Rental yield calculator
What the property earns as an asset, net of the costs of owning it — and how that compares with the locality it sits in.
The property
All-in acquisition cost, not the base price — duty and interiors are capital too.
Against the locality
A yield number means nothing on its own. These are the medians we hold for real localities in our own coverage — the same figures the locality pages publish.
At the Civil Lines median, a ₹ 90 L home lets for about ₹ 21,000 a month. Your rent assumption is well above that — check comparable listings before you underwrite it.
Indian residential yields sit at 2.5–4%. That is below a fixed deposit, which is why the case for buying rests on appreciation and on not paying rent — never on yield alone.
- ·Locality medians come from our own locality dataset — the same rows the locality pages render, not a national average.
- ·Rent is assumed flat. In practice it steps up 5–8% a year, which improves yield over the hold.
- ·Holding cost should include society maintenance, property tax, insurance and an honest repair reserve.
- ·Tax is not modelled: rental income is taxable at slab after a 30% standard deduction and the full interest deduction on a let-out property.
- ·Payback ignores appreciation and the loan — it is the capital-recovery period on rent alone.
Talk to an advisor about this
A calculator gives you the arithmetic. An advisor tells you which lender will actually sanction it, which projects have an approved-project (APF) tie-up so the file moves in days rather than weeks, and what the builder will negotiate on. No fee to you — we are paid by the developer on a registered booking.
- · Rate comparison across a 10-lender panel
- · Paperwork prepared and tracked to disbursal
- · Callback within 5 minutes, 9:30am–8pm IST