Make Smarter Property Decisions

Compare Indian Cities

City intelligence pages for 14 markets, with calculators, stamp duty and decision tools. Verified market data is shown only once a source is connected.

• MumbaiMarket data integration coming soon.
• DelhiMarket data integration coming soon.
• BengaluruMarket data integration coming soon.
• PuneMarket data integration coming soon.
• HyderabadMarket data integration coming soon.
• ChennaiMarket data integration coming soon.
• GurugramMarket data integration coming soon.
• NoidaMarket data integration coming soon.
• Greater NoidaMarket data integration coming soon.
• AhmedabadMarket data integration coming soon.
• KolkataMarket data integration coming soon.
• ThaneMarket data integration coming soon.
• JaipurMarket data integration coming soon.
• LucknowMarket data integration coming soon.

Frequently asked questions

Home loans, EMI, purchase costs, rental yield and ROI — the questions Indian buyers ask most.

How is a home loan EMI calculated in India?

+

Indian lenders use the reducing-balance formula: EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1), where P is the loan amount, r the monthly interest rate (annual rate ÷ 12 ÷ 100) and n the number of monthly instalments. Early EMIs are mostly interest; the principal share rises as the balance falls.

What home loan amount can I actually get?

+

Two limits apply. RBI loan-to-value caps allow up to 90% of the agreement value for loans up to ₹30 lakh, 80% up to ₹75 lakh and 75% above that. Separately, lenders keep your total EMIs inside roughly 40–55% of net monthly income (the FOIR test). The lower of the two decides your sanction.

What interest rate should I expect on a home loan right now?

+

Indicative floating rates from major Indian lenders currently sit in the 7.5–9% range, with the lowest slabs reserved for credit scores above 750. Almost all retail home loans are linked to an external benchmark, so the rate resets when policy rates move. Compare the spread over the benchmark, not just today's headline rate.

How much do stamp duty and registration add to the price?

+

Government charges typically add 5–11% of the property value and cannot be funded by your loan. Delhi charges 6% duty plus 1% registration, Maharashtra 5–7% including cess, Karnataka about 5.6% all-in, and Tamil Nadu roughly 11% once its 4% registration fee is added. Under-construction homes also attract 5% GST (1% for affordable housing).

What is a good rental yield in India?

+

Gross rental yield is annual rent ÷ purchase price. Indian metros run between about 3% in Mumbai and 4.5% in Bengaluru, Hyderabad and Gurugram. Net yield — after maintenance, property tax, insurance, repairs, brokerage and vacancy — is usually 0.8 to 1.2 percentage points lower, and is the number worth judging a purchase on.

How do I work out ROI on a property?

+

Total ROI combines rental income and capital appreciation, minus every cost: acquisition charges of 6–11%, ongoing expenses, loan interest and 1–2% selling costs. Annualising it (CAGR) lets you compare the property against a fixed deposit or an index fund on the same basis. The ROI calculator does this from your own price, rent and growth assumptions.

Is it better to buy or to rent in India?

+

It depends on your holding period. Because acquisition costs alone are 6–11%, buying usually needs seven years or more to beat renting and investing the difference. Below that horizon, renting and investing your down payment often wins. The buy-vs-rent calculator compares both paths using your rate, rent growth and expected investment return.

Should I prepay my home loan or invest the money?

+

Prepaying a floating-rate home loan is a guaranteed saving at your loan rate — currently around 7.5–9% — with no penalty for individual borrowers. Investing wins only if you reliably beat that after tax. Keep three to six months of expenses liquid first, then prepay early in the tenure, when the interest saving is largest.

Still unsure about a number? Get in touch or read the property insights blog.