Property Investment Calculator — Nagpur (2026)
Rental yield, cash flow, and return on cash for a buy-to-let in Nagpur, Maharashtra. Planning to live in it instead? Use the Nagpur rent vs buy calculator.
Thinking about buying property to rent out in Nagpur? This calculator models a Nagpur 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 8.4% of upfront transaction costs (Maharashtra 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 ₹70,00,000 property (assuming 30% down at 8.5% over 20 years, all editable), the EMI is ₹42,523 and you need ₹26,90,000 of upfront cash. A typical rent of ₹18,000/month is a gross rental yield of 3.1% and a monthly shortfall of ₹24,523 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 ₹51,26,686 — a return on cash of about 191% on your ₹26,90,000 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.
Nagpur property investment calculator
Key outputs
On a ₹70,00,000 property in Nagpur, the gross rental yield is 3.1% and monthly cash flow is -₹24,523 (you top this up each month). You need ₹26,90,000 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 | ₹74,90,000 | ₹2,16,000 | ₹5,10,280 | ₹48,02,479 | ₹26,87,521 | -₹2,94,280 | -₹2,94,280 | -₹3,71,659 |
| 2 | ₹80,14,300 | ₹2,26,800 | ₹5,10,280 | ₹46,96,338 | ₹33,17,962 | -₹2,83,480 | -₹5,77,760 | -₹29,941 |
| 3 | ₹85,75,301 | ₹2,38,140 | ₹5,10,280 | ₹45,80,814 | ₹39,94,487 | -₹2,72,140 | -₹8,49,900 | ₹3,68,833 |
| 4 | ₹91,75,572 | ₹2,50,047 | ₹5,10,280 | ₹44,55,080 | ₹47,20,492 | -₹2,60,233 | -₹11,10,133 | ₹8,28,603 |
| 5 | ₹98,17,862 | ₹2,62,549 | ₹5,10,280 | ₹43,18,232 | ₹54,99,630 | -₹2,47,731 | -₹13,57,864 | ₹13,53,588 |
| 6 | ₹1,05,05,112 | ₹2,75,677 | ₹5,10,280 | ₹41,69,288 | ₹63,35,825 | -₹2,34,603 | -₹15,92,467 | ₹19,48,306 |
| 7 | ₹1,12,40,470 | ₹2,89,461 | ₹5,10,280 | ₹40,07,178 | ₹72,33,292 | -₹2,20,819 | -₹18,13,287 | ₹26,17,601 |
| 8 | ₹1,20,27,303 | ₹3,03,934 | ₹5,10,280 | ₹38,30,740 | ₹81,96,564 | -₹2,06,346 | -₹20,19,633 | ₹33,66,658 |
| 9 | ₹1,28,69,214 | ₹3,19,130 | ₹5,10,280 | ₹36,38,706 | ₹92,30,509 | -₹1,91,150 | -₹22,10,783 | ₹42,01,034 |
| 10 | ₹1,37,70,060 | ₹3,35,087 | ₹5,10,280 | ₹34,29,697 | ₹1,03,40,362 | -₹1,75,193 | -₹23,85,976 | ₹51,26,686 |
| 11 | ₹1,47,33,964 | ₹3,51,841 | ₹5,10,280 | ₹32,02,215 | ₹1,15,31,749 | -₹1,58,439 | -₹25,44,415 | ₹61,49,995 |
| 12 | ₹1,57,65,341 | ₹3,69,433 | ₹5,10,280 | ₹29,54,625 | ₹1,28,10,716 | -₹1,40,847 | -₹26,85,261 | ₹72,77,802 |
| 13 | ₹1,68,68,915 | ₹3,87,905 | ₹5,10,280 | ₹26,85,150 | ₹1,41,83,765 | -₹1,22,375 | -₹28,07,637 | ₹85,17,439 |
| 14 | ₹1,80,49,739 | ₹4,07,300 | ₹5,10,280 | ₹23,91,856 | ₹1,56,57,883 | -₹1,02,980 | -₹29,10,616 | ₹98,76,769 |
