST of 1% applies on under-construction properties valued above ₹45L.
◆ Consult a legal expert before finalizing your transaction.
Reference
◆ State-wise Stamp Duty Rates (2025)
StateStamp Duty (Male)Stamp Duty (Female)Registration
Uttar Pradesh7%7%2% (max ₹20,000)
Haryana7%5%2%
Delhi6%4%1%
Maharashtra6%5%1% (max ₹30,000)
Karnataka5.6%5.6%1%
Return on Investment

Property Investment Returns

Calculate your expected return on investment, rental yield, and projected property value over time.

Historical NCR avg: 7–10% per year
Total Return (Capital + Rental)
₹2.65Cr
165% absolute return
Future Value
₹2.16Cr
Net Rental Income
₹36.0L
Gross Rental Yield
4.20%
CAGR
10.2%
◆ Projections are indicative. Actual returns depend on market conditions, location, and property type.
◆ Tax implications (LTCG, TDS on rent) are not factored in. Consult a CA for tax planning.
Rent vs Buy Analysis

Should You Rent or Buy?

Compare the true cost of renting versus buying a property over your preferred time horizon.

Recommendation
Buying is Better
You save ₹12.4L by buying
Total Buy Cost
₹1.12Cr
Total Rent Cost
₹43.5L
Property Value
₹1.55Cr
Net Gain (Buy)
₹43.2L
◆ Buy cost = EMIs + stamp duty + maintenance. Rent cost = cumulative rent with annual escalation.
◆ Net gain accounts for property appreciation minus total ownership cost.

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Dream Home?

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