Property Investment Calculator — Pune (2026)
Rental yield, cash flow, and return on cash for a buy-to-let in Pune, Maharashtra. Planning to live in it instead? Use the Pune rent vs buy calculator.
Thinking about buying property to rent out in Pune? This calculator models a Pune 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 8.3% 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 ₹1,10,00,000 property (assuming 30% down at 8.5% over 20 years, all editable), the EMI is ₹66,822 and you need ₹42,10,000 of upfront cash. A typical rent of ₹40,000/month is a gross rental yield of 4.4% and a monthly shortfall of ₹26,822 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 ₹98,41,456 — a return on cash of about 234% on your ₹42,10,000 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.
Pune property investment calculator
Key outputs
On a ₹1,10,00,000 property in Pune, the gross rental yield is 4.4% and monthly cash flow is -₹26,822 (you top this up each month). You need ₹42,10,000 upfront, and it turns net-positive on sale around year 2.
Sponsored · we may earn a commission if you apply through this link.
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 | ₹1,17,70,000 | ₹4,80,000 | ₹8,01,869 | ₹75,46,752 | ₹42,23,248 | -₹3,21,869 | -₹3,21,869 | -₹4,26,321 |
| 2 | ₹1,25,93,900 | ₹5,04,000 | ₹8,01,869 | ₹73,79,959 | ₹52,13,941 | -₹2,97,869 | -₹6,19,737 | ₹2,58,265 |
| 3 | ₹1,34,75,473 | ₹5,29,200 | ₹8,01,869 | ₹71,98,423 | ₹62,77,050 | -₹2,72,669 | -₹8,92,406 | ₹10,39,890 |
| 4 | ₹1,44,18,756 | ₹5,55,660 | ₹8,01,869 | ₹70,00,840 | ₹74,17,916 | -₹2,46,209 | -₹11,38,615 | ₹19,25,114 |
| 5 | ₹1,54,28,069 | ₹5,83,443 | ₹8,01,869 | ₹67,85,793 | ₹86,42,276 | -₹2,18,426 | -₹13,57,040 | ₹29,20,955 |
| 6 | ₹1,65,08,034 | ₹6,12,615 | ₹8,01,869 | ₹65,51,738 | ₹99,56,296 | -₹1,89,254 | -₹15,46,294 | ₹40,34,922 |
| 7 | ₹1,76,63,596 | ₹6,43,246 | ₹8,01,869 | ₹62,96,994 | ₹1,13,66,602 | -₹1,58,623 | -₹17,04,917 | ₹52,75,049 |
| 8 | ₹1,89,00,048 | ₹6,75,408 | ₹8,01,869 | ₹60,19,734 | ₹1,28,80,314 | -₹1,26,460 | -₹18,31,377 | ₹66,49,937 |
| 9 | ₹2,02,23,051 | ₹7,09,179 | ₹8,01,869 | ₹57,17,966 | ₹1,45,05,086 | -₹92,690 | -₹19,24,067 | ₹81,68,788 |
| 10 | ₹2,16,38,665 | ₹7,44,638 | ₹8,01,869 | ₹53,89,524 | ₹1,62,49,141 | -₹57,231 | -₹19,81,298 | ₹98,41,456 |
| 11 | ₹2,31,53,371 | ₹7,81,869 | ₹8,01,869 | ₹50,32,052 | ₹1,81,21,320 | -₹19,999 | -₹20,01,298 | ₹1,16,78,489 |
| 12 | ₹2,47,74,107 | ₹8,20,963 | ₹8,01,869 | ₹46,42,982 | ₹2,01,31,126 | ₹19,094 | -₹19,82,203 | ₹1,36,91,181 |
| 13 | ₹2,65,08,295 | ₹8,62,011 | ₹8,01,869 | ₹42,19,521 | ₹2,22,88,774 | ₹60,142 | -₹19,22,061 | ₹1,58,91,630 |
| 14 | ₹2,83,63,876 | ₹9,05,112 | ₹8,01,869 | ₹37,58,631 | ₹2,46,05,245 | ₹1,03,243 | -₹18,18,818 | ₹1,82,92,788 |
