Rental Yield & ROI Calculator
Gross yield flatters a property. This works out net yield after maintenance, property tax, repairs and vacancy — plus cash-on-cash return if the buy is leveraged.
Rental Yield & ROI Calculator
Gross yield flatters. Net yield after costs is the number an investor should decide on.
The property
₹
₹10 L₹80.0 L₹5 Cr
₹
Annual running costs
₹
₹
₹
If bought on loan
₹
%
yrs
Net rental yield
2.56%
₹2,04,600 a year after costs
Gross annual rent₹3,00,000
Less vacancy−₹12,510
Less maintenance−₹36,000
Less property tax−₹12,000
Less repairs−₹15,000
Net operating income₹2,24,490
Yields
Gross yield3.75%
Net yield2.81%
With the loan
Annual EMI outgo₹6,24,809
Cash you put in₹20,00,000
Annual cash flow−₹4,00,319
Cash-on-cash return−20.0%
Yield alone doesn’t decide a purchase — capital appreciation usually dominates returns on Indian residential property. Rental income is taxable at slab rate after the 30% standard deduction under Section 24.
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