Tools
Rent vs buy
Should you rent or buy a home in Pune? Compare your net worth year by year, with stamp duty and your EMI included.
- EMI
- ₹55,541
- Paid up front (down payment + stamp duty + registration)
- ₹21,90,000
- If you buy — worth after 10 years
- ₹85,51,552
- If you rent — savings after 10 years
- ₹94,50,105
After 10 years, renting leaves you ₹8,98,553 better off.
Leaves out maintenance, property tax and tax benefits on the loan.
| Year | If you buy | If you rent |
|---|---|---|
| 1 | ₹21,27,375 | ₹27,51,998 |
| 2 | ₹26,86,008 | ₹33,45,080 |
| 3 | ₹32,77,895 | ₹39,71,046 |
| 4 | ₹39,05,170 | ₹46,31,810 |
| 5 | ₹45,70,113 | ₹53,29,401 |
| 6 | ₹52,75,165 | ₹60,65,976 |
| 7 | ₹60,22,938 | ₹68,43,824 |
| 8 | ₹68,16,229 | ₹76,65,378 |
| 9 | ₹76,58,031 | ₹85,33,223 |
| 10 | ₹85,51,552 | ₹94,50,105 |
Rates last checked 2026-10-13. Confirm with your Sub-Registrar or bank before you pay.
How it's calculated
If you buy, you pay the down payment, stamp duty and registration up front, then the EMI each month. What you own is the home's value (growing at the rate you set) minus the loan still owed.
If you rent, you invest that same up-front amount instead, and each month invest whatever the EMI would have cost beyond the rent (or draw from it when the rent is higher). What you own is that investment.
The comparison shows both, year by year, and the first year buying comes out ahead.
FAQs
It depends on how long you stay, rents and price growth — the calculator shows the year buying pulls ahead, if it does.
More property tools
- Stamp duty calculatorStamp duty, metro cess and registration in Pune & PCMC
- Home-loan eligibilityHow much you can borrow, and the home it buys
- All-in cost of buyingPrice + stamp duty + registration + GST
- EMI calculatorMonthly EMI, interest and repayment schedule
- Area converterSq ft, sq m, guntha, acre, hectare and more
Want exact numbers for a specific flat? Talk to a Pune Home expert.