Property Details
₹
Fifty Lakh
%
%
years
% / yr
Invest Instead
₹
Fifteen Thousand
What you'd pay if renting instead
% / yr
Buy Property
₹1,39,73,683
Property Value₹2,33,04,786
Total Cost (EMI + Down)₹93,31,103
Monthly EMI₹34,713
Invest Instead
₹2,00,11,376
Investment Value₹2,93,42,496
Total Cost (Rent + SIP)₹93,31,120
Monthly Outflow₹34,713
Insights
- ›Investing wins — generates ₹60.38 L more wealth over 20 years
- ›If equity returns drop below 9%, buying may become the better option
- ›Over 20 years, time horizon is the biggest driver of this comparison
Verdict
Investing comes out ahead by ₹60,37,693
Over 20 years, investing in SIP while renting generates better net returns.