Rent vs Buy Calculator — Delhi (2026)
Home-buying economics for Delhi, Delhi, with Delhi’s real stamp duty and registration costs. Buying to rent out? See the Delhi investment calculator.
Where to buy in Delhi? Best areas, prices & what to expect · ₹12K–₹30K/sq ftSee details
Delhi has one of India's widest price spreads: outer, well-planned colonies like Rohini and Dwarka sit around ₹14,000–16,000/sq ft for flats, while South Delhi enclaves such as Saket and Vasant Kunj run far higher. Because stamp duty and loan eligibility are pegged to government circle rates, those benchmarks matter as much as the asking price. Builder-floor apartments dominate the resale market, and demand is overwhelmingly end-user rather than investor-led.
Typical on-market price
₹12K–₹30K / sq ft
Notable localities
- Dwarka — Large planned sub-city in the south-west; ~₹15,600/sq ft.
- Rohini — Well-planned north-west colony; flats near ₹14,100/sq ft.
- Saket — Premium South Delhi neighbourhood; ~₹16,350/sq ft and higher.
- Vasant Kunj — Upmarket south-side area with the city’s top circle rates.
- Janakpuri — Established west Delhi residential belt with steady demand.
Delhi rent vs buy calculator
Key outputs
Buying this ₹2,00,00,000 home in Delhi means an EMI of ₹1,21,495 paid from your pocket and ₹76,00,000 upfront. If you sell, selling turns net-positive around year 7. See the verdict below to compare with renting and investing that cash instead.
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30-year projection
Rent vs Buy — what leaves you richer?
If you don’t buy, you keep your ₹76,00,000 of upfront cash to invest and pay rent instead. Here’s the cash each path leaves you with — buying means selling the home minus the EMIs you paid; renting means your invested cash minus the rent you paid.
| After 10 yrs | After 20 yrs | After 30 yrs | |
|---|---|---|---|
| Buy → sell the home | |||
| Net sale proceeds | ₹2,66,02,357 | ₹7,16,07,245 | ₹14,08,62,290 |
| − Total EMI paid | −₹1,45,79,430 | −₹2,91,58,861 | −₹2,91,58,861 |
| = Final cash | ₹1,20,22,927 | ₹4,24,48,385 | ₹11,17,03,429 |
| Rent → invest the ₹76,00,000 + pay rent | |||
| Total rent paid | ₹83,01,409 | ₹2,18,23,530 | ₹4,38,49,639 |
| Stock market @ 10.0% → value | ₹1,97,12,443 | ₹5,11,29,000 | ₹13,26,15,457 |
| = Final cash (− rent) | ₹1,14,11,034 | ₹2,93,05,470 | ₹8,87,65,818 |
| Fixed deposit @ 7.0% → value | ₹1,49,50,350 | ₹2,94,09,602 | ₹5,78,53,138 |
| = Final cash (− rent) | ₹66,48,941 | ₹75,86,072 | ₹1,40,03,499 |
| P2P lending @ 12.0% → value | ₹2,36,04,446 | ₹7,33,11,828 | ₹22,76,95,408 |
| = Final cash (− rent) | ₹1,53,03,037 | ₹5,14,88,298 | ₹18,38,45,769 |
| Verdict | Renting + P2P wins | Renting + P2P wins | Renting + P2P wins |
Buy “final cash” is the sale proceeds minus every EMI you paid; rent “final cash” is the invested cash minus every rent payment — so both count their housing cost. The property’s net gain (final cash − upfront) matches “Net gain if sold” in the projection below.
Illustrative only, not financial advice. Investment rows assume the upfront cash is a one-time lump sum compounding at the rate you enter. Returns are assumptions and are not guaranteed.
