Rent vs Buy Calculator — Lucknow (2026)
Home-buying economics for Lucknow, Uttar Pradesh, with Uttar Pradesh’s real stamp duty and registration costs. Buying to rent out? See the Lucknow investment calculator.
Where to buy in Lucknow? Best areas, prices & what to expect · ₹5K–₹8K/sq ftSee details
Lucknow is a steady, affordable state-capital market averaging around ₹6,700/sq ft. Gomti Nagar is the established prime address, with newer premium supply in Sushant Golf City and along the Shaheed Path and Sultanpur Road corridors. Demand is largely end-user — government employees, professionals, and business families — with expanding expressway and metro links slowly widening the city’s residential footprint.
Typical on-market price
₹5K–₹8K / sq ft
Notable localities
- Gomti Nagar — The city’s prime, well-planned residential and commercial hub.
- Sushant Golf City — Large integrated township popular for premium new stock.
- Jankipuram — Established, affordable northern residential belt.
- Sultanpur Road — Fast-growing southern corridor with new launches.
- Hazratganj — Central heritage core; low-supply, high-value.
Lucknow rent vs buy calculator
Key outputs
Buying this ₹80,00,000 home in Lucknow means an EMI of ₹48,598 paid from your pocket and ₹31,20,000 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 ₹31,20,000 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 | ₹1,06,40,943 | ₹2,86,42,898 | ₹5,63,44,916 |
| − Total EMI paid | −₹58,31,772 | −₹1,16,63,544 | −₹1,16,63,544 |
| = Final cash | ₹48,09,171 | ₹1,69,79,354 | ₹4,46,81,372 |
| Rent → invest the ₹31,20,000 + pay rent | |||
| Total rent paid | ₹30,18,694 | ₹79,35,829 | ₹1,59,45,323 |
| Stock market @ 10.0% → value | ₹80,92,476 | ₹2,09,89,800 | ₹5,44,42,135 |
| = Final cash (− rent) | ₹50,73,782 | ₹1,30,53,971 | ₹3,84,96,812 |
| Fixed deposit @ 7.0% → value | ₹61,37,512 | ₹1,20,73,416 | ₹2,37,50,236 |
| = Final cash (− rent) | ₹31,18,818 | ₹41,37,587 | ₹78,04,912 |
| P2P lending @ 12.0% → value | ₹96,90,246 | ₹3,00,96,434 | ₹9,34,74,957 |
| = Final cash (− rent) | ₹66,71,552 | ₹2,21,60,605 | ₹7,75,29,634 |
| 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 | ₹80,00,000 | ₹5,83,176 | ₹54,88,547 | ₹5,83,177 | ||
| 2 | ₹85,60,000 | ₹5,83,176 | ₹53,67,243 | ₹11,66,354 | ||
| 3 | ₹91,59,200 | ₹5,83,176 | ₹52,35,216 | ₹17,49,532 | ||
| 4 | ₹98,00,344 | ₹5,83,176 | ₹50,91,520 | ₹23,32,709 | ||
| 5 | ₹1,04,86,368 | ₹5,83,176 | ₹49,35,122 | ₹29,15,886 | ||
| 6 | ₹1,12,20,414 | ₹5,83,176 | ₹47,64,900 | ₹34,99,063 | ||
| 7 | ₹1,20,05,843 | ₹5,83,176 | ₹45,79,632 | ₹40,82,240 | ||
| 8 | ₹1,28,46,252 | ₹5,83,176 | ₹43,77,988 | ₹46,65,418 | ||
| 9 | ₹1,37,45,489 | ₹5,83,176 | ₹41,58,521 | ₹52,48,595 | ||
| 10 | ₹1,47,07,674 | ₹5,83,176 | ₹39,19,654 | ₹58,31,772 | ||
| 11 | ₹1,57,37,211 | ₹5,83,176 | ₹36,59,674 | ₹64,14,949 | ||
| 12 | ₹1,68,38,816 | ₹5,83,176 | ₹33,76,714 | ₹69,98,127 | ||
| 13 | ₹1,80,17,533 | ₹5,83,176 | ₹30,68,743 | ₹75,81,304 | ||
| 14 | ₹1,92,78,760 | ₹5,83,176 | ₹27,33,550 | ₹81,64,481 | ||
| 15 | ₹2,06,28,273 | ₹5,83,176 | ₹23,68,729 | ₹87,47,658 | ||
| 16 | ₹2,20,72,252 | ₹5,83,176 | ₹19,71,661 | ₹93,30,835 | ||
| 17 | ₹2,36,17,310 | ₹5,83,176 | ₹15,39,496 | ₹99,14,013 | ||
