Property Investment Calculator — Ahmedabad (2026)
Rental yield, cash flow, and return on cash for a buy-to-let in Ahmedabad, Gujarat. Planning to live in it instead? Use the Ahmedabad rent vs buy calculator.
Thinking about buying property to rent out in Ahmedabad? This calculator models a Ahmedabad buy-to-let the way an investor should look at it — not just the EMI, but the gross rental yield, monthly cash flow, the full 6.9% of upfront transaction costs (Gujarat stamp duty, registration, and brokerage), and your return on cash if you sell in any of the next 30 years.
On the worked example of a ₹80,00,000 property (assuming 30% down at 8.5% over 20 years, all editable), the EMI is ₹48,598 and you need ₹29,52,000 of upfront cash. A typical rent of ₹22,000/month is a gross rental yield of 3.3% and a monthly shortfall of ₹26,598 that you fund until rents rise.
Selling after 10 years under the default 7% property-growth and 5% rent-growth assumptions, the modelled net gain is ₹61,96,976 — a return on cash of about 210% on your ₹29,52,000 outlay. The investment breaks even on sale around year 2. Rental yields and price growth vary a lot by locality and are not guaranteed — use the calculator to test conservative cases before you commit.
Ahmedabad property investment calculator
Key outputs
On a ₹80,00,000 property in Ahmedabad, the gross rental yield is 3.3% and monthly cash flow is -₹26,598 (you top this up each month). You need ₹29,52,000 upfront, and it turns net-positive on sale around year 2.
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30-year projection
Full year-by-year projection
| Year | Property value | Annual rent | Annual EMI | Outstanding loan | Home equity | Net (rent − EMI) | Cumulative net cash | Net gain if sold |
|---|---|---|---|---|---|---|---|---|
| 1 | ₹85,60,000 | ₹2,64,000 | ₹5,83,177 | ₹54,88,547 | ₹30,71,453 | -₹3,19,177 | -₹3,19,177 | -₹2,85,324 |
| 2 | ₹91,59,200 | ₹2,77,200 | ₹5,83,177 | ₹53,67,243 | ₹37,91,957 | -₹3,05,977 | -₹6,25,154 | ₹1,23,211 |
| 3 | ₹98,00,344 | ₹2,91,060 | ₹5,83,177 | ₹52,35,216 | ₹45,65,128 | -₹2,92,117 | -₹9,17,272 | ₹5,97,852 |
| 4 | ₹1,04,86,368 | ₹3,05,613 | ₹5,83,177 | ₹50,91,520 | ₹53,94,848 | -₹2,77,564 | -₹11,94,836 | ₹11,43,148 |
| 5 | ₹1,12,20,414 | ₹3,20,894 | ₹5,83,177 | ₹49,35,122 | ₹62,85,292 | -₹2,62,284 | -₹14,57,119 | ₹17,63,968 |
| 6 | ₹1,20,05,843 | ₹3,36,938 | ₹5,83,177 | ₹47,64,900 | ₹72,40,943 | -₹2,46,239 | -₹17,03,358 | ₹24,65,526 |
| 7 | ₹1,28,46,252 | ₹3,53,785 | ₹5,83,177 | ₹45,79,632 | ₹82,66,620 | -₹2,29,392 | -₹19,32,750 | ₹32,53,407 |
| 8 | ₹1,37,45,489 | ₹3,71,475 | ₹5,83,177 | ₹43,77,988 | ₹93,67,501 | -₹2,11,703 | -₹21,44,453 | ₹41,33,593 |
| 9 | ₹1,47,07,674 | ₹3,90,048 | ₹5,83,177 | ₹41,58,521 | ₹1,05,49,153 | -₹1,93,129 | -₹23,37,582 | ₹51,12,494 |
| 10 | ₹1,57,37,211 | ₹4,09,551 | ₹5,83,177 | ₹39,19,654 | ₹1,18,17,557 | -₹1,73,627 | -₹25,11,208 | ₹61,96,976 |
| 11 | ₹1,68,38,816 | ₹4,30,028 | ₹5,83,177 | ₹36,59,674 | ₹1,31,79,142 | -₹1,53,149 | -₹26,64,358 | ₹73,94,396 |
| 12 | ₹1,80,17,533 | ₹4,51,530 | ₹5,83,177 | ₹33,76,714 | ₹1,46,40,819 | -₹1,31,648 | -₹27,96,005 | ₹87,12,638 |