| 15 | ₹3,03,49,347 | ₹9,50,367 | ₹8,01,869 | ₹32,57,002 | ₹2,70,92,345 | ₹1,48,499 | -₹16,70,319 | ₹2,09,08,532 |
| 16 | ₹3,24,73,801 | ₹9,97,886 | ₹8,01,869 | ₹27,11,034 | ₹2,97,62,767 | ₹1,96,017 | -₹14,74,303 | ₹2,37,53,727 |
| 17 | ₹3,47,46,967 | ₹10,47,780 | ₹8,01,869 | ₹21,16,807 | ₹3,26,30,160 | ₹2,45,911 | -₹12,28,391 | ₹2,68,44,299 |
| 18 | ₹3,71,79,255 | ₹11,00,169 | ₹8,01,869 | ₹14,70,056 | ₹3,57,09,199 | ₹2,98,300 | -₹9,30,091 | ₹3,01,97,315 |
| 19 | ₹3,97,81,803 | ₹11,55,177 | ₹8,01,869 | ₹7,66,138 | ₹3,90,15,665 | ₹3,53,309 | -₹5,76,783 | ₹3,38,31,064 |
| 20 | ₹4,25,66,529 | ₹12,12,936 | ₹8,01,869 | ₹0 | ₹4,25,66,529 | ₹4,11,067 | -₹1,65,715 | ₹3,77,65,148 |
| 21 | ₹4,55,46,186 | ₹12,73,583 | ₹0 | ₹0 | ₹4,55,46,186 | ₹12,73,583 | ₹11,07,868 | ₹4,19,88,592 |
| 22 | ₹4,87,34,419 | ₹13,37,262 | ₹0 | ₹0 | ₹4,87,34,419 | ₹13,37,262 | ₹24,45,130 | ₹4,64,82,205 |
| 23 | ₹5,21,45,828 | ₹14,04,125 | ₹0 | ₹0 | ₹5,21,45,828 | ₹14,04,125 | ₹38,49,255 | ₹5,12,63,625 |
| 24 | ₹5,57,96,036 | ₹14,74,331 | ₹0 | ₹0 | ₹5,57,96,036 | ₹14,74,331 | ₹53,23,586 | ₹5,63,51,662 |
| 25 | ₹5,97,01,759 | ₹15,48,048 | ₹0 | ₹0 | ₹5,97,01,759 | ₹15,48,048 | ₹68,71,634 | ₹6,17,66,376 |
| 26 | ₹6,38,80,882 | ₹16,25,450 | ₹0 | ₹0 | ₹6,38,80,882 | ₹16,25,450 | ₹84,97,084 | ₹6,75,29,158 |
| 27 | ₹6,83,52,544 | ₹17,06,723 | ₹0 | ₹0 | ₹6,83,52,544 | ₹17,06,723 | ₹1,02,03,807 | ₹7,36,62,826 |
| 28 | ₹7,31,37,222 | ₹17,92,059 | ₹0 | ₹0 | ₹7,31,37,222 | ₹17,92,059 | ₹1,19,95,866 | ₹8,01,91,716 |
| 29 | ₹7,82,56,828 | ₹18,81,662 | ₹0 | ₹0 | ₹7,82,56,828 | ₹18,81,662 | ₹1,38,77,528 | ₹8,71,41,788 |
| 30 | ₹8,37,34,805 | ₹19,75,745 | ₹0 | ₹0 | ₹8,37,34,805 | ₹19,75,745 | ₹1,58,53,273 | ₹9,45,40,731 |
Pune property investment FAQs
What is the rental yield in Pune?
At a rent of ₹40,000/month on a ₹1,10,00,000 property, the gross rental yield in Pune is about 4.4% 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 Pune?
Not initially. At ₹40,000 rent against a ₹66,822 EMI (30% down at 8.5% over 20 years), you top up about ₹26,822 a month; rent growth narrows this gap over time.
What return could a Pune 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 ₹98,41,456 on ₹42,10,000 of upfront cash — a return on cash of about 234%. These are assumptions you can change.
How much upfront cash do I need to invest in a ₹1.10 Cr property in Pune?
To invest in a ₹1,10,00,000 property in Pune you need roughly ₹42,10,000 upfront: a 30% down payment of ₹33,00,000 plus ₹9,10,000 of stamp duty, registration, and brokerage.
When does a Pune property investment break even?
Under the default assumptions, a Pune purchase turns net-positive on sale around year 2 — before that, appreciation has not yet covered your transaction and holding costs.