Real Estate ROI Calculator India — Total Property Return 2026
Real-World Examples — 2026
₹50 lakh property sold at ₹1 crore after 10 years
Capital gain: ₹50 lakh. Rental income (₹15,000/month net for 10 years): ₹18 lakh. Total return: ₹68 lakh on ₹50 lakh investment. ROI: 136% total, CAGR ≈ 9.1% p.a. After LTCG tax (12.5% on ₹50 lakh = ₹6.25 lakh): net return ≈ 8.4% CAGR.
Leveraged purchase — 80% loan
₹50 lakh property, ₹10 lakh down payment (80% loan). Appreciation to ₹1 crore in 10 years: capital gain ₹50 lakh on ₹10 lakh invested = 500% gain (leveraged ROI). But subtract total interest paid (~₹40 lakh) = net ₹10 lakh gain on ₹10 lakh investment = moderate unleveraged return.
Frequently Asked Questions
What is a good real estate ROI in India?
Total ROI (capital appreciation + rental yield) for residential property in India: metro cities 9–12% p.a. over 10–20 years, Tier 2 cities 10–14%. But these are gross returns — deduct capital gains tax, maintenance, property tax, and broker fees for net return. Compare with Nifty 50 returning 13–15% CAGR historically.
How is capital gains tax calculated on property sale?
Holding ≤2 years: STCG (short-term capital gain) taxed at income slab rate. Holding >2 years: LTCG at 12.5% (no indexation) from Budget 2024, or optional 20% with indexation. Indexed cost = purchase price × (CII of sale year / CII of purchase year). Gain reinvested in new property or NHAI/REC bonds within 6 months qualifies for Section 54/54EC exemption.
Should I include home loan interest in real estate ROI calculation?
Yes. If the property is purchased with a home loan, the total cost = down payment + total EMIs paid + stamp duty/registration. Include all these in your cost basis for accurate ROI. The leveraged return can be higher or lower than the all-equity purchase return depending on loan rate vs appreciation.
Is this calculator free?
Yes, completely free on CalcPhi.
Are my inputs stored?
No. Calculations run in your browser.
Is it mobile-friendly?
Yes. Works on all modern smartphones.