Rental Yield Calculator
Calculate gross and net rental yield from property value, rent, maintenance and vacancy allowance for Indian real estate.
உங்கள் முடிவைக் கணக்கிடுங்கள்
உங்கள் எண்களை உள்ளிடுங்கள். மாற்றும்போது மதிப்பீடும் வரைபடங்களும் புதுப்பிக்கும்.
Property inputs
- Net rental yield
- 3.4%
- Gross yield
- 4.5%
- Net annual rent
- ₹2,70,000
- Effective rent
- ₹3,30,000
உங்கள் கணக்குகள் சொல்வது என்ன
Vacancy and upkeep cut your yield from 4.5% to 3.4%.
That's ₹90,000 a year out of ₹3,60,000 in headline rent.
It takes about 30 years of net rent to equal the property price.
Rent alone pays the price back slowly, so the rest of your return depends on the property's value rising.
Avoiding the 1-month vacancy would add ₹30,000 a year.
Net yield would rise to 3.8%; quick re-letting and longer leases help.
உங்கள் கணக்கீட்டைப் புரிந்துகொள்ளுங்கள்
Rental yield measures a year's rent as a percentage of what the property is worth. This calculator shows two versions: gross yield, which is just rent ÷ value, and net yield, which first knocks off the months the flat may sit empty and what you spend on maintenance each year. Net yield is the number to compare with an FD rate, a debt fund or your home loan rate.
Rental Yield Calculator ஏன் பயன்படுத்த வேண்டும்
A ₹30,000 rent on an ₹80 lakh flat sounds healthy until you put it in percentage terms. Society charges, repairs, property tax and a month or two between tenants all come out of that rent, and the property value is often much larger than buyers mentally account for. Working out net yield before you buy, or before you decide to keep an inherited or second flat, puts the rental income on the same footing as every other investment you hold.
ஒரே பார்வையில் நன்மைகள்
Gross and net yield side by side
See the headline return and the return after vacancy and costs in one view, so the gap between them is obvious.
Vacancy allowance
Enter the months a year you expect the flat to be empty between tenants, and the calculator removes that rent.
Like-for-like comparison
Net yield is a percentage of value, so you can compare it directly with a deposit rate or your loan's interest rate.
Rental Yield Calculator ஐ எவ்வாறு பயன்படுத்துவது
- 1
Enter property value
Use today's realistic market value if you already own it, or the all-in purchase price if you're deciding whether to buy.
- 2
Enter monthly rent
Use rent that comparable flats in the same building or locality actually fetch, not the asking rent on listings.
- 3
Add annual maintenance
Include society maintenance, property tax, repairs, painting between tenants and any brokerage you pay as the owner, as one yearly figure.
- 4
Set vacancy months
One month a year is a common planning allowance; use more if the locality has a slow rental market.
- 5
Read net yield
Compare net yield with what the same money would earn elsewhere, and with the rate on any loan used to buy the flat.
உதாரணம்
₹80 lakh flat renting at ₹30,000 a month
These are the calculator's defaults. Gross annual rent is ₹30,000 × 12 = ₹3,60,000, so gross yield is ₹3,60,000 ÷ ₹80,00,000 = 4.5%. With one vacant month, effective rent is ₹30,000 × 11 = ₹3,30,000. Subtract ₹60,000 of yearly maintenance and net rent is ₹2,70,000, a net yield of 3.375%.
- Gross annual rent
- ₹3,60,000
- Gross yield
- 4.5%
- Rent after 1 vacant month
- ₹3,30,000
- Net rent after ₹60,000 maintenance
- ₹2,70,000
- Net yield
- 3.375%
One empty month and ₹5,000 a month of costs take more than a percentage point off the headline yield.
எவ்வாறு கணக்கிடப்படுகிறது
Gross annual rent = monthly rent × 12 and gross yield = gross annual rent ÷ property value × 100.
Effective rent = monthly rent × (12 − vacancy months), with vacancy limited to between 0 and 12 months. Net rent = effective rent − annual maintenance, and net yield = net rent ÷ property value × 100.
Net rent isn't floored at zero, so if costs exceed the rent you collect the calculator shows a negative net yield. Neither yield includes price appreciation, tax or loan interest.
கருதுகோள்கள் மற்றும் வரம்புகள்
- Capital appreciation is not included.
- Tax on rental income and financing costs are excluded.
- Net rent is effective rent minus maintenance and can be negative; losses are not floored to zero.
- Maintenance and vacancy are planning estimates.
அடிக்கடி கேட்கப்படும் கேள்விகள்
What is a good rental yield in India?
There's no single benchmark. A useful test is to compare your net yield with what the same money would earn in a bank FD or debt fund, and with your home loan rate. If net yield is well below both, the property is relying on price growth to make sense.
Is net yield better than gross yield?
For decisions, yes. Gross yield is handy for quickly comparing listings, but net yield accounts for vacancy and costs, which is what actually reaches your bank account.
What should I include in annual maintenance?
Society maintenance, property tax, routine repairs, repainting or fixes between tenants, and any brokerage you pay as owner. Check your society's maintenance bill and your municipal property tax receipt for the real figures.
Should I use purchase price or current market value?
Use current market value to judge whether to keep a property you own, because that's the money you could release by selling. Use the full purchase cost, including stamp duty and registration, when deciding whether to buy.
Does this include home loan EMI?
No. Yield is measured on the full property value regardless of how it's financed. Use the home loan EMI calculator separately to compare the interest cost with your net rent.
Is rental income taxed?
Rent is generally taxable as income from house property, with deductions for municipal taxes and other allowances. The rules depend on your tax regime and situation, so check current Income Tax Department guidance or a tax adviser. This calculator shows pre-tax yield.
இறுதியாக
Run the rental yield calculator before buying an investment flat and each time rent is renewed. If the net yield only looks attractive with zero vacancy and no repairs, the numbers are telling you the property's return depends mostly on appreciation, which is a different bet from steady rental income.
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