Gross yield is what brokers quote. Net yield is what reaches your bank. Enter the purchase price, expected rent, vacancy, maintenance, property tax and acquisition costs to see gross yield, net yield on all-in cost, a 5-year projection and, if you finance, the cash-on-cash yield after EMI. Presets for Pune residential flats (2.5-3.5% gross typical) and pre-leased commercial (7-9% gross typical).
Residential flats in Pune typically earn 2.5-3.5% gross; well-located 2 BHKs near IT hubs (Hinjewadi, Kharadi, Baner) sit at the upper end. Pre-leased commercial property (offices, retail, warehousing) usually yields 7-9% gross with a 3-5 year lock-in and 15% escalation every 3 years. Treat these as indicative ranges, not guarantees.
Gross yield is simply annual rent divided by the purchase price. Net yield deducts what you actually pay as an owner: vacancy, society maintenance, property tax, insurance and repairs, and property-management fees, and divides by the all-in cost including stamp duty, registration, brokerage and interiors. Net yield is the number that pays your bills.
No. Rent is taxed in India as income from house property after a 30% standard deduction (Section 24(a)) and deduction of home-loan interest (Section 24(b)). Tenants must deduct TDS if monthly rent exceeds Rs 50,000 (Section 194-IB), and commercial rent attracts 18% GST above the threshold. Your post-tax yield depends on your slab, so please confirm with a chartered accountant.
Cash-on-cash yield measures the cash you actually keep after paying EMIs, divided by the cash you actually put in (down payment plus acquisition costs). With Indian home-loan rates above residential yields, leveraged flats usually show negative monthly cash flow; the return then comes from capital appreciation, not rent.
Within Pune Municipal Corporation limits, stamp duty is 6% for men (5% + 1% metro cess) and 5% for women buyers, plus registration of 1% capped at Rs 30,000. Rates change with government notifications and the Ready Reckoner, so verify the current rate at the time of agreement.
Yes. The yield math is identical, but NRIs face TDS under Section 195 on sale proceeds, TDS on rent by the tenant, and repatriation limits under FEMA. Our NRI advisory desk walks you through the structure before you commit.
Provided by Prop Assist (Bluerock Enterprises LLP, MahaRERA Regn. No. A52100047490) for general information only. Outputs are estimates from the figures you enter; not a valuation, forecast, guarantee of rent or returns, or an offer, solicitation or recommendation. Taxes (income from house property, TDS under Sections 194-IB/195, GST on commercial rent, capital gains) are not computed. Consult your chartered accountant, legal adviser and a RERA-registered consultant.
Call +91 84594 58536 · Email sales@propassist.in · RERA A52100047490