Property Appreciation Calculator India — FY 2025-26

NHB Residex data shows that Indian residential property prices have appreciated at roughly 6–10% CAGR over 10–15 year periods in major cities, with significant variation. Mumbai and Delhi NCR have been slower post-2015. Bengaluru, Hyderabad, and Pune have outperformed.

Infrastructure development (metro lines, new highways, IT corridors) is the single biggest driver. A property that was on the periphery in 2010 but is now metro-connected can have appreciated 3–5x. Conversely, premium established areas often appreciate slower because they're already priced for convenience.

Yes — rental yield is a real return component. Gross rental yield in India averages 2–3.5% of property value annually. But net rental yield after vacancy (5–10%), property tax, maintenance, and broker fees is typically 1.5–2.5%. This is modest but adds up over 10+ years.

Indian real estate historically had significant cash components in transactions, which distorted official prices and made market data unreliable. RERA (Real Estate Regulatory Authority) has improved transparency, but some markets still have discrepancies between registered value and actual transaction price.

Real estate appears less volatile because prices aren't marked to market daily. But actual transaction prices during crises (2008, 2013–2017 in India) show significant declines. The illiquidity that makes it seem stable also means you can't easily exit — which is itself a risk.