Rent vs Buy Calculator Pune — Which Builds More Wealth?

Should you rent or buy in Pune?

A 10-year wealth comparison — honest math from an independent advisor, not a builder’s sales pitch.

Price of the flat you’d buy ₹80 L Current monthly rent for a similar flat ₹25,000 Expected property appreciation per year 6% Return if you invested instead (MF/FD) 11%

🏠 If you BUY

🔑 If you RENT & invest

Assumes 20% down, 8.5% loan for 20 yrs, rent rising 7%/yr, maintenance & tax ~0.5% of value/yr, and renter invests the (EMI + down payment − rent) difference. 10-year horizon. Simplified model — your locality changes the answer; ask me to run it for your exact area.

💬 Run this for my locality & budget

Frequently asked questions

Is it better to rent or buy a flat in Pune?

It depends on the price-to-rent ratio of your locality, how long you will stay, and what your savings would earn elsewhere. As a rule of thumb, buying wins if you will stay 7+ years and the flat costs less than ~250x its monthly rent.

What costs do renters avoid in Pune?

Renters skip stamp duty (6%), GST (5% on under-construction), registration, maintenance and property tax — but build no equity and face ~7% annual rent increases.

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