Rent vs Buy Calculator — Pune (2026)
Home-buying economics for Pune, Maharashtra, with Maharashtra’s real stamp duty and registration costs. Buying to rent out? See the Pune investment calculator.
Where to buy in Pune? Best areas, prices & what to expect · ₹7K–₹16K/sq ftSee details
Pune's market is split between a western IT-and-auto corridor and a fast-growing eastern one. In the west, Hinjewadi (~₹9,000/sq ft) and premium Baner (₹12,000–22,000) anchor demand; in the east, Kharadi (~₹10,700/sq ft) has boomed around the EON IT park and World Trade Center. Strong end-user demand from IT and manufacturing professionals, plus expanding metro lines, keep the city on a steady 6–9% annual growth path.
Typical on-market price
₹7K–₹16K / sq ft
Notable localities
- Hinjewadi — Western IT hub (Rajiv Gandhi Infotech Park); ~₹9,000/sq ft with double-digit growth.
- Kharadi — Eastern IT corridor around EON/WTC; ~₹10,700/sq ft.
- Baner — Premium western suburb, ₹12,000–22,000/sq ft with a lifestyle premium.
- Wakad — Mid-range, well-connected, ₹7,000–14,000/sq ft near Hinjewadi.
- Hadapsar / Magarpatta — Established eastern IT township with strong rental demand.
Pune rent vs buy calculator
Key outputs
Buying this ₹1,10,00,000 home in Pune means an EMI of ₹66,822 paid from your pocket and ₹42,10,000 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 ₹42,10,000 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 | ₹1,46,31,296 | ₹3,93,83,985 | ₹7,74,74,259 |
| − Total EMI paid | −₹80,18,687 | −₹1,60,37,373 | −₹1,60,37,373 |
| = Final cash | ₹66,12,610 | ₹2,33,46,612 | ₹6,14,36,886 |
| Rent → invest the ₹42,10,000 + pay rent | |||
| Total rent paid | ₹60,37,388 | ₹1,58,71,658 | ₹3,18,90,647 |
| Stock market @ 10.0% → value | ₹1,09,19,656 | ₹2,83,22,775 | ₹7,34,61,984 |
| = Final cash (− rent) | ₹48,82,267 | ₹1,24,51,117 | ₹4,15,71,337 |
| Fixed deposit @ 7.0% → value | ₹82,81,707 | ₹1,62,91,372 | ₹3,20,47,594 |
| = Final cash (− rent) | ₹22,44,319 | ₹4,19,714 | ₹1,56,947 |
| P2P lending @ 12.0% → value | ₹1,30,75,621 | ₹4,06,10,894 | ₹12,61,31,272 |
| = Final cash (− rent) | ₹70,38,233 | ₹2,47,39,236 | ₹9,42,40,625 |
| 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 | ₹1,10,00,000 | ₹8,01,864 | ₹75,46,752 | ₹8,01,869 | ||
| 2 | ₹1,17,70,000 | ₹8,01,864 | ₹73,79,959 | ₹16,03,737 | ||
| 3 | ₹1,25,93,900 | ₹8,01,864 | ₹71,98,423 | ₹24,05,606 | ||
| 4 | ₹1,34,75,473 | ₹8,01,864 | ₹70,00,840 | ₹32,07,475 | ||
| 5 | ₹1,44,18,756 | ₹8,01,864 | ₹67,85,793 | ₹40,09,343 | ||
| 6 | ₹1,54,28,069 | ₹8,01,864 | ₹65,51,738 | ₹48,11,212 | ||
| 7 | ₹1,65,08,034 | ₹8,01,864 | ₹62,96,994 | ₹56,13,081 | ||
| 8 | ₹1,76,63,596 | ₹8,01,864 | ₹60,19,734 | ₹64,14,949 | ||
| 9 | ₹1,89,00,048 | ₹8,01,864 | ₹57,17,966 | ₹72,16,818 | ||
| 10 | ₹2,02,23,051 | ₹8,01,864 | ₹53,89,524 | ₹80,18,687 | ||
| 11 | ₹2,16,38,665 | ₹8,01,864 | ₹50,32,052 | ₹88,20,555 | ||
| 12 | ₹2,31,53,371 | ₹8,01,864 | ₹46,42,982 | ₹96,22,424 | ||
| 13 | ₹2,47,74,107 | ₹8,01,864 | ₹42,19,521 | ₹1,04,24,293 | ||
| 14 | ₹2,65,08,295 | ₹8,01,864 | ₹37,58,631 | ₹1,12,26,161 | ||
