Rent vs Buy Calculator — Indore (2026)
Home-buying economics for Indore, Madhya Pradesh, with Madhya Pradesh’s real stamp duty and registration costs. Buying to rent out? See the Indore investment calculator.
Where to buy in Indore? Best areas, prices & what to expect · ₹3K–₹7K/sq ftSee details
Indore — India's cleanest city and Madhya Pradesh's commercial capital — is one of the country's fastest-appreciating tier-2 markets. Vijay Nagar is the established commercial-residential hub, the Super Corridor anchors new IT-led supply, and the AB Bypass belt (~₹4,600/sq ft) draws mid-market demand. Some peripheral pockets have appreciated over 150% in three years, though MP’s heavy 10.5% combined statutory cost is a real consideration.
Typical on-market price
₹3K–₹7K / sq ft
Notable localities
- Vijay Nagar — Prime commercial-residential hub with the deepest demand.
- Super Corridor — IT-and-infrastructure growth axis with large new projects.
- AB Bypass Road — Popular mid-market belt; ~₹4,600/sq ft.
- Rau — Fast-growing south-western node near the bypass.
- Nipania — Sought-after residential area with strong appreciation.
Indore rent vs buy calculator
Key outputs
Buying this ₹70,00,000 home in Indore means an EMI of ₹42,523 paid from your pocket and ₹29,05,000 upfront. If you sell, selling turns net-positive around year 8. 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 ₹29,05,000 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 | ₹93,10,825 | ₹2,50,62,536 | ₹4,93,01,801 |
| − Total EMI paid | −₹51,02,801 | −₹1,02,05,601 | −₹1,02,05,601 |
| = Final cash | ₹42,08,024 | ₹1,48,56,935 | ₹3,90,96,200 |
| Rent → invest the ₹29,05,000 + pay rent | |||
| Total rent paid | ₹27,16,825 | ₹71,42,246 | ₹1,43,50,791 |
| Stock market @ 10.0% → value | ₹75,34,822 | ₹1,95,43,387 | ₹5,06,90,514 |
| = Final cash (− rent) | ₹48,17,997 | ₹1,24,01,141 | ₹3,63,39,723 |
| Fixed deposit @ 7.0% → value | ₹57,14,575 | ₹1,12,41,433 | ₹2,21,13,601 |
| = Final cash (− rent) | ₹29,97,750 | ₹40,99,187 | ₹77,62,810 |
| P2P lending @ 12.0% → value | ₹90,22,489 | ₹2,80,22,481 | ₹8,70,33,574 |
| = Final cash (− rent) | ₹63,05,664 | ₹2,08,80,235 | ₹7,26,82,783 |
| 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 | ₹70,00,000 | ₹5,10,276 | ₹48,02,479 | ₹5,10,280 | ||
| 2 | ₹74,90,000 | ₹5,10,276 | ₹46,96,338 | ₹10,20,560 | ||
| 3 | ₹80,14,300 | ₹5,10,276 | ₹45,80,814 | ₹15,30,840 | ||
| 4 | ₹85,75,301 | ₹5,10,276 | ₹44,55,080 | ₹20,41,120 | ||
| 5 | ₹91,75,572 | ₹5,10,276 | ₹43,18,232 | ₹25,51,400 | ||
| 6 | ₹98,17,862 | ₹5,10,276 | ₹41,69,288 | ₹30,61,680 | ||
| 7 | ₹1,05,05,112 | ₹5,10,276 | ₹40,07,178 | ₹35,71,960 | ||
| 8 | ₹1,12,40,470 | ₹5,10,276 | ₹38,30,740 | ₹40,82,240 | ||
| 9 | ₹1,20,27,303 | ₹5,10,276 | ₹36,38,706 | ₹45,92,521 | ||
| 10 | ₹1,28,69,214 | ₹5,10,276 | ₹34,29,697 | ₹51,02,801 | ||
| 11 | ₹1,37,70,060 | ₹5,10,276 | ₹32,02,215 | ₹56,13,081 | ||
| 12 | ₹1,47,33,964 | ₹5,10,276 | ₹29,54,625 | ₹61,23,361 | ||
| 13 | ₹1,57,65,341 | ₹5,10,276 | ₹26,85,150 | ₹66,33,641 | ||
| 14 | ₹1,68,68,915 | ₹5,10,276 | ₹23,91,856 | ₹71,43,921 | ||
| 15 | ₹1,80,49,739 | ₹5,10,276 | ₹20,72,638 | ₹76,54,201 | ||
| 16 | ₹1,93,13,221 | ₹5,10,276 | ₹17,25,203 | ₹81,64,481 | ||
| 17 | ₹2,06,65,146 | ₹5,10,276 | ₹13,47,059 | ₹86,74,761 | ||
| 18 | ₹2,21,11,706 | ₹5,10,276 | ₹9,35,490 | ₹91,85,041 | ||
