Property Investment Calculator — Kochi (2026)
Rental yield, cash flow, and return on cash for a buy-to-let in Kochi, Kerala. Planning to live in it instead? Use the Kochi rent vs buy calculator.
Thinking about buying property to rent out in Kochi? This calculator models a Kochi 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 11.0% of upfront transaction costs (Kerala 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 ₹90,00,000 property (assuming 30% down at 8.5% over 20 years, all editable), the EMI is ₹54,673 and you need ₹36,90,000 of upfront cash. A typical rent of ₹24,000/month is a gross rental yield of 3.2% and a monthly shortfall of ₹30,673 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 ₹64,89,397 — a return on cash of about 176% on your ₹36,90,000 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.
Kochi property investment calculator
Key outputs
On a ₹90,00,000 property in Kochi, the gross rental yield is 3.2% and monthly cash flow is -₹30,673 (you top this up each month). You need ₹36,90,000 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 | ₹96,30,000 | ₹2,88,000 | ₹6,56,074 | ₹61,74,616 | ₹34,55,384 | -₹3,68,074 | -₹3,68,074 | -₹6,98,990 |
| 2 | ₹1,03,04,100 | ₹3,02,400 | ₹6,56,074 | ₹60,38,148 | ₹42,65,952 | -₹3,53,674 | -₹7,21,749 | -₹2,48,838 |
| 3 | ₹1,10,25,387 | ₹3,17,520 | ₹6,56,074 | ₹58,89,619 | ₹51,35,768 | -₹3,38,554 | -₹10,60,303 | ₹2,75,212 |
| 4 | ₹1,17,97,164 | ₹3,33,396 | ₹6,56,074 | ₹57,27,960 | ₹60,69,204 | -₹3,22,678 | -₹13,82,981 | ₹8,78,251 |
| 5 | ₹1,26,22,966 | ₹3,50,066 | ₹6,56,074 | ₹55,52,013 | ₹70,70,953 | -₹3,06,009 | -₹16,88,990 | ₹15,65,733 |
| 6 | ₹1,35,06,573 | ₹3,67,569 | ₹6,56,074 | ₹53,60,513 | ₹81,46,060 | -₹2,88,505 | -₹19,77,495 | ₹23,43,499 |
| 7 | ₹1,44,52,033 | ₹3,85,948 | ₹6,56,074 | ₹51,52,086 | ₹92,99,947 | -₹2,70,127 | -₹22,47,622 | ₹32,17,805 |
| 8 | ₹1,54,63,676 | ₹4,05,245 | ₹6,56,074 | ₹49,25,237 | ₹1,05,38,439 | -₹2,50,829 | -₹24,98,452 | ₹41,95,351 |
| 9 | ₹1,65,46,133 | ₹4,25,507 | ₹6,56,074 | ₹46,78,336 | ₹1,18,67,797 | -₹2,30,567 | -₹27,29,019 | ₹52,83,317 |
| 10 | ₹1,77,04,362 | ₹4,46,783 | ₹6,56,074 | ₹44,09,611 | ₹1,32,94,751 | -₹2,09,292 | -₹29,38,311 | ₹64,89,397 |
| 11 | ₹1,89,43,668 | ₹4,69,122 | ₹6,56,074 | ₹41,17,133 | ₹1,48,26,534 | -₹1,86,953 | -₹31,25,263 | ₹78,21,834 |
| 12 | ₹2,02,69,724 | ₹4,92,578 | ₹6,56,074 | ₹37,98,803 | ₹1,64,70,921 | -₹1,63,497 | -₹32,88,760 | ₹92,89,464 |
| 13 | ₹2,16,88,605 | ₹5,17,207 | ₹6,56,074 | ₹34,52,336 | ₹1,82,36,269 | -₹1,38,868 | -₹34,27,628 | ₹1,09,01,756 |
| 14 | ₹2,32,06,807 | ₹5,43,067 | ₹6,56,074 | ₹30,75,244 | ₹2,01,31,564 | -₹1,13,007 | -₹35,40,635 | ₹1,26,68,861 |