Full year-by-year projection
| Year | Property value | Annual EMI | Outstanding loan | Home equity | Cumulative EMI paid | Net gain if sold |
|---|---|---|---|---|---|---|
| 1 | ₹2,00,00,000 | ₹14,57,940 | ₹1,37,21,368 | ₹14,57,943 | ||
| 2 | ₹2,14,00,000 | ₹14,57,940 | ₹1,34,18,107 | ₹29,15,886 | ||
| 3 | ₹2,28,98,000 | ₹14,57,940 | ₹1,30,88,041 | ₹43,73,829 | ||
| 4 | ₹2,45,00,860 | ₹14,57,940 | ₹1,27,28,800 | ₹58,31,772 | ||
| 5 | ₹2,62,15,920 | ₹14,57,940 | ₹1,23,37,806 | ₹72,89,715 | ||
| 6 | ₹2,80,51,035 | ₹14,57,940 | ₹1,19,12,251 | ₹87,47,658 | ||
| 7 | ₹3,00,14,607 | ₹14,57,940 | ₹1,14,49,081 | ₹1,02,05,601 | ||
| 8 | ₹3,21,15,630 | ₹14,57,940 | ₹1,09,44,970 | ₹1,16,63,544 | ||
| 9 | ₹3,43,63,724 | ₹14,57,940 | ₹1,03,96,301 | ₹1,31,21,487 | ||
| 10 | ₹3,67,69,184 | ₹14,57,940 | ₹97,99,135 | ₹1,45,79,430 | ||
| 11 | ₹3,93,43,027 | ₹14,57,940 | ₹91,49,185 | ₹1,60,37,373 | ||
| 12 | ₹4,20,97,039 | ₹14,57,940 | ₹84,41,785 | ₹1,74,95,316 | ||
| 13 | ₹4,50,43,832 | ₹14,57,940 | ₹76,71,857 | ₹1,89,53,259 | ||
| 14 | ₹4,81,96,900 | ₹14,57,940 | ₹68,33,875 | ₹2,04,11,202 | ||
| 15 | ₹5,15,70,683 | ₹14,57,940 | ₹59,21,822 | ₹2,18,69,145 | ||
| 16 | ₹5,51,80,631 | ₹14,57,940 | ₹49,29,153 | ₹2,33,27,089 | ||
| 17 | ₹5,90,43,275 | ₹14,57,940 | ₹38,48,740 | ₹2,47,85,032 | ||
| 18 | ₹6,31,76,304 | ₹14,57,940 | ₹26,72,829 | ₹2,62,42,975 | ||
| 19 | ₹6,75,98,646 | ₹14,57,940 | ₹13,92,978 | ₹2,77,00,918 | ||
| 20 | ₹7,23,30,551 | ₹14,57,940 | ₹0 | ₹2,91,58,861 | ||
| 21 | ₹7,73,93,689 | ₹0 | ₹0 | ₹2,91,58,861 | ||
| 22 | ₹8,28,11,247 | ₹0 | ₹0 | ₹2,91,58,861 | ||
| 23 | ₹8,86,08,035 | ₹0 | ₹0 | ₹2,91,58,861 | ||
| 24 | ₹9,48,10,597 | ₹0 | ₹0 | ₹2,91,58,861 | ||
| 25 | ₹10,14,47,339 | ₹0 | ₹0 | ₹2,91,58,861 | ||
| 26 | ₹10,85,48,653 | ₹0 | ₹0 | ₹2,91,58,861 | ||
| 27 | ₹11,61,47,058 | ₹0 | ₹0 | ₹2,91,58,861 | ||
| 28 | ₹12,42,77,353 | ₹0 | ₹0 | ₹2,91,58,861 | ||
| 29 | ₹13,29,76,767 | ₹0 | ₹0 | ₹2,91,58,861 | ||
| 30 | ₹14,22,85,141 | ₹0 | ₹0 | ₹2,91,58,861 |
Delhi home-buying FAQs
What is the stamp duty rate in Delhi?
Stamp duty in Delhi (Delhi) is 6.0% of the property value, reduced to 4.0% when the property is registered in a woman’s name. On the example price of ₹2,00,00,000 that is ₹12,00,000 at the standard rate.
What is the property registration charge in Delhi?
Registration charge in Delhi is 1.0% of the property value with no upper cap. On the example price of ₹2,00,00,000 that is ₹2,00,000.
When does buying break even if you sell in Delhi?
Buying a ₹2,00,00,000 home in Delhi (30% down at 8.5% over 20 years) turns net-positive on sale around year 7 — that is when the sale proceeds finally cover your upfront cash and the EMIs paid. By year 10 the modelled net gain is about ₹44,22,927.
How much upfront cash do I need to buy a ₹2.00 Cr home in Delhi?
To buy a ₹2,00,00,000 home in Delhi you need roughly ₹76,00,000 upfront: a 30% down payment of ₹60,00,000 plus ₹16,00,000 of transaction costs (stamp duty ₹12,00,000, registration ₹2,00,000, brokerage ₹2,00,000).
Do women get a stamp duty concession in Delhi?
Yes. Delhi charges women buyers a reduced stamp duty of 4.0% versus 6.0%, saving about ₹4,00,000 on the example price of ₹2,00,00,000.
Do women buyers pay less stamp duty in Delhi?
Yes. Delhi charges 4% stamp duty when property is registered in a woman’s sole name, versus 6% for men and 5% for joint male-female ownership, plus a 1% registration fee. On a ₹2 crore home the sole-female rate saves ₹4 lakh over the male rate.
Why do Delhi property charges depend on the circle rate?
Stamp duty and registration in Delhi are calculated on the higher of the actual transaction price or the government’s circle rate for that locality. In premium colonies where market prices exceed circle rates the transaction value applies, but in some areas the circle rate sets a floor that can push up your statutory cost.
Delhi at a glance
Based on an example ₹2,00,00,000 home at 30% down, 8.5% over 20 years. Change any input in the calculator to see your own numbers.
| Example property price | ₹2,00,00,000 |
|---|---|
| Down payment (30%) | ₹60,00,000 |
| Loan amount | ₹1,40,00,000 |
| Monthly EMI | ₹1,21,495 |
| Stamp duty (6.0%) | ₹12,00,000 |
| Registration | ₹2,00,000 |
| Brokerage | ₹2,00,000 |
| All-in transaction cost (8.0%) | ₹16,00,000 |
| Upfront cash needed | ₹76,00,000 |
| Rent if you rented instead | ₹55,000 / mo |
| Net gain if sold (10 yr) | ₹44,22,927 |
| Break-even on sale | Year 7 |