Property Calculators
Plan your Mumbai property purchase with confidence — calculate EMI, stamp duty, affordability, and rental yield for free.
Plan your Mumbai property purchase with confidence — calculate EMI, stamp duty, affordability, and rental yield for free.
Calculate your monthly EMI for any home loan amount. Adjust the loan value, interest rate, and tenure to plan your budget.
Calculate stamp duty and registration charges for your Mumbai property purchase. Maharashtra-specific rates updated for 2025.
📌 Maharashtra Stamp Duty Rates (2025)
| Owner Type | Stamp Duty | Reg. Charges |
|---|---|---|
| Male | 5% | 1% |
| Female | 4% | 1% |
| Joint (M+F) | 4.5% | 1% |
Find out how much home loan you're eligible for based on your monthly income and existing financial commitments.
💡 Rule of thumb: Banks allow max 40–50% of net income as total EMI (including existing loans). We assume 80% LTV (Loan-to-Value ratio).
Calculate the gross and net rental yield on your investment property to compare returns against other investment options.
📊 Mumbai Avg. Rental Yields (2025):
Residential: 2.5–4% | Commercial Office: 5–8% | Retail: 6–10% | Warehouse: 7–10%
Most banks approve loans where the total EMI (existing + new) is under 40–50% of your net monthly income. Stay within this to get the best rates.
Female property owners pay 1% less stamp duty in Maharashtra — saving ₹1 lakh on a ₹1 crore property. Joint registration (Male + Female) gives 0.5% discount.
Apart from stamp duty (5%) and registration (1%), budget for: GST on under-construction properties (5%), society transfer charges, and legal fees.
A 0.5% difference in interest rate on a ₹1 Cr loan over 20 years saves over ₹7 lakhs in total interest. Always compare at least 3–4 banks before finalising.
Commercial properties in Mumbai typically yield 6–10% p.a. vs 2.5–4% for residential. However, commercial needs larger investment and has higher vacancy risk.
Get a pre-approved home loan before property hunting — it speeds up negotiations, gives you bargaining power, and closes deals faster in competitive Mumbai.
Our finance experts will review your profile and suggest the best loan options from 15+ partner banks — completely free.