Rent vs Buy Calculator — Kolkata (2026)
Home-buying economics for Kolkata, West Bengal, with West Bengal’s real stamp duty and registration costs. Buying to rent out? See the Kolkata investment calculator.
Where to buy in Kolkata? Best areas, prices & what to expect · ₹5K–₹9K/sq ftSee details
Kolkata is among the most affordable major metros, with the New Town–Rajarhat IT belt averaging roughly ₹5,000–8,500/sq ft and established Salt Lake starting around ₹5,500. Growth is concentrated in the eastern IT corridor and along the EM Bypass, while premium south Kolkata enclaves like Ballygunge command the highest rates. Demand is steady and end-user-led, and the COVID-era stamp-duty rebate was permanently withdrawn from July 2024.
Typical on-market price
₹5K–₹9K / sq ft
Notable localities
- New Town / Rajarhat — Planned eastern IT hub; ~₹5,000–8,500/sq ft.
- Salt Lake (Bidhannagar) — Established, well-planned township; premium stock from ~₹5,500/sq ft.
- EM Bypass — Arterial corridor lined with newer high-rise projects.
- Ballygunge — Prime south Kolkata; the city’s highest per-sq-ft rates.
- Behala — Large, affordable south-western residential belt.
Kolkata rent vs buy calculator
Key outputs
Buying this ₹90,00,000 home in Kolkata means an EMI of ₹54,673 paid from your pocket and ₹34,20,000 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 ₹34,20,000 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 | ₹1,19,71,061 | ₹3,22,23,260 | ₹6,33,88,030 |
| − Total EMI paid | −₹65,60,744 | −₹1,31,21,487 | −₹1,31,21,487 |
| = Final cash | ₹54,10,317 | ₹1,91,01,773 | ₹5,02,66,543 |
| Rent → invest the ₹34,20,000 + pay rent | |||
| Total rent paid | ₹37,73,368 | ₹99,19,786 | ₹1,99,31,654 |
| Stock market @ 10.0% → value | ₹88,70,599 | ₹2,30,08,050 | ₹5,96,76,956 |
| = Final cash (− rent) | ₹50,97,231 | ₹1,30,88,264 | ₹3,97,45,302 |
| Fixed deposit @ 7.0% → value | ₹67,27,658 | ₹1,32,34,321 | ₹2,60,33,912 |
| = Final cash (− rent) | ₹29,54,290 | ₹33,14,535 | ₹61,02,258 |
| P2P lending @ 12.0% → value | ₹1,06,22,001 | ₹3,29,90,322 | ₹10,24,62,934 |
| = Final cash (− rent) | ₹68,48,633 | ₹2,30,70,536 | ₹8,25,31,279 |
| 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 | ₹90,00,000 | ₹6,56,076 | ₹61,74,616 | ₹6,56,074 | ||
| 2 | ₹96,30,000 | ₹6,56,076 | ₹60,38,148 | ₹13,12,149 | ||
| 3 | ₹1,03,04,100 | ₹6,56,076 | ₹58,89,619 | ₹19,68,223 | ||
| 4 | ₹1,10,25,387 | ₹6,56,076 | ₹57,27,960 | ₹26,24,297 | ||
| 5 | ₹1,17,97,164 | ₹6,56,076 | ₹55,52,013 | ₹32,80,372 | ||
| 6 | ₹1,26,22,966 | ₹6,56,076 | ₹53,60,513 | ₹39,36,446 | ||
| 7 | ₹1,35,06,573 | ₹6,56,076 | ₹51,52,086 | ₹45,92,521 | ||
| 8 | ₹1,44,52,033 | ₹6,56,076 | ₹49,25,237 | ₹52,48,595 | ||
| 9 | ₹1,54,63,676 | ₹6,56,076 | ₹46,78,336 | ₹59,04,669 | ||
| 10 | ₹1,65,46,133 | ₹6,56,076 | ₹44,09,611 | ₹65,60,744 | ||
| 11 | ₹1,77,04,362 | ₹6,56,076 | ₹41,17,133 | ₹72,16,818 | ||
| 12 | ₹1,89,43,668 | ₹6,56,076 | ₹37,98,803 | ₹78,72,892 | ||
| 13 | ₹2,02,69,724 | ₹6,56,076 | ₹34,52,336 | ₹85,28,967 | ||
| 14 | ₹2,16,88,605 | ₹6,56,076 | ₹30,75,244 | ₹91,85,041 | ||
| 15 | ₹2,32,06,807 | ₹6,56,076 | ₹26,64,820 | ₹98,41,115 | ||
