Rent vs Buy Calculator — Nagpur (2026)
Home-buying economics for Nagpur, Maharashtra, with Maharashtra’s real stamp duty and registration costs. Buying to rent out? See the Nagpur investment calculator.
Where to buy in Nagpur? Best areas, prices & what to expect · ₹3K–₹6K/sq ftSee details
Nagpur is an affordable, largely end-user market in central India, with city-wide prices averaging around ₹3,500–5,000/sq ft. The MIHAN project (a multi-modal SEZ and logistics hub near the airport) and improving expressway connectivity are the main long-term catalysts. Premium demand concentrates around Dharampeth and Civil Lines, while the Wardha Road and Manish Nagar belts absorb most new mid-market supply.
Typical on-market price
₹3K–₹6K / sq ft
Notable localities
- Dharampeth — Established upmarket central area; the city’s premium address.
- Wardha Road — Airport/MIHAN corridor with the bulk of new residential launches.
- Manish Nagar — Popular, fast-growing mid-market suburb near the Ring Road.
- Civil Lines — Old-money low-density neighbourhood with large plots.
Nagpur rent vs buy calculator
Key outputs
Buying this ₹70,00,000 home in Nagpur means an EMI of ₹42,523 paid from your pocket and ₹26,90,000 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 ₹26,90,000 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 | ₹93,10,825 | ₹2,50,62,536 | ₹4,93,01,801 |
| − Total EMI paid | −₹51,02,801 | −₹1,02,05,601 | −₹1,02,05,601 |
| = Final cash | ₹42,08,024 | ₹1,48,56,935 | ₹3,90,96,200 |
| Rent → invest the ₹26,90,000 + pay rent | |||
| Total rent paid | ₹27,16,825 | ₹71,42,246 | ₹1,43,50,791 |
| Stock market @ 10.0% → value | ₹69,77,167 | ₹1,80,96,975 | ₹4,69,38,892 |
| = Final cash (− rent) | ₹42,60,342 | ₹1,09,54,729 | ₹3,25,88,101 |
| Fixed deposit @ 7.0% → value | ₹52,91,637 | ₹1,04,09,451 | ₹2,04,76,966 |
| = Final cash (− rent) | ₹25,74,812 | ₹32,67,205 | ₹61,26,175 |
| P2P lending @ 12.0% → value | ₹83,54,732 | ₹2,59,48,528 | ₹8,05,92,191 |
| = Final cash (− rent) | ₹56,37,907 | ₹1,88,06,282 | ₹6,62,41,399 |
| 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 | ₹70,00,000 | ₹5,10,276 | ₹48,02,479 | ₹5,10,280 | ||
| 2 | ₹74,90,000 | ₹5,10,276 | ₹46,96,338 | ₹10,20,560 | ||
| 3 | ₹80,14,300 | ₹5,10,276 | ₹45,80,814 | ₹15,30,840 | ||
| 4 | ₹85,75,301 | ₹5,10,276 | ₹44,55,080 | ₹20,41,120 | ||
| 5 | ₹91,75,572 | ₹5,10,276 | ₹43,18,232 | ₹25,51,400 | ||
| 6 | ₹98,17,862 | ₹5,10,276 | ₹41,69,288 | ₹30,61,680 | ||
| 7 | ₹1,05,05,112 | ₹5,10,276 | ₹40,07,178 | ₹35,71,960 | ||
| 8 | ₹1,12,40,470 | ₹5,10,276 | ₹38,30,740 | ₹40,82,240 | ||
| 9 | ₹1,20,27,303 | ₹5,10,276 | ₹36,38,706 | ₹45,92,521 | ||
| 10 | ₹1,28,69,214 | ₹5,10,276 | ₹34,29,697 | ₹51,02,801 | ||
| 11 | ₹1,37,70,060 | ₹5,10,276 | ₹32,02,215 | ₹56,13,081 | ||
| 12 | ₹1,47,33,964 | ₹5,10,276 | ₹29,54,625 | ₹61,23,361 | ||
| 13 | ₹1,57,65,341 | ₹5,10,276 | ₹26,85,150 | ₹66,33,641 | ||
| 14 | ₹1,68,68,915 | ₹5,10,276 | ₹23,91,856 | ₹71,43,921 | ||
| 15 | ₹1,80,49,739 | ₹5,10,276 | ₹20,72,638 | ₹76,54,201 | ||
| 16 | ₹1,93,13,221 | ₹5,10,276 | ₹17,25,203 | ₹81,64,481 | ||
| 17 | ₹2,06,65,146 | ₹5,10,276 | ₹13,47,059 | ₹86,74,761 | ||
