UNDERSTAND BEFORE YOU INVEST
A property story
needs the numbers.
Start with your holding period, cash flow and exit options. Then evaluate a specific property’s title, approvals, demand, supply, rent and total ownership costs.
Neither a well-known developer nor a growing city guarantees a profitable investment. Borrowing magnifies both outcomes and repayment pressure.
Discuss your investment brief ↗2018–2026 · EIGHT YEARS OF CHANGE
Mohali · a historical lens
One city. Eight years. A remarkable shift in property values.
Plots
Average price / sq ydFlats
Average price / sq ftAcres To Yards estimates: supplied average prices for the top 10 areas/projects of Mohali. The underlying sample, selection criteria and transaction records have not been independently verified.
Comparison uses the supplied 2018 and 2026 averages over eight years, not annual observations or returns on the same property. Growth excludes rent, taxes, transaction costs and financing. Past growth does not guarantee future returns.
The power of an eight-year perspective
From ₹30,000 to ₹2 lakh per sq yd for plots, and ₹3,000 to ₹12,000 per sq ft for flats: the supplied averages show how significantly Mohali’s price landscape changed between 2018 and 2026. Plots reached 6.67 times their starting price and flats reached four times theirs.
For buyers and investors, this is a starting point for exploring Mohali—not a forecast. Compare today’s entry price, the exact location, approvals, demand and total costs. Different property mixes can change averages; these figures do not establish an individual owner’s realised return or a New Chandigarh growth rate.
Look beyond headline appreciation
A hypothetical ₹1 crore purchase sold for ₹1.40 crore after five years produces 40% headline appreciation, or about 6.96% annualised price growth before costs. With ₹7 lakh buying expenses and ₹3 lakh selling expenses, the simplified annualised result is about 5.07%, before rent, financing, upkeep and tax.
Gross yield, net yield, CAGR, IRR and cash-on-cash return answer different questions. Use dated cash flows for staged payments and compare like with like.
EARLY-STAGE INVESTING
“Pre-launch” is a label.
Not a legal safeguard.
For projects that require registration, RERA registration comes before advertising, marketing, booking or offering units for sale. An EOI or refundable cheque does not replace compliance.
- Establish the legal offer
Identify the land, legal promoter, applicable approvals and exact registered phase. Check exemptions rather than assuming them.
- Understand the payment
Read allocation, refund, cancellation and escalation terms. Subject to the Act, the promoter cannot take more than 10% of the property cost before the written, registered agreement for sale.
- Stress-test the holding period
Plan for delayed possession, slower resale, finance costs, transfer restrictions and a cash buffer. Do not depend on a guaranteed exit or assured appreciation.
TURN QUESTIONS INTO NUMBERS
A little planning.
A lot more clarity.
Illustrative fixed-rate, monthly reducing-balance calculation. The default rate is an example, not a lender offer. Excludes fees, insurance and rate changes.
- Total interest
- ₹81,20,818
- Total repayment
- ₹1,56,20,818
Educational information, not personalised financial, tax or legal advice. Obtain qualified independent advice and current official records before committing funds.
CHOOSE THE CALCULATION YOU NEED
What can each tool tell you?
Start with your own figures, then check the assumptions against the property and transaction.
EMI planner
Estimate monthly repayments and total interest from the loan amount, annual interest rate and tenure you enter. Uses a fixed-rate monthly reducing balance; excludes fees, insurance and rate changes.
Open EMI planner ↗All-in budget
Add the property price, seller extras, duties, taxes and other costs from your own itemised quotations. No government duty or tax rate is assumed.
Open All-in budget ↗Area converter
Convert between the displayed square feet, square yards, square metres and acre units. Local marla, kanal and bigha conventions need the definition in your property records.
Open Area converter ↗Investment Growth & ROI
Explore hypothetical growth using your chosen annual rates, holding period, costs and rent. Results are scenarios rather than forecasts or promised returns.
Open Investment Growth & ROI ↗Actual Price per Usable Sq Ft.
Compare your entered purchase cost with the carpet area and optional outdoor area you choose to include. The area basis is explicit; the result is not a certified valuation.
Open Actual Price per Usable Sq Ft. ↗Punjab Registry Cost Calculator
Estimate Punjab registry costs using the consideration, assessed value and duty, levy and registration inputs shown in the calculator. Confirm current rates, eligibility and the applicable valuation with the registering authority.
Open Punjab Registry Cost Calculator ↗Total House Cost Calculator
Plan purchase or construction costs using your entered area, construction rate, charges, interiors, finance and reserve assumptions. It is a budget estimate, not a contractor quotation or building approval.
Open Total House Cost Calculator ↗Loan Repayment Savings Calculator
Compare the repayment schedules produced by your loan and prepayment assumptions. Check lender charges and terms before making a payment decision.
Open Loan Repayment Savings Calculator ↗Home Affordability Calculator
Estimate an affordable price range from your income, expenses, existing debt, cash, reserves and loan assumptions. The result is not a lender approval or borrowing recommendation.
Open Home Affordability Calculator ↗Choose the property calculation you needExplore EMI, total purchase budget, area conversion and investment tools.
How do I estimate a home-loan EMI?
Open the EMI planner and enter the loan amount, annual interest rate and tenure. Its monthly reducing-balance result is an illustration. The example rate is not a lender offer, and fees, insurance and future rate changes are excluded.
How do I build an all-in property budget?
Enter the base price, seller or builder extras, duties and applicable taxes, and your other acquisition costs in the All-in budget tool. Use a dated quotation for each amount. A zero field means no amount entered, not an exemption; ongoing maintenance is separate.
Can area conversion compare carpet and super area?
The converter changes measurement units, such as square yards to square feet. It cannot turn carpet area into super area: those describe different parts of a property. Use the documented area basis as well as the same unit when comparing homes.
What do investment calculations tell me?
The investment tools show the result of the assumptions you enter. Review the holding period, timing of payments and costs included in each scenario. A calculated return is not a forecast or a guarantee of resale, rent or appreciation.