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S.no Learnings Investment type

1 Rent Over Buying House value
2 Index Fund Over Large Cap Monthly SIP
3 Equity Saver Funds vs Debt Monthly SIP
4 Optimising FD Returns Annual Deposit
5 SGBs vs Gold Annual Deposit
6 Normal Term vs Limited Pay NA
7 New Tax Savings Hack House value
8
9
10

Name:
 Err:502
over next 20 years

Amount Amount Saved

₹ - Err:502
₹ - ₹0
₹ - ₹0
₹ - ₹0
₹ - ₹0
₹ - ₹ 5,640,802
₹ - ₹0

Full Name
 Input cells
Formula cells (you cannot edit)

Tax slab 30%

Fill Loan Related Information

Flat cost ₹0
Interiors cost (10-12% of flat cost) ₹0
Down payment % 20%
Annual interest rate 9.0%
Loan period in years 20
Number of applicants for home loan 2

Buy
SI. No. Details INR
a Flat cost ₹0
b Down payment ₹0
c Loan ₹0
d EMI ₹0
e Total interest paid Err:502
f Total payment done on loan (c + e) Err:502
g Total payment done on flat (b+f) Err:502
h Maintenance cost over the years ₹0
i Total cost of home ownership (g+h) Err:502
j Property value after home loan is paid off ₹0
k Invested tax savings after loan ends ₹0
l Invested rent savings (when rent > EMI) ₹0
m Total liquid investment ₹0
n Total Profit (Owning a house) Err:502
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Rental and property assumption

Annual increase in rent 5%
Property appreciation % 7%
Property Maintenance appreciation % 5%
Rental Yield 3.0%
Property Maintenance Cost 0.6%

Rent
Sl. No. Details INR
a Current Rent paid -
b Maintenance -
c Total rental expense ₹0
d Total rent paid during loan tenure -
e Invested down payment after loan ends -
f Invested EMI savings (when EMI > rent) -
g Invested HRA tax savings -
h Total savings (e+f+g) -
i Total Profit (h-d) -
 Source

Investment assumptions
Investment returns 12.0% Source

Applicability of Section 80C

Section 80 C Limit 300,000
Utilized in other amounts 100,000
Available amount 200,000

Which is better after loan ends?

Item Purchased home early (INR Crores) Rent (INR Crores)
Property 0.0 -
Liquid assets 0.0 0.0
Cost Err:502 0.0
Total Err:502 0.0

10 years later loan ends

Item Purchased home early (INR Crores) Rent
Property 0.0 -
Liquid assets 0.0 0.0
Rent paid - 0.0
Total 0.0 0.0
er loan ends?
Verdict (INR Crores)
-
-

Err:502

oan ends
Verdict (INR Crores)
-
-
-
Buying a house is better by 0 Crores