Reviewed by Nas, PropyMart AI · AI Property Advisor · Last updated 2026-05-23
The PropyMart ROI Estimator projects the total return on a real-estate investment by combining gross rental yield with capital appreciation across your holding period. Enter the purchase price, expected monthly rent, annual appreciation rate and holding years to see future value, total ROI and equivalent CAGR — so you can compare a property purchase head-to-head against mutual funds, FDs or REITs.
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| Feature | ROI Calculator (this page) | EMI Calculator | Rental Yield | Investment AI |
|---|---|---|---|---|
| Primary output | Total ROI % + CAGR | Monthly EMI | Gross / net yield % | AI recommendation |
| Time horizon | Multi-year (3–20 yr) | Loan tenure | Snapshot (annual) | Configurable |
| Best for | Total return projection | Loan affordability | Pure cash-flow play | Side-by-side scenarios |
Residential rental yield in Indian metros is typically 2–3.5% gross. Commercial property yields 6–9%. Anything above 4% on residential is considered strong.
ROI = (Net rental income + Capital appreciation – Costs) ÷ Purchase price × 100. Our calculator uses gross rent and appreciation; subtract ~25% for maintenance, vacancy and taxes for net ROI.
Equity mutual funds have historically delivered 12–14% CAGR vs ~8–10% total return on residential property. Real estate offers lower volatility, leverage via home loans, and rental cash flow — pick based on your goals.
Stamp duty (4–8%), registration (1%), brokerage (1–2%), GST on under-construction (5%), property tax, society maintenance, vacancy periods and repair costs are excluded from the base ROI figure.
Minimum 7–10 years to absorb transaction costs and short-term price cycles. Long-term capital gains tax also becomes favourable after 24 months of holding.
Tier-1 cities have averaged 4–8% annual appreciation post-RERA. Upcoming locations near metro corridors or IT hubs can hit 10–15%. Use a conservative 6–8% for base case.
No. For a leveraged-purchase ROI, subtract the total interest paid (use our EMI Calculator) from the gross return.
Rental yield is annual rent ÷ price (cash-flow return). Total ROI also adds capital appreciation over time. A 3% yield with 7% appreciation gives ~10% total ROI per year.