| 15 | ₹2,83,63,876 | ₹8,01,864 | ₹32,57,002 | ₹1,20,28,030 | ||
| 16 | ₹3,03,49,347 | ₹8,01,864 | ₹27,11,034 | ₹1,28,29,899 | ||
| 17 | ₹3,24,73,801 | ₹8,01,864 | ₹21,16,807 | ₹1,36,31,767 | ||
| 18 | ₹3,47,46,967 | ₹8,01,864 | ₹14,70,056 | ₹1,44,33,636 | ||
| 19 | ₹3,71,79,255 | ₹8,01,864 | ₹7,66,138 | ₹1,52,35,505 | ||
| 20 | ₹3,97,81,803 | ₹8,01,864 | ₹0 | ₹1,60,37,373 | ||
| 21 | ₹4,25,66,529 | ₹0 | ₹0 | ₹1,60,37,373 | ||
| 22 | ₹4,55,46,186 | ₹0 | ₹0 | ₹1,60,37,373 | ||
| 23 | ₹4,87,34,419 | ₹0 | ₹0 | ₹1,60,37,373 | ||
| 24 | ₹5,21,45,828 | ₹0 | ₹0 | ₹1,60,37,373 | ||
| 25 | ₹5,57,96,036 | ₹0 | ₹0 | ₹1,60,37,373 | ||
| 26 | ₹5,97,01,759 | ₹0 | ₹0 | ₹1,60,37,373 | ||
| 27 | ₹6,38,80,882 | ₹0 | ₹0 | ₹1,60,37,373 | ||
| 28 | ₹6,83,52,544 | ₹0 | ₹0 | ₹1,60,37,373 | ||
| 29 | ₹7,31,37,222 | ₹0 | ₹0 | ₹1,60,37,373 | ||
| 30 | ₹7,82,56,828 | ₹0 | ₹0 | ₹1,60,37,373 |
Pune home-buying FAQs
What is the stamp duty rate in Pune?
Stamp duty in Pune (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 ₹1,10,00,000 that is ₹7,70,000 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 ₹1,10,00,000 the charge is ₹30,000.
When does buying break even if you sell in Pune?
Buying a ₹1,10,00,000 home in Pune (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 ₹24,02,610.
How much upfront cash do I need to buy a ₹1.10 Cr home in Pune?
To buy a ₹1,10,00,000 home in Pune you need roughly ₹42,10,000 upfront: a 30% down payment of ₹33,00,000 plus ₹9,10,000 of transaction costs (stamp duty ₹7,70,000, registration ₹30,000, brokerage ₹1,10,000).
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 ₹1,10,000 on the example price of ₹1,10,00,000.
Is Hinjewadi or Kharadi better for property investment in Pune?
Both are IT-driven and have delivered strong appreciation. Hinjewadi (west) is India's largest IT park cluster with deep rental demand but well-known traffic congestion, easing as the metro extends. Kharadi (east) is newer, slightly pricier per sq ft, and has premium office and hospitality development. Kharadi tends to suit buyers wanting newer premium stock; Hinjewadi suits those prioritising rental volume and lower entry prices.
What are the stamp duty charges when buying in Pune?
Pune levies 7% stamp duty for male buyers (6% for women buying in their sole name), inclusive of the metro cess and local body tax, plus a 1% registration charge capped at ₹30,000. That is 1% higher than Mumbai, which pays a metro cess but no local body tax.
Pune at a glance
Based on an example ₹1,10,00,000 home at 30% down, 8.5% over 20 years. Change any input in the calculator to see your own numbers.
| Example property price | ₹1,10,00,000 |
|---|---|
| Down payment (30%) | ₹33,00,000 |
| Loan amount | ₹77,00,000 |
| Monthly EMI | ₹66,822 |
| Stamp duty (7.0%) | ₹7,70,000 |
| Registration | ₹30,000 |
| Brokerage | ₹1,10,000 |
| All-in transaction cost (8.3%) | ₹9,10,000 |
| Upfront cash needed | ₹42,10,000 |
| Rent if you rented instead | ₹40,000 / mo |
| Net gain if sold (10 yr) | ₹24,02,610 |
| Break-even on sale | Year 7 |