Free Tool

Should NRIs Rent or Sell Their Indian Property?

Compare total wealth from renting (income + appreciation) vs selling now and investing the proceeds. Make a data-driven decision.

Your property details

Current Property Value (₹)

Expected Monthly Rent (₹)

Annual Property Appreciation (%)

Investment Horizon

How this calculator works

Rent scenario: Your property appreciates at the chosen rate. You earn rental income every year (minus 10% vacancy, 10% maintenance, and 31.2% NRI TDS). At the end of the period, you still own the property (or sell it, paying 20% LTCG).

Sell scenario: You sell now, pay 20% LTCG on gains, and invest the net proceeds at 8% per annum (approximate Indian debt fund/FD returns). Total wealth = final investment value.

This is a simplified model. Actual outcomes depend on capital gains indexation, DTAA benefits, property location, and investment choices. Consult a CA before making decisions.