| 15 | ₹2,48,31,284 | ₹5,70,220 | ₹6,56,074 | ₹26,64,820 | ₹2,21,66,464 | -₹85,854 | -₹36,26,489 | ₹1,46,01,662 |
| 16 | ₹2,65,69,474 | ₹5,98,731 | ₹6,56,074 | ₹22,18,119 | ₹2,43,51,355 | -₹57,343 | -₹36,83,832 | ₹1,67,11,828 |
| 17 | ₹2,84,29,337 | ₹6,28,668 | ₹6,56,074 | ₹17,31,933 | ₹2,66,97,404 | -₹27,406 | -₹37,11,239 | ₹1,90,11,872 |
| 18 | ₹3,04,19,390 | ₹6,60,101 | ₹6,56,074 | ₹12,02,773 | ₹2,92,16,617 | ₹4,027 | -₹37,07,212 | ₹2,15,15,212 |
| 19 | ₹3,25,48,748 | ₹6,93,106 | ₹6,56,074 | ₹6,26,840 | ₹3,19,21,908 | ₹37,032 | -₹36,70,180 | ₹2,42,36,240 |
| 20 | ₹3,48,27,160 | ₹7,27,762 | ₹6,56,074 | ₹0 | ₹3,48,27,160 | ₹71,687 | -₹35,98,493 | ₹2,71,90,396 |
| 21 | ₹3,72,65,061 | ₹7,64,150 | ₹0 | ₹0 | ₹3,72,65,061 | ₹7,64,150 | -₹28,34,343 | ₹3,03,68,068 |
| 22 | ₹3,98,73,616 | ₹8,02,357 | ₹0 | ₹0 | ₹3,98,73,616 | ₹8,02,357 | -₹20,31,986 | ₹3,37,52,894 |
| 23 | ₹4,26,64,769 | ₹8,42,475 | ₹0 | ₹0 | ₹4,26,64,769 | ₹8,42,475 | -₹11,89,510 | ₹3,73,58,611 |
| 24 | ₹4,56,51,303 | ₹8,84,599 | ₹0 | ₹0 | ₹4,56,51,303 | ₹8,84,599 | -₹3,04,912 | ₹4,11,99,878 |
| 25 | ₹4,88,46,894 | ₹9,28,829 | ₹0 | ₹0 | ₹4,88,46,894 | ₹9,28,829 | ₹6,23,917 | ₹4,52,92,342 |
| 26 | ₹5,22,66,176 | ₹9,75,270 | ₹0 | ₹0 | ₹5,22,66,176 | ₹9,75,270 | ₹15,99,187 | ₹4,96,52,702 |
| 27 | ₹5,59,24,809 | ₹10,24,034 | ₹0 | ₹0 | ₹5,59,24,809 | ₹10,24,034 | ₹26,23,221 | ₹5,42,98,782 |
| 28 | ₹5,98,39,545 | ₹10,75,235 | ₹0 | ₹0 | ₹5,98,39,545 | ₹10,75,235 | ₹36,98,457 | ₹5,92,49,606 |
| 29 | ₹6,40,28,313 | ₹11,28,997 | ₹0 | ₹0 | ₹6,40,28,313 | ₹11,28,997 | ₹48,27,454 | ₹6,45,25,484 |
| 30 | ₹6,85,10,295 | ₹11,85,447 | ₹0 | ₹0 | ₹6,85,10,295 | ₹11,85,447 | ₹60,12,901 | ₹7,01,48,093 |
Kochi property investment FAQs
What is the rental yield in Kochi?
At a rent of ₹24,000/month on a ₹90,00,000 property, the gross rental yield in Kochi 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 Kochi?
Not initially. At ₹24,000 rent against a ₹54,673 EMI (30% down at 8.5% over 20 years), you top up about ₹30,673 a month; rent growth narrows this gap over time.
What return could a Kochi 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 ₹64,89,397 on ₹36,90,000 of upfront cash — a return on cash of about 176%. These are assumptions you can change.
How much upfront cash do I need to invest in a ₹90.00 L property in Kochi?
To invest in a ₹90,00,000 property in Kochi you need roughly ₹36,90,000 upfront: a 30% down payment of ₹27,00,000 plus ₹9,90,000 of stamp duty, registration, and brokerage.
When does a Kochi property investment break even?
Under the default assumptions, a Kochi purchase turns net-positive on sale around year 3 — before that, appreciation has not yet covered your transaction and holding costs.