| 19 | ₹2,36,59,526 | ₹5,10,276 | ₹4,87,542 | ₹96,95,321 | ||
| 20 | ₹2,53,15,693 | ₹5,10,276 | ₹0 | ₹1,02,05,601 | ||
| 21 | ₹2,70,87,791 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 22 | ₹2,89,83,937 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 23 | ₹3,10,12,812 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 24 | ₹3,31,83,709 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 25 | ₹3,55,06,569 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 26 | ₹3,79,92,028 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 27 | ₹4,06,51,470 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 28 | ₹4,34,97,073 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 29 | ₹4,65,41,869 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 30 | ₹4,97,99,799 | ₹0 | ₹0 | ₹1,02,05,601 |
Indore home-buying FAQs
What is the stamp duty rate in Indore?
Stamp duty in Indore (Madhya Pradesh) is 7.5% of the property value, the same regardless of the buyer’s gender. On the example price of ₹70,00,000 that works out to ₹5,25,000.
What is the property registration charge in Madhya Pradesh?
Registration charge in Madhya Pradesh is 3.0% of the property value with no upper cap. On the example price of ₹70,00,000 that is ₹2,10,000.
When does buying break even if you sell in Indore?
Buying a ₹70,00,000 home in Indore (30% down at 8.5% over 20 years) turns net-positive on sale around year 8 — that is when the sale proceeds finally cover your upfront cash and the EMIs paid. By year 10 the modelled net gain is about ₹13,03,024.
How much upfront cash do I need to buy a ₹70.00 L home in Indore?
To buy a ₹70,00,000 home in Indore you need roughly ₹29,05,000 upfront: a 30% down payment of ₹21,00,000 plus ₹8,05,000 of transaction costs (stamp duty ₹5,25,000, registration ₹2,10,000, brokerage ₹70,000).
Do women get a stamp duty concession in Madhya Pradesh?
No. Madhya Pradesh offers no reduced stamp duty for women buyers — the 7.5% slab applies regardless of who the property is registered to.
Why is Indore considered a strong property investment?
Indore has combined rapid economic growth, its “cleanest city” reputation, and major infrastructure (the Super Corridor, metro, and expanding highways) to become one of India’s fastest-appreciating tier-2 markets — some peripheral localities have risen over 150% in three years. The main drag is Madhya Pradesh’s high 10.5% combined stamp duty and registration cost.
Which are the best areas to buy property in Indore?
Vijay Nagar is the established prime hub, while the Super Corridor and Nipania attract growth-oriented buyers with newer stock. The AB Bypass belt and Rau offer more affordable entry points with strong recent appreciation.
Indore at a glance
Based on an example ₹70,00,000 home at 30% down, 8.5% over 20 years. Change any input in the calculator to see your own numbers.
| Example property price | ₹70,00,000 |
|---|---|
| Down payment (30%) | ₹21,00,000 |
| Loan amount | ₹49,00,000 |
| Monthly EMI | ₹42,523 |
| Stamp duty (7.5%) | ₹5,25,000 |
| Registration | ₹2,10,000 |
| Brokerage | ₹70,000 |
| All-in transaction cost (11.5%) | ₹8,05,000 |
| Upfront cash needed | ₹29,05,000 |
| Rent if you rented instead | ₹18,000 / mo |
| Net gain if sold (10 yr) | ₹13,03,024 |
| Break-even on sale | Year 8 |