| 15 | ₹1,93,13,221 | ₹4,27,665 | ₹5,10,280 | ₹20,72,638 | ₹1,72,40,583 | -₹82,615 | -₹29,93,231 | ₹1,13,64,220 |
| 16 | ₹2,06,65,146 | ₹4,49,048 | ₹5,10,280 | ₹17,25,203 | ₹1,89,39,943 | -₹61,232 | -₹30,54,463 | ₹1,29,88,829 |
| 17 | ₹2,21,11,706 | ₹4,71,501 | ₹5,10,280 | ₹13,47,059 | ₹2,07,64,647 | -₹38,779 | -₹30,93,242 | ₹1,47,60,288 |
| 18 | ₹2,36,59,526 | ₹4,95,076 | ₹5,10,280 | ₹9,35,490 | ₹2,27,24,036 | -₹15,204 | -₹31,08,446 | ₹1,66,88,994 |
| 19 | ₹2,53,15,693 | ₹5,19,830 | ₹5,10,280 | ₹4,87,542 | ₹2,48,28,150 | ₹9,550 | -₹30,98,896 | ₹1,87,86,097 |
| 20 | ₹2,70,87,791 | ₹5,45,821 | ₹5,10,280 | ₹0 | ₹2,70,87,791 | ₹35,541 | -₹30,63,355 | ₹2,10,63,558 |
| 21 | ₹2,89,83,937 | ₹5,73,112 | ₹0 | ₹0 | ₹2,89,83,937 | ₹5,73,112 | -₹24,90,243 | ₹2,35,13,854 |
| 22 | ₹3,10,12,812 | ₹6,01,768 | ₹0 | ₹0 | ₹3,10,12,812 | ₹6,01,768 | -₹18,88,475 | ₹2,61,24,209 |
| 23 | ₹3,31,83,709 | ₹6,31,856 | ₹0 | ₹0 | ₹3,31,83,709 | ₹6,31,856 | -₹12,56,619 | ₹2,89,05,253 |
| 24 | ₹3,55,06,569 | ₹6,63,449 | ₹0 | ₹0 | ₹3,55,06,569 | ₹6,63,449 | -₹5,93,169 | ₹3,18,68,334 |
| 25 | ₹3,79,92,028 | ₹6,96,622 | ₹0 | ₹0 | ₹3,79,92,028 | ₹6,96,622 | ₹1,03,452 | ₹3,50,25,560 |
| 26 | ₹4,06,51,470 | ₹7,31,453 | ₹0 | ₹0 | ₹4,06,51,470 | ₹7,31,453 | ₹8,34,905 | ₹3,83,89,861 |
| 27 | ₹4,34,97,073 | ₹7,68,025 | ₹0 | ₹0 | ₹4,34,97,073 | ₹7,68,025 | ₹16,02,930 | ₹4,19,75,033 |
| 28 | ₹4,65,41,869 | ₹8,06,427 | ₹0 | ₹0 | ₹4,65,41,869 | ₹8,06,427 | ₹24,09,357 | ₹4,57,95,807 |
| 29 | ₹4,97,99,799 | ₹8,46,748 | ₹0 | ₹0 | ₹4,97,99,799 | ₹8,46,748 | ₹32,56,105 | ₹4,98,67,906 |
| 30 | ₹5,32,85,785 | ₹8,89,085 | ₹0 | ₹0 | ₹5,32,85,785 | ₹8,89,085 | ₹41,45,190 | ₹5,42,08,117 |
Nagpur property investment FAQs
What is the rental yield in Nagpur?
At a rent of ₹18,000/month on a ₹70,00,000 property, the gross rental yield in Nagpur is about 3.1% 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 Nagpur?
Not initially. At ₹18,000 rent against a ₹42,523 EMI (30% down at 8.5% over 20 years), you top up about ₹24,523 a month; rent growth narrows this gap over time.
What return could a Nagpur 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 ₹51,26,686 on ₹26,90,000 of upfront cash — a return on cash of about 191%. These are assumptions you can change.
How much upfront cash do I need to invest in a ₹70.00 L property in Nagpur?
To invest in a ₹70,00,000 property in Nagpur you need roughly ₹26,90,000 upfront: a 30% down payment of ₹21,00,000 plus ₹5,90,000 of stamp duty, registration, and brokerage.
When does a Nagpur property investment break even?
Under the default assumptions, a Nagpur purchase turns net-positive on sale around year 3 — before that, appreciation has not yet covered your transaction and holding costs.