Buying
Renting
Assumptions Show
What the renter earns on money not spent on the home, after tax.
Paid by the owner; rises with the rent increase.
Stamp duty, registration and GST if any.
After 20 years
–
- Net worth if you buy
- ₹0
- Net worth if you rent
- ₹0
- Buying pulls ahead in
- –
- Monthly EMI
- ₹0
- Home value then
- ₹0
- Rent then
- ₹0
Net worth over time
Show year-by-year table
This is an indicative estimate. Final eligibility is subject to lender assessment. Default rate is LIC HFL’s current starting rate (7.40%, updated 31 October 2026); your rate depends on your CIBIL score and LIC HFL’s credit policy. Figures are rounded. Your inputs stay on your device unless you send us your name and mobile number.
Renting looks cheaper month to month, but buying builds an asset. The fair comparison is what you own at the end: the buyer has a home (minus any loan left); the renter has whatever they invested instead of paying a down payment and EMIs.
How the comparison works
- The buyer pays the down payment and purchase costs upfront, then the EMI and maintenance each month
- The renter invests the same upfront amount, pays rent, and invests whatever they save each month compared with the buyer
- If rent ever costs more than owning, the buyer invests the difference instead
- Net worth = home value − loan outstanding + investments (buyer) vs investments (renter)
The answer depends heavily on how fast property prices and rents grow and what your investments earn. Try a few scenarios. Tax benefits on the home loan and selling costs are not included.
Frequently asked questions
Use a conservative long-term figure. Past growth in your area is a guide, not a promise — try a lower and a higher figure to see how sensitive the result is.
Buying has large upfront costs (stamp duty, registration) and early EMIs are mostly interest. Over longer periods, rising rents and property values usually favour buying.
No. Home loan tax deductions can make buying more attractive, depending on your tax regime. Ask your tax adviser.
Turn this estimate into a sanction
Leave your name and mobile number and Vijay Arjun will call you back with your actual eligibility, the best-fit LIC HFL scheme and the documents you need. Authorised LIC HFL DSA since 2002.