Property Investment Calculator — Chennai (2026)
Rental yield, cash flow, and return on cash for a buy-to-let in Chennai, Tamil Nadu. Planning to live in it instead? Use the Chennai rent vs buy calculator.
Thinking about buying property to rent out in Chennai? This calculator models a Chennai 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 12.0% of upfront transaction costs (Tamil Nadu 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 ₹1,20,00,000 property (assuming 30% down at 8.5% over 20 years, all editable), the EMI is ₹72,897 and you need ₹50,40,000 of upfront cash. A typical rent of ₹32,000/month is a gross rental yield of 3.2% and a monthly shortfall of ₹40,897 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 ₹85,32,530 — a return on cash of about 169% on your ₹50,40,000 outlay. The investment breaks even on sale around year 3. Rental yields and price growth vary a lot by locality and are not guaranteed — use the calculator to test conservative cases before you commit.
Chennai property investment calculator
Key outputs
On a ₹1,20,00,000 property in Chennai, the gross rental yield is 3.2% and monthly cash flow is -₹40,897 (you top this up each month). You need ₹50,40,000 upfront, and it turns net-positive on sale around year 3.
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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 | ₹1,28,40,000 | ₹3,84,000 | ₹8,74,766 | ₹82,32,821 | ₹46,07,179 | -₹4,90,766 | -₹4,90,766 | -₹10,51,987 |
| 2 | ₹1,37,38,800 | ₹4,03,200 | ₹8,74,766 | ₹80,50,864 | ₹56,87,936 | -₹4,71,566 | -₹9,62,332 | -₹4,51,784 |
| 3 | ₹1,47,00,516 | ₹4,23,360 | ₹8,74,766 | ₹78,52,825 | ₹68,47,691 | -₹4,51,406 | -₹14,13,737 | ₹2,46,949 |
| 4 | ₹1,57,29,552 | ₹4,44,528 | ₹8,74,766 | ₹76,37,280 | ₹80,92,272 | -₹4,30,238 | -₹18,43,975 | ₹10,51,001 |
| 5 | ₹1,68,30,621 | ₹4,66,754 | ₹8,74,766 | ₹74,02,683 | ₹94,27,937 | -₹4,08,011 | -₹22,51,987 | ₹19,67,644 |
| 6 | ₹1,80,08,764 | ₹4,90,092 | ₹8,74,766 | ₹71,47,350 | ₹1,08,61,414 | -₹3,84,674 | -₹26,36,660 | ₹30,04,666 |
| 7 | ₹1,92,69,378 | ₹5,14,597 | ₹8,74,766 | ₹68,69,448 | ₹1,23,99,929 | -₹3,60,169 | -₹29,96,829 | ₹41,70,406 |
| 8 | ₹2,06,18,234 | ₹5,40,327 | ₹8,74,766 | ₹65,66,982 | ₹1,40,51,252 | -₹3,34,439 | -₹33,31,269 | ₹54,73,801 |
| 9 | ₹2,20,61,511 | ₹5,67,343 | ₹8,74,766 | ₹62,37,781 | ₹1,58,23,730 | -₹3,07,423 | -₹36,38,692 | ₹69,24,423 |
| 10 | ₹2,36,05,816 | ₹5,95,710 | ₹8,74,766 | ₹58,79,481 | ₹1,77,26,335 | -₹2,79,056 | -₹39,17,747 | ₹85,32,530 |
| 11 | ₹2,52,58,223 | ₹6,25,496 | ₹8,74,766 | ₹54,89,511 | ₹1,97,68,713 | -₹2,49,270 | -₹41,67,018 | ₹1,03,09,113 |
| 12 | ₹2,70,26,299 | ₹6,56,770 | ₹8,74,766 | ₹50,65,071 | ₹2,19,61,228 | -₹2,17,996 | -₹43,85,013 | ₹1,22,65,952 |
| 13 | ₹2,89,18,140 | ₹6,89,609 | ₹8,74,766 | ₹46,03,114 | ₹2,43,15,026 | -₹1,85,157 | -₹45,70,170 | ₹1,44,15,674 |
