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%

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