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 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.