| 14 | ₹3,09,42,410 | ₹7,24,089 | ₹8,74,766 | ₹41,00,325 | ₹2,68,42,085 | -₹1,50,677 | -₹47,20,847 | ₹1,67,71,814 |
| 15 | ₹3,31,08,378 | ₹7,60,294 | ₹8,74,766 | ₹35,53,093 | ₹2,95,55,285 | -₹1,14,472 | -₹48,35,319 | ₹1,93,48,882 |
| 16 | ₹3,54,25,965 | ₹7,98,308 | ₹8,74,766 | ₹29,57,492 | ₹3,24,68,473 | -₹76,457 | -₹49,11,776 | ₹2,21,62,437 |
| 17 | ₹3,79,05,783 | ₹8,38,224 | ₹8,74,766 | ₹23,09,244 | ₹3,55,96,538 | -₹36,542 | -₹49,48,318 | ₹2,52,29,162 |
| 18 | ₹4,05,59,187 | ₹8,80,135 | ₹8,74,766 | ₹16,03,697 | ₹3,89,55,490 | ₹5,369 | -₹49,42,949 | ₹2,85,66,949 |
| 19 | ₹4,33,98,330 | ₹9,24,142 | ₹8,74,766 | ₹8,35,787 | ₹4,25,62,544 | ₹49,376 | -₹48,93,573 | ₹3,21,94,987 |
| 20 | ₹4,64,36,214 | ₹9,70,349 | ₹8,74,766 | ₹0 | ₹4,64,36,214 | ₹95,583 | -₹47,97,990 | ₹3,61,33,861 |
| 21 | ₹4,96,86,748 | ₹10,18,866 | ₹0 | ₹0 | ₹4,96,86,748 | ₹10,18,866 | -₹37,79,124 | ₹4,03,70,757 |
| 22 | ₹5,31,64,821 | ₹10,69,810 | ₹0 | ₹0 | ₹5,31,64,821 | ₹10,69,810 | -₹27,09,314 | ₹4,48,83,859 |
| 23 | ₹5,68,86,358 | ₹11,23,300 | ₹0 | ₹0 | ₹5,68,86,358 | ₹11,23,300 | -₹15,86,014 | ₹4,96,91,481 |
| 24 | ₹6,08,68,403 | ₹11,79,465 | ₹0 | ₹0 | ₹6,08,68,403 | ₹11,79,465 | -₹4,06,549 | ₹5,48,13,171 |
| 25 | ₹6,51,29,192 | ₹12,38,438 | ₹0 | ₹0 | ₹6,51,29,192 | ₹12,38,438 | ₹8,31,890 | ₹6,02,69,789 |
| 26 | ₹6,96,88,235 | ₹13,00,360 | ₹0 | ₹0 | ₹6,96,88,235 | ₹13,00,360 | ₹21,32,250 | ₹6,60,83,603 |
| 27 | ₹7,45,66,412 | ₹13,65,378 | ₹0 | ₹0 | ₹7,45,66,412 | ₹13,65,378 | ₹34,97,628 | ₹7,22,78,376 |
| 28 | ₹7,97,86,060 | ₹14,33,647 | ₹0 | ₹0 | ₹7,97,86,060 | ₹14,33,647 | ₹49,31,275 | ₹7,88,79,475 |
| 29 | ₹8,53,71,085 | ₹15,05,330 | ₹0 | ₹0 | ₹8,53,71,085 | ₹15,05,330 | ₹64,36,605 | ₹8,59,13,979 |
| 30 | ₹9,13,47,061 | ₹15,80,596 | ₹0 | ₹0 | ₹9,13,47,061 | ₹15,80,596 | ₹80,17,201 | ₹9,34,10,791 |
Chennai property investment FAQs
What is the rental yield in Chennai?
At a rent of ₹32,000/month on a ₹1,20,00,000 property, the gross rental yield in Chennai is about 3.2% 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 Chennai?
Not initially. At ₹32,000 rent against a ₹72,897 EMI (30% down at 8.5% over 20 years), you top up about ₹40,897 a month; rent growth narrows this gap over time.
What return could a Chennai 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 ₹85,32,530 on ₹50,40,000 of upfront cash — a return on cash of about 169%. These are assumptions you can change.
How much upfront cash do I need to invest in a ₹1.20 Cr property in Chennai?
To invest in a ₹1,20,00,000 property in Chennai you need roughly ₹50,40,000 upfront: a 30% down payment of ₹36,00,000 plus ₹14,40,000 of stamp duty, registration, and brokerage.
When does a Chennai property investment break even?
Under the default assumptions, a Chennai purchase turns net-positive on sale around year 3 — before that, appreciation has not yet covered your transaction and holding costs.