Run the numbers yourself

At 8.50% over 20 years you repay ₹2.08 for every ₹1 borrowed.

Indicative state rates for the prototype; they change and vary by area and property. Check your state's registration portal before you pay. GST: 5% on under-construction homes (1% for affordable housing), none on ready homes with an occupancy certificate.

Estimate. Banks usually lend up to 80% of the price for loans above ₹75 lakh, and limit total EMIs to about 40–60% of income. We assume 7% of the price for stamp duty, registration and fees.

Reducing-balance method, monthly rests. Floating-rate home loans to individuals have no prepayment penalty under RBI rules; check your loan agreement for fixed-rate loans.

Both sides start with the same savings. The buyer pays the down payment, ~7% buying costs, EMI and upkeep. The renter invests the down payment and costs, plus any month where renting costs less, at the return you set. Loan tenure 20 years. Before tax.

Gross yield = a year's rent ÷ price. Net yield subtracts empty months, maintenance, tax and repairs. Before income tax and loan interest. Rent is only part of the return; price growth is the other part.