Rent vs Buy — India

Stamp duty, registration, Section 24 and 80C tax benefits — the true cost comparison for Indian cities, not a borrowed US framework.

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Property price

₹

Monthly rent (equivalent property)

₹

City tier

Down payment

Home loan interest rate

Loan tenure

years

Stamp duty

Registration charges

Property tax

% of value/yr

Maintenance

% of value/yr

Include home loan tax benefit

Your tax bracket

Section 24 lets you deduct home loan interest (capped at ₹2L/year) and Section 80C lets you deduct principal repaid (within the overall ₹1.5L 80C cap) — verify current limits at incometax.gov.in.

Annual rent growth

Annual home appreciation

Opportunity cost rate12%

Years to model

Renting comes out ahead

₹88.75 L

Over 10 years, monthly EMI: ₹57,582

One-time buying costs

₹20.80 L

Break-even

Beyond horizon

Total EMI paid

₹69.10 L

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