Property Investment Calculator — Kolkata (2026)
Rental yield, cash flow, and return on cash for a buy-to-let in Kolkata, West Bengal. Planning to live in it instead? Use the Kolkata rent vs buy calculator.
Thinking about buying property to rent out in Kolkata? This calculator models a Kolkata 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 8.0% of upfront transaction costs (West Bengal 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 ₹34,20,000 of upfront cash. A typical rent of ₹25,000/month is a gross rental yield of 3.3% and a monthly shortfall of ₹29,673 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 ₹69,10,332 — a return on cash of about 202% on your ₹34,20,000 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.
Kolkata property investment calculator
Key outputs
On a ₹90,00,000 property in Kolkata, the gross rental yield is 3.3% and monthly cash flow is -₹29,673 (you top this up each month). You need ₹34,20,000 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 | ₹96,30,000 | ₹3,00,000 | ₹6,56,074 | ₹61,74,616 | ₹34,55,384 | -₹3,56,074 | -₹3,56,074 | -₹4,16,990 |
| 2 | ₹1,03,04,100 | ₹3,15,000 | ₹6,56,074 | ₹60,38,148 | ₹42,65,952 | -₹3,41,074 | -₹6,97,149 | ₹45,762 |
| 3 | ₹1,10,25,387 | ₹3,30,750 | ₹6,56,074 | ₹58,89,619 | ₹51,35,768 | -₹3,25,324 | -₹10,22,473 | ₹5,83,042 |
| 4 | ₹1,17,97,164 | ₹3,47,288 | ₹6,56,074 | ₹57,27,960 | ₹60,69,204 | -₹3,08,787 | -₹13,31,260 | ₹11,99,972 |
| 5 | ₹1,26,22,966 | ₹3,64,652 | ₹6,56,074 | ₹55,52,013 | ₹70,70,953 | -₹2,91,422 | -₹16,22,682 | ₹19,02,041 |
| 6 | ₹1,35,06,573 | ₹3,82,884 | ₹6,56,074 | ₹53,60,513 | ₹81,46,060 | -₹2,73,190 | -₹18,95,872 | ₹26,95,122 |
| 7 | ₹1,44,52,033 | ₹4,02,029 | ₹6,56,074 | ₹51,52,086 | ₹92,99,947 | -₹2,54,046 | -₹21,49,918 | ₹35,85,509 |
| 8 | ₹1,54,63,676 | ₹4,22,130 | ₹6,56,074 | ₹49,25,237 | ₹1,05,38,439 | -₹2,33,944 | -₹23,83,862 | ₹45,79,940 |
| 9 | ₹1,65,46,133 | ₹4,43,237 | ₹6,56,074 | ₹46,78,336 | ₹1,18,67,797 | -₹2,12,838 | -₹25,96,700 | ₹56,85,636 |
| 10 | ₹1,77,04,362 | ₹4,65,398 | ₹6,56,074 | ₹44,09,611 | ₹1,32,94,751 | -₹1,90,676 | -₹27,87,376 | ₹69,10,332 |
| 11 | ₹1,89,43,668 | ₹4,88,668 | ₹6,56,074 | ₹41,17,133 | ₹1,48,26,534 | -₹1,67,406 | -₹29,54,782 | ₹82,62,316 |
| 12 | ₹2,02,69,724 | ₹5,13,102 | ₹6,56,074 | ₹37,98,803 | ₹1,64,70,921 | -₹1,42,973 | -₹30,97,754 | ₹97,50,469 |
| 13 | ₹2,16,88,605 | ₹5,38,757 | ₹6,56,074 | ₹34,52,336 | ₹1,82,36,269 | -₹1,17,317 | -₹32,15,072 | ₹1,13,84,311 |
| 14 | ₹2,32,06,807 | ₹5,65,695 | ₹6,56,074 | ₹30,75,244 | ₹2,01,31,564 | -₹90,380 | -₹33,05,452 | ₹1,31,74,044 |
| 15 | ₹2,48,31,284 | ₹5,93,979 | ₹6,56,074 | ₹26,64,820 | ₹2,21,66,464 | -₹62,095 | -₹33,67,546 | ₹1,51,30,605 |
