Buying: home value after appreciation minus remaining loan. Renting: the down payment plus about 7% purchase costs (stamp duty, registration) invested, plus each month’s EMI minus rent invested. Maintenance and tax benefits are not included.
FAQ
Is renting better than buying in India?
In big cities with rental yields of 2–3%, renting and investing often wins over 10–15 years; it depends on appreciation and returns.
Sources (checked 6 Nov 2026): Standard EMI and compounding formulas.