Dhan Metrics

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Property Investment

Total return on a property — price + rent + appreciation, minus EMI and expenses.

Dhan Metrics12 June 2026

dhanmetrics.com · Educational illustration only · Not investment advice

Total return on the property

Worth doing on these numbers

Annualised return on equity

15.40%

After 10 years, including rent + appreciation.

Profit on exit

₹43,77,868

EMI

₹69,426

Lifetime cash flows

Down payment₹20,00,000
Total EMIs paid₹83,31,103
Total expenses₹6,00,000
Total rent collected+ ₹30,00,000
Net cash from sale+ ₹1,23,08,971
Sale price (estimate)₹1,79,08,477

What this means

The annualised return includes price appreciation, net rental income, minus EMI and ownership costs over the full hold period. Property is illiquid and concentrated; the return often looks lower than a diversified equity SIP, but offers leverage and an owned roof. Compare carefully.

Educational illustration only. Ignores capital gains tax, prepayment, refinance, and liquidity friction — model those separately for a real decision.

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Purchase & hold inputs

Combines loan EMI, rental income, expenses and capital appreciation into one annualised return.

Maintenance + property tax + insurance.

Long-term Indian residential ≈ 5–7%. Tier-1 metros higher, tier-3 often lower.