| 16 | ₹2,65,69,474 | ₹6,23,678 | ₹6,56,074 | ₹22,18,119 | ₹2,43,51,355 | -₹32,396 | -₹33,99,942 | ₹1,72,65,718 |
| 17 | ₹2,84,29,337 | ₹6,54,862 | ₹6,56,074 | ₹17,31,933 | ₹2,66,97,404 | -₹1,212 | -₹34,01,154 | ₹1,95,91,956 |
| 18 | ₹3,04,19,390 | ₹6,87,605 | ₹6,56,074 | ₹12,02,773 | ₹2,92,16,617 | ₹31,531 | -₹33,69,623 | ₹2,21,22,800 |
| 19 | ₹3,25,48,748 | ₹7,21,986 | ₹6,56,074 | ₹6,26,840 | ₹3,19,21,908 | ₹65,911 | -₹33,03,712 | ₹2,48,72,708 |
| 20 | ₹3,48,27,160 | ₹7,58,085 | ₹6,56,074 | ₹0 | ₹3,48,27,160 | ₹1,02,011 | -₹32,01,701 | ₹2,78,57,188 |
| 21 | ₹3,72,65,061 | ₹7,95,989 | ₹0 | ₹0 | ₹3,72,65,061 | ₹7,95,989 | -₹24,05,712 | ₹3,10,66,699 |
| 22 | ₹3,98,73,616 | ₹8,35,789 | ₹0 | ₹0 | ₹3,98,73,616 | ₹8,35,789 | -₹15,69,923 | ₹3,44,84,957 |
| 23 | ₹4,26,64,769 | ₹8,77,578 | ₹0 | ₹0 | ₹4,26,64,769 | ₹8,77,578 | -₹6,92,345 | ₹3,81,25,776 |
| 24 | ₹4,56,51,303 | ₹9,21,457 | ₹0 | ₹0 | ₹4,56,51,303 | ₹9,21,457 | ₹2,29,112 | ₹4,20,03,902 |
| 25 | ₹4,88,46,894 | ₹9,67,530 | ₹0 | ₹0 | ₹4,88,46,894 | ₹9,67,530 | ₹11,96,642 | ₹4,61,35,067 |
| 26 | ₹5,22,66,176 | ₹10,15,906 | ₹0 | ₹0 | ₹5,22,66,176 | ₹10,15,906 | ₹22,12,549 | ₹5,05,36,063 |
| 27 | ₹5,59,24,809 | ₹10,66,702 | ₹0 | ₹0 | ₹5,59,24,809 | ₹10,66,702 | ₹32,79,251 | ₹5,52,24,811 |
| 28 | ₹5,98,39,545 | ₹11,20,037 | ₹0 | ₹0 | ₹5,98,39,545 | ₹11,20,037 | ₹43,99,288 | ₹6,02,20,437 |
| 29 | ₹6,40,28,313 | ₹11,76,039 | ₹0 | ₹0 | ₹6,40,28,313 | ₹11,76,039 | ₹55,75,326 | ₹6,55,43,357 |
| 30 | ₹6,85,10,295 | ₹12,34,841 | ₹0 | ₹0 | ₹6,85,10,295 | ₹12,34,841 | ₹68,10,167 | ₹7,12,15,359 |
Kolkata property investment FAQs
What is the rental yield in Kolkata?
At a rent of ₹25,000/month on a ₹90,00,000 property, the gross rental yield in Kolkata 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 Kolkata?
Not initially. At ₹25,000 rent against a ₹54,673 EMI (30% down at 8.5% over 20 years), you top up about ₹29,673 a month; rent growth narrows this gap over time.
What return could a Kolkata 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 ₹69,10,332 on ₹34,20,000 of upfront cash — a return on cash of about 202%. These are assumptions you can change.
How much upfront cash do I need to invest in a ₹90.00 L property in Kolkata?
To invest in a ₹90,00,000 property in Kolkata you need roughly ₹34,20,000 upfront: a 30% down payment of ₹27,00,000 plus ₹7,20,000 of stamp duty, registration, and brokerage.
When does a Kolkata property investment break even?
Under the default assumptions, a Kolkata purchase turns net-positive on sale around year 2 — before that, appreciation has not yet covered your transaction and holding costs.