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Property Appreciation Calculator (Bengaluru, 2026)

What a property could be worth, or how fast it grew.

Your inputs

Price and growth
Work out
Property type
₹ 1.00 Cr
years
assumption
%
Adjust rates
% of value
% of value
% duty
% duty
% of duty
% of duty

Rates verified 18 Oct 2026 · confirm on Kaveri Online before registering. First-sale slabs apply to flats and apartments only. Surcharge is the Greater Bengaluru Area rate.

Your result

Indicative
Value after 10 years at 6% a year
₹ 1.79 Cr

Up ₹ 79.08 L (79.1%) on the ₹ 1.00 Cr price.

₹ 79.08 L
Gain (79.1%)
₹ 71.48 L
Gain after costs
5.23%
Yearly, after costs
₹ 7.60 L
Buying costs (7.60%)
At 6% a year, it takes 1.3 years just to recover stamp duty and registration.

Quick answer: Property appreciation compounds: future value = price × (1 + yearly growth)^years. At 6% a year, a ₹ 1 crore Bengaluru flat would be worth ₹ 1.79 Cr after 10 years. After 7.6% stamp duty and registration, the growth on what you paid is 5.23% a year.

How the growth is worked out

Updates as you type
Price, buying costs and value for the inputs above.
ItemAmount
Purchase price₹ 1,00,00,000
Stamp duty, cess, surcharge and registration₹ 7,60,000
Total cost₹ 1,07,60,000
Value at the end₹ 1,79,08,477
Gain on price₹ 79,08,477
Gain after buying costs₹ 71,48,477
Yearly growth on price (CAGR)6.00%
Yearly growth on total cost5.23%
Years to recover buying costs1.3 years

How do you use the property appreciation calculator?

  1. Choose Future value to project a price forward, or Growth rate to find the yearly growth between two values.
  2. Enter the purchase price and the number of years.
  3. For a projection, enter the growth you want to test. It is your assumption, not a forecast.
  4. For a growth rate, enter what the property is worth now, or what it sold for.
  5. Pick resale or first-sale flat so the calculator can add the right stamp duty and registration.

How is property appreciation calculated?

Property values compound: each year’s growth builds on the last. So the calculator uses compound annual growth (CAGR), the same measure used for most investments.

Formulas used by the calculator

1
Future valueFuture value = Price × (1 + growth %)^years
2
Growth rate (CAGR)CAGR % = ((Value now ÷ Price)^(1 ÷ years) − 1) × 100
3
Growth on what you paidSame formula, with Price + stamp duty + cess + surcharge + registration
4
Years to recover buying costsYears = ln(Total cost ÷ Price) ÷ ln(1 + growth %)

Worked example: ₹ 50 L to ₹ 1 Cr in 10 years

A resale flat bought for ₹ 50,00,000 is worth ₹ 1,00,00,000 ten years later. The value has doubled (a gain of ₹ 50,00,000), and the yearly growth is (2)^(1/10) − 1 = 7.18%.

Stamp duty, cess, surcharge and registration at 7.6% added ₹ 3,80,000 when you bought, so the flat really cost ₹ 53,80,000. On that figure the yearly growth is 6.40%, and the gain is ₹ 46,20,000 rather than ₹ 50,00,000.

What would ₹ 1 crore be worth at different growth rates?

Value of a ₹ 1.00 Cr property after 5, 10, 15 and 20 years at a steady yearly growth. Arithmetic only, not a forecast.
Growth5 years10 years15 years20 years
3% a year₹ 1.16 Cr₹ 1.34 Cr₹ 1.56 Cr₹ 1.81 Cr
5% a year₹ 1.28 Cr₹ 1.63 Cr₹ 2.08 Cr₹ 2.65 Cr
7% a year₹ 1.40 Cr₹ 1.97 Cr₹ 2.76 Cr₹ 3.87 Cr
9% a year₹ 1.54 Cr₹ 2.37 Cr₹ 3.64 Cr₹ 5.60 Cr

Total gain or yearly growth: which should you look at?

Total gain shows how much the value has moved. It