| 18 | ₹2,21,11,706 | ₹5,10,276 | ₹9,35,490 | ₹91,85,041 | ||
| 19 | ₹2,36,59,526 | ₹5,10,276 | ₹4,87,542 | ₹96,95,321 | ||
| 20 | ₹2,53,15,693 | ₹5,10,276 | ₹0 | ₹1,02,05,601 | ||
| 21 | ₹2,70,87,791 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 22 | ₹2,89,83,937 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 23 | ₹3,10,12,812 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 24 | ₹3,31,83,709 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 25 | ₹3,55,06,569 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 26 | ₹3,79,92,028 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 27 | ₹4,06,51,470 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 28 | ₹4,34,97,073 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 29 | ₹4,65,41,869 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 30 | ₹4,97,99,799 | ₹0 | ₹0 | ₹1,02,05,601 |
Nagpur home-buying FAQs
What is the stamp duty rate in Nagpur?
Stamp duty in Nagpur (Maharashtra) 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 ₹70,00,000 that is ₹4,90,000 at the standard rate.
What is the property registration charge in Maharashtra?
Registration charge in Maharashtra is 1.0% of the property value, capped at ₹30,000. On the example price of ₹70,00,000 the charge is ₹30,000.
When does buying break even if you sell in Nagpur?
Buying a ₹70,00,000 home in Nagpur (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 ₹15,18,024.
How much upfront cash do I need to buy a ₹70.00 L home in Nagpur?
To buy a ₹70,00,000 home in Nagpur you need roughly ₹26,90,000 upfront: a 30% down payment of ₹21,00,000 plus ₹5,90,000 of transaction costs (stamp duty ₹4,90,000, registration ₹30,000, brokerage ₹70,000).
Do women get a stamp duty concession in Maharashtra?
Yes. Maharashtra charges women buyers a reduced stamp duty of 6.0% versus 7.0%, saving about ₹70,000 on the example price of ₹70,00,000.
Is Nagpur a good city to invest in property?
Nagpur offers low entry prices (from around ₹20 lakh) and steady end-user demand, with the MIHAN SEZ, a growing airport, and central-India logistics connectivity as long-term drivers. It is more of a patient, appreciation-and-use play than a high-yield rental market, so it suits buyers with a longer horizon.
Which areas in Nagpur are best for buying a home?
Dharampeth and Civil Lines are the established premium areas, while the Wardha Road corridor near the airport and MIHAN, along with Manish Nagar, see the most new mid-market development and infrastructure-led growth.
Nagpur at a glance
Based on an example ₹70,00,000 home at 30% down, 8.5% over 20 years. Change any input in the calculator to see your own numbers.
| Example property price | ₹70,00,000 |
|---|---|
| Down payment (30%) | ₹21,00,000 |
| Loan amount | ₹49,00,000 |
| Monthly EMI | ₹42,523 |
| Stamp duty (7.0%) | ₹4,90,000 |
| Registration | ₹30,000 |
| Brokerage | ₹70,000 |
| All-in transaction cost (8.4%) | ₹5,90,000 |
| Upfront cash needed | ₹26,90,000 |
| Rent if you rented instead | ₹18,000 / mo |
| Net gain if sold (10 yr) | ₹15,18,024 |
| Break-even on sale | Year 7 |