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Guide

Is Property a Good Investment in India?

Property vs equity over 10 and 20 years, after costs.

Updated 17 August 2026

Your numbers

₹1 Cr
₹5 L₹1,00,00,000₹50 Cr
₹1,000₹30,000₹50 L
₹25 L
₹0₹25,00,000₹20 Cr
58.5%15
110 years30
06%20
012%25
07%20
Renting is ahead by
₹2,72,13,430
  • Buy24%
  • Rent & invest76%
Net worth if you buy
₹1,26,58,940
Net worth if you rent & invest
₹3,98,72,370
EMI
₹65,087
Total rent paid
₹49,73,921
Total outflow if buying
₹1,11,10,409
Property value after appreciation
₹1,79,08,477

What this means.The answer swings entirely on two assumptions: property appreciation (6%) versus equity returns (12%). At a rent-to-price ratio of 3.60%, renting is mathematically cheap in most Indian metros. Buying still wins on stability, forced saving and not being asked to vacate — those are real, just not financial.

Questions

Is this property information specific to India?

Yes. Everything on Credsir is written for Indian regulation, Indian tax law and Indian products — RBI rules, IRDAI norms, SEBI regulation and the current financial year’s income tax provisions.

How often is this page updated?

Rate tables are refreshed weekly, and immediately after an RBI policy change or a Budget announcement. Every figure on the page carries the date it was captured and a link to its source, so you can always see how current it is.

Does Credsir get paid to rank products here?

No. We earn from partner links and advertising, but rankings come from a published scoring formula that runs identically on every product, whether we earn from it or not. Products we make nothing from appear in these lists whenever they win on the numbers.

Are these the rates I will actually be offered?

Advertised rates are the best case, reserved for applicants with a high credit score, stable income and a favourable profile. Your offer depends on your credit score, employer, income and existing obligations. Treat published rates as the floor, not the quote.

Related reading

Worth knowing.Rates, fees and terms change frequently and vary by applicant. Everything here is general information, not personalised advice. Confirm the current terms directly with the institution before you apply. How we research and rate.