| 18 | ₹2,52,70,522 | ₹5,83,176 | ₹10,69,132 | ₹1,04,97,190 | ||
| 19 | ₹2,70,39,458 | ₹5,83,176 | ₹5,57,191 | ₹1,10,80,367 | ||
| 20 | ₹2,89,32,220 | ₹5,83,176 | ₹0 | ₹1,16,63,544 | ||
| 21 | ₹3,09,57,476 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 22 | ₹3,31,24,499 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 23 | ₹3,54,43,214 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 24 | ₹3,79,24,239 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 25 | ₹4,05,78,936 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 26 | ₹4,34,19,461 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 27 | ₹4,64,58,823 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 28 | ₹4,97,10,941 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 29 | ₹5,31,90,707 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 30 | ₹5,69,14,056 | ₹0 | ₹0 | ₹1,16,63,544 |
Lucknow home-buying FAQs
What is the stamp duty rate in Lucknow?
Stamp duty in Lucknow (Uttar Pradesh) is 7.0% of the property value, reduced to 6.0% when the property is registered in a woman’s name. On the example price of ₹80,00,000 that is ₹5,60,000 at the standard rate.
What is the property registration charge in Uttar Pradesh?
Registration charge in Uttar Pradesh is 1.0% of the property value with no upper cap. On the example price of ₹80,00,000 that is ₹80,000.
When does buying break even if you sell in Lucknow?
Buying a ₹80,00,000 home in Lucknow (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 ₹16,89,171.
How much upfront cash do I need to buy a ₹80.00 L home in Lucknow?
To buy a ₹80,00,000 home in Lucknow you need roughly ₹31,20,000 upfront: a 30% down payment of ₹24,00,000 plus ₹7,20,000 of transaction costs (stamp duty ₹5,60,000, registration ₹80,000, brokerage ₹80,000).
Do women get a stamp duty concession in Uttar Pradesh?
Yes. Uttar Pradesh charges women buyers a reduced stamp duty of 6.0% versus 7.0%, saving about ₹80,000 on the example price of ₹80,00,000.
Which is the best area to buy a home in Lucknow?
Gomti Nagar is the benchmark prime area with the deepest resale and rental market, while Sushant Golf City and the Shaheed Path / Sultanpur Road corridor offer newer, larger-format homes at competitive prices. Jankipuram remains a reliable affordable option in the north.
What are the stamp duty charges in Lucknow?
Uttar Pradesh charges 7% stamp duty for men and 6% for women registering in their sole name, plus a flat 1% registration fee, calculated on the higher of the agreement value or circle rate. On Lucknow’s typical ticket sizes the sole-female concession is a modest but real saving.
Lucknow at a glance
Based on an example ₹80,00,000 home at 30% down, 8.5% over 20 years. Change any input in the calculator to see your own numbers.
| Example property price | ₹80,00,000 |
|---|---|
| Down payment (30%) | ₹24,00,000 |
| Loan amount | ₹56,00,000 |
| Monthly EMI | ₹48,598 |
| Stamp duty (7.0%) | ₹5,60,000 |
| Registration | ₹80,000 |
| Brokerage | ₹80,000 |
| All-in transaction cost (9.0%) | ₹7,20,000 |
| Upfront cash needed | ₹31,20,000 |
| Rent if you rented instead | ₹20,000 / mo |
| Net gain if sold (10 yr) | ₹16,89,171 |
| Break-even on sale | Year 7 |