| 13 | ₹1,92,78,760 | ₹4,74,106 | ₹5,83,177 | ₹30,68,743 | ₹1,62,10,017 | -₹1,09,071 | -₹29,05,076 | ₹1,01,60,153 |
| 14 | ₹2,06,28,273 | ₹4,97,811 | ₹5,83,177 | ₹27,33,550 | ₹1,78,94,723 | -₹85,366 | -₹29,90,442 | ₹1,17,45,998 |
| 15 | ₹2,20,72,252 | ₹5,22,702 | ₹5,83,177 | ₹23,68,729 | ₹1,97,03,523 | -₹60,475 | -₹30,50,917 | ₹1,34,79,883 |
| 16 | ₹2,36,17,310 | ₹5,48,837 | ₹5,83,177 | ₹19,71,661 | ₹2,16,45,649 | -₹34,340 | -₹30,85,258 | ₹1,53,72,218 |
| 17 | ₹2,52,70,522 | ₹5,76,279 | ₹5,83,177 | ₹15,39,496 | ₹2,37,31,026 | -₹6,898 | -₹30,92,156 | ₹1,74,34,164 |
| 18 | ₹2,70,39,458 | ₹6,05,093 | ₹5,83,177 | ₹10,69,132 | ₹2,59,70,327 | ₹21,916 | -₹30,70,240 | ₹1,96,77,692 |
| 19 | ₹2,89,32,220 | ₹6,35,347 | ₹5,83,177 | ₹5,57,191 | ₹2,83,75,029 | ₹52,170 | -₹30,18,070 | ₹2,21,15,637 |
| 20 | ₹3,09,57,476 | ₹6,67,115 | ₹5,83,177 | ₹0 | ₹3,09,57,476 | ₹83,938 | -₹29,34,132 | ₹2,47,61,769 |
| 21 | ₹3,31,24,499 | ₹7,00,471 | ₹0 | ₹0 | ₹3,31,24,499 | ₹7,00,471 | -₹22,33,662 | ₹2,76,07,592 |
| 22 | ₹3,54,43,214 | ₹7,35,494 | ₹0 | ₹0 | ₹3,54,43,214 | ₹7,35,494 | -₹14,98,168 | ₹3,06,38,614 |
| 23 | ₹3,79,24,239 | ₹7,72,269 | ₹0 | ₹0 | ₹3,79,24,239 | ₹7,72,269 | -₹7,25,899 | ₹3,38,67,098 |
| 24 | ₹4,05,78,936 | ₹8,10,882 | ₹0 | ₹0 | ₹4,05,78,936 | ₹8,10,882 | ₹84,983 | ₹3,73,06,130 |
| 25 | ₹4,34,19,461 | ₹8,51,426 | ₹0 | ₹0 | ₹4,34,19,461 | ₹8,51,426 | ₹9,36,410 | ₹4,09,69,676 |
| 26 | ₹4,64,58,823 | ₹8,93,998 | ₹0 | ₹0 | ₹4,64,58,823 | ₹8,93,998 | ₹18,30,408 | ₹4,48,72,643 |
| 27 | ₹4,97,10,941 | ₹9,38,698 | ₹0 | ₹0 | ₹4,97,10,941 | ₹9,38,698 | ₹27,69,105 | ₹4,90,30,937 |
| 28 | ₹5,31,90,707 | ₹9,85,632 | ₹0 | ₹0 | ₹5,31,90,707 | ₹9,85,632 | ₹37,54,738 | ₹5,34,61,537 |
| 29 | ₹5,69,14,056 | ₹10,34,914 | ₹0 | ₹0 | ₹5,69,14,056 | ₹10,34,914 | ₹47,89,652 | ₹5,81,82,568 |
| 30 | ₹6,08,98,040 | ₹10,86,660 | ₹0 | ₹0 | ₹6,08,98,040 | ₹10,86,660 | ₹58,76,311 | ₹6,32,13,371 |
Ahmedabad property investment FAQs
What is the rental yield in Ahmedabad?
At a rent of ₹22,000/month on a ₹80,00,000 property, the gross rental yield in Ahmedabad is about 3.3% per year (before maintenance, tax, and vacancy). That is the annual rent as a share of the purchase price.
Is a buy-to-let property cash-flow positive in Ahmedabad?
Not initially. At ₹22,000 rent against a ₹48,598 EMI (30% down at 8.5% over 20 years), you top up about ₹26,598 a month; rent growth narrows this gap over time.
What return could a Ahmedabad property give if sold in 10 years?
Selling after 10 years (default 7% property growth, 5% rent growth, 1.0% resale cost), the modelled net gain is ₹61,96,976 on ₹29,52,000 of upfront cash — a return on cash of about 210%. These are assumptions you can change.
How much upfront cash do I need to invest in a ₹80.00 L property in Ahmedabad?
To invest in a ₹80,00,000 property in Ahmedabad you need roughly ₹29,52,000 upfront: a 30% down payment of ₹24,00,000 plus ₹5,52,000 of stamp duty, registration, and brokerage.
When does a Ahmedabad property investment break even?
Under the default assumptions, a Ahmedabad purchase turns net-positive on sale around year 2 — before that, appreciation has not yet covered your transaction and holding costs.