Rent vs Buy Calculator — Surat (2026)
Home-buying economics for Surat, Gujarat, with Gujarat’s real stamp duty and registration costs. Buying to rent out? See the Surat investment calculator.
Where to buy in Surat? Best areas, prices & what to expect · ₹4K–₹7K/sq ftSee details
Surat — India's diamond and textile capital — is a fast-growing, business-driven market with citywide asking prices around ₹4,400/sq ft. The Vesu and Adajan belts are the premium residential zones, with Vesu crossing ₹5,600/sq ft, and strong end-user demand from a prosperous trading community has driven steady appreciation. As in the rest of Gujarat, low 5.9% combined statutory charges keep transaction costs modest.
Typical on-market price
₹4K–₹7K / sq ft
Notable localities
- Vesu — Premium south-side residential hub; ₹5,600/sq ft and up.
- Adajan — Established, well-connected riverside residential belt.
- Pal — Fast-growing western suburb adjacent to Adajan.
- Dumas Road — Upmarket corridor toward the coast with newer projects.
- Piplod — Central premium area near Vesu with strong demand.
Surat rent vs buy calculator
Key outputs
Buying this ₹70,00,000 home in Surat means an EMI of ₹42,523 paid from your pocket and ₹25,83,000 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 ₹25,83,000 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 ₹25,83,000 + pay rent | |||
| Total rent paid | ₹27,16,825 | ₹71,42,246 | ₹1,43,50,791 |
| Stock market @ 10.0% → value | ₹66,99,637 | ₹1,73,77,132 | ₹4,50,71,806 |
| = Final cash (− rent) | ₹39,82,812 | ₹1,02,34,886 | ₹3,07,21,015 |
| Fixed deposit @ 7.0% → value | ₹50,81,152 | ₹99,95,395 | ₹1,96,62,455 |
| = Final cash (− rent) | ₹23,64,327 | ₹28,53,149 | ₹53,11,664 |
| P2P lending @ 12.0% → value | ₹80,22,406 | ₹2,49,16,375 | ₹7,73,86,479 |
| = Final cash (− rent) | ₹53,05,581 | ₹1,77,74,129 | ₹6,30,35,688 |
| 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 |
Surat home-buying FAQs
What is the stamp duty rate in Surat?
Stamp duty in Surat (Gujarat) is 4.9% of the property value, the same regardless of the buyer’s gender. On the example price of ₹70,00,000 that works out to ₹3,43,000.
What is the property registration charge in Gujarat?
Registration charge in Gujarat is 1.0% of the property value with no upper cap. On the example price of ₹70,00,000 that is ₹70,000.
When does buying break even if you sell in Surat?
Buying a ₹70,00,000 home in Surat (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 ₹16,25,024.
How much upfront cash do I need to buy a ₹70.00 L home in Surat?
To buy a ₹70,00,000 home in Surat you need roughly ₹25,83,000 upfront: a 30% down payment of ₹21,00,000 plus ₹4,83,000 of transaction costs (stamp duty ₹3,43,000, registration ₹70,000, brokerage ₹70,000).
Do women get a stamp duty concession in Gujarat?
No. Gujarat offers no reduced stamp duty for women buyers — the 4.9% slab applies regardless of who the property is registered to.
Which are the best areas to buy a home in Surat?
Vesu is the established premium residential hub (₹5,600/sq ft and above), with Piplod and Dumas Road offering upmarket alternatives nearby. Across the river, Adajan and the fast-growing Pal belt provide well-connected options at more moderate prices.
What are the stamp duty charges in Surat?
Surat follows Gujarat’s statewide rates: roughly 4.9% stamp duty plus 1% registration, about 5.9% combined, on the higher of the transaction value or the government jantri rate. That keeps Surat among the cheaper Indian cities in which to complete a purchase.
Surat 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 (4.9%) | ₹3,43,000 |
| Registration | ₹70,000 |
| Brokerage | ₹70,000 |
| All-in transaction cost (6.9%) | ₹4,83,000 |
| Upfront cash needed | ₹25,83,000 |
| Rent if you rented instead | ₹18,000 / mo |
| Net gain if sold (10 yr) | ₹16,25,024 |
| Break-even on sale | Year 7 |