Should I buy a house or rent and invest in India in 2026?

There is no universal answer. It depends on your city, property price, loan terms, and how long you plan to stay. In many Indian metros, if EMI is more than 1.5x equivalent rent, renting and investing the difference can produce higher net wealth over 15 to 20 years.

Is property a good investment in India compared to mutual funds?

Over the last 20 years, Nifty 50 TRI has returned about 13% CAGR. Residential property in many Indian cities has appreciated around 4 to 6% CAGR over similar periods, excluding rental income.

What property appreciation rate should I use for the rent vs buy calculator?

For metros like Mumbai, Bengaluru, Hyderabad, and Chennai, 5 to 6% is a practical long-term assumption. For many Tier 2 cities, 3 to 5% is more realistic.

Which tax regime does the Kedil rent vs buy calculator use?

The calculator can model Section 24 and 80C benefits under the old regime. If you are on the new regime, switch to New Regime in the tax section to remove those deductions.

Does prepaying my home loan change the rent vs buy calculation?

Yes. Part-prepayments reduce interest burden and tenure, improving the buying side. Use Kedil's Prepay vs Invest calculator for that decision directly.

Rent vs Buy Calculator India

Should you buy a home or rent and invest the difference? Enter your city, loan details, and rent to see the net wealth outcome over 10–30 years — accounting for property appreciation, home loan interest, tax benefits, and investment returns.