For NRI Investors

NRI Property ROI Calculator

See your actual returns after Indian taxes, hidden costs, and INR depreciation — in your home currency. Most calculators show you the gross number. We show you what you actually keep.

City

Property Price
₹1.50 Cr
₹20 L₹20 Cr

Property Type

Hold Period
7 years
1 yr20 yrs
Annual Appreciation
10%
0%20%
Gross Rental Yield
4%
0%10%
Vacancy Rate
8.3% (1.0 mo/yr)
0%25%

Home Currency

Property Mgmt Fee
10% of rent
0%20%

Include Society & Property Tax

Gross Returns

Property Price₹1.50 Cr
Entry Costs (Stamp + Reg)₹12.0 L
Total Invested₹1.62 Cr
Exit Value (7 yrs)₹2.92 Cr
Gross Rental Income₹38.5 L

Gross ROI over 7 yrs

+111.6%

+11.3% p.a. annualised

Cost Breakdown

Stamp Duty (7%)₹10.5 L
Registration (1%)₹1.5 L
Property Mgmt (10% of rent)₹3.9 L
Vacancy Loss₹3.5 L
Society + Property Tax₹18.9 L
Sale Brokerage (1.5%)₹4.4 L

Total Costs

₹42.6 L

26.3% of invested capital

Post-Tax Returns (INR)

LTCG 13.0%capital gains tax
Capital Gain₹1.38 Cr
Capital Gains Tax₹17.9 L
Net Capital Gain₹1.20 Cr
Gross Rental Income₹38.5 L
Rental TDS (30%)₹11.6 L
Net Rental Income₹27.0 L

Net Return (INR)

₹1.24 Cr

+8.5% p.a. net CAGR

Returns in USD

INR Depreciation (p.a.)−3.4% vs USD
Purchasing Power After 7 yrs78.5% of today's value
Capital Deployed$194.0K

Net Return in USD

$116.7K

+7.0% p.a. in USD terms

How does it compare? (same ₹1.62 Cr invested, 7 yrs)

Your Property

Net post-tax (USD)

+8.5%

p.a. CAGR

$310.8K

total value

NRE Fixed Deposit

Tax-free, capital safe

+7.0%

p.a. CAGR

₹2.60 Cr

total value

NIFTY 50

10-yr CAGR (INR)

+12.0%

p.a. CAGR

₹3.58 Cr

total value

S&P 500 (USD)

7-yr projection

+10.0%

p.a. CAGR

$378.1K

total value

Annualised CAGR Comparison

For illustrative purposes only. Tax rates as of FY 2025-26. Consult a qualified CA and tax advisor before making investment decisions. LTCG rate 12.5% applies post Budget 2024 (indexation removed). TDS deducted at source; NRIs may claim foreign tax credit in home country.

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