| 16 | ₹2,48,31,284 | ₹6,56,076 | ₹22,18,119 | ₹1,04,97,190 | ||
| 17 | ₹2,65,69,474 | ₹6,56,076 | ₹17,31,933 | ₹1,11,53,264 | ||
| 18 | ₹2,84,29,337 | ₹6,56,076 | ₹12,02,773 | ₹1,18,09,339 | ||
| 19 | ₹3,04,19,390 | ₹6,56,076 | ₹6,26,840 | ₹1,24,65,413 | ||
| 20 | ₹3,25,48,748 | ₹6,56,076 | ₹0 | ₹1,31,21,487 | ||
| 21 | ₹3,48,27,160 | ₹0 | ₹0 | ₹1,31,21,487 | ||
| 22 | ₹3,72,65,061 | ₹0 | ₹0 | ₹1,31,21,487 | ||
| 23 | ₹3,98,73,616 | ₹0 | ₹0 | ₹1,31,21,487 | ||
| 24 | ₹4,26,64,769 | ₹0 | ₹0 | ₹1,31,21,487 | ||
| 25 | ₹4,56,51,303 | ₹0 | ₹0 | ₹1,31,21,487 | ||
| 26 | ₹4,88,46,894 | ₹0 | ₹0 | ₹1,31,21,487 | ||
| 27 | ₹5,22,66,176 | ₹0 | ₹0 | ₹1,31,21,487 | ||
| 28 | ₹5,59,24,809 | ₹0 | ₹0 | ₹1,31,21,487 | ||
| 29 | ₹5,98,39,545 | ₹0 | ₹0 | ₹1,31,21,487 | ||
| 30 | ₹6,40,28,313 | ₹0 | ₹0 | ₹1,31,21,487 |
Kolkata home-buying FAQs
What is the stamp duty rate in Kolkata?
Stamp duty in Kolkata (West Bengal) is 6.0% of the property value, the same regardless of the buyer’s gender. On the example price of ₹90,00,000 that works out to ₹5,40,000.
What is the property registration charge in West Bengal?
Registration charge in West Bengal is 1.0% of the property value with no upper cap. On the example price of ₹90,00,000 that is ₹90,000.
When does buying break even if you sell in Kolkata?
Buying a ₹90,00,000 home in Kolkata (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 ₹19,90,317.
How much upfront cash do I need to buy a ₹90.00 L home in Kolkata?
To buy a ₹90,00,000 home in Kolkata you need roughly ₹34,20,000 upfront: a 30% down payment of ₹27,00,000 plus ₹7,20,000 of transaction costs (stamp duty ₹5,40,000, registration ₹90,000, brokerage ₹90,000).
Do women get a stamp duty concession in West Bengal?
No. West Bengal offers no reduced stamp duty for women buyers — the 6.0% slab applies regardless of who the property is registered to.
Is property in Kolkata cheaper than other metros?
Yes. Kolkata is one of the most affordable major Indian metros — the New Town and Salt Lake belts run roughly ₹5,000–8,500/sq ft, far below Mumbai, Delhi, or Bangalore. That affordability, plus a large end-user base, keeps the market stable rather than speculative.
What are the current stamp duty charges in Kolkata?
West Bengal charges 6% stamp duty for properties up to ₹1 crore and 7% above that, plus a 1% registration fee, on the higher of the sale price or circle rate. The temporary 2% COVID-era rebate was permanently discontinued from 1 July 2024, so buyers should budget for the full rate.
Kolkata at a glance
Based on an example ₹90,00,000 home at 30% down, 8.5% over 20 years. Change any input in the calculator to see your own numbers.
| Example property price | ₹90,00,000 |
|---|---|
| Down payment (30%) | ₹27,00,000 |
| Loan amount | ₹63,00,000 |
| Monthly EMI | ₹54,673 |
| Stamp duty (6.0%) | ₹5,40,000 |
| Registration | ₹90,000 |
| Brokerage | ₹90,000 |
| All-in transaction cost (8.0%) | ₹7,20,000 |
| Upfront cash needed | ₹34,20,000 |
| Rent if you rented instead | ₹25,000 / mo |
| Net gain if sold (10 yr) | ₹19,90,317 |
| Break-even on sale | Year 7 |