Rent vs Buy for ₹30 Lakh Property — Net Worth Comparison
Immediate answer for ₹30 lakh property
₹18,00,000
You're better off buying by. Adjust the calculator below for your exact assumptions.
Specific Context
A ₹30 lakh property budget in India typically covers 1BHK or 2BHK apartments in tier-2 cities, or smaller flats in tier-1 city suburbs. At this level, buyers often compare renting vs buying for the first time. This page pre-fills the rent vs buy calculator with a property price of ₹30,00,000, a 20% down payment of ₹6,00,000, a loan amount of ₹24,00,000, 8.5% loan interest rate, 5% property appreciation, ₹30000 monthly maintenance, and a monthly rent of ₹12000 (typical rent-to-price ratio). The calculator compares your net worth after 20 years under both scenarios, accounting for EMI payments, opportunity cost of down payment, property appreciation, and rent savings invested. Use the immediate answer to see which option builds more wealth, then adjust the assumptions to match your actual quotes and investment return expectations.
Compare Nearby Values
| ₹30 lakh property | ₹18,00,000 |
| ₹50 lakh property | ₹30,00,000 |
| ₹75 lakh property | ₹45,00,000 |
Common questions
Is buying a ₹30 lakh property better than renting?
It depends on property appreciation, rental yields, opportunity cost of down payment, and how long you plan to stay. Use this calculator to compare both scenarios with your actual numbers.
What assumptions does this page use?
It starts with 20% down payment, 8.5% loan rate, 5% property appreciation, 1% annual maintenance, and typical rent-to-price ratio. Edit these in the calculator to match your situation.
Should I include opportunity cost?
Yes. The down payment could be invested elsewhere. If you can earn 12% returns by investing instead of buying, that's a significant opportunity cost.
What to Check Next
Compare this page with the parent calculator, then check related decisions so the number is useful in context.
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Request a calculator →Disclaimer: This programmatic page is an estimate generated from the same calculator formulas used on CalcPad.in. It is not financial, tax, loan, salary, academic, or legal advice.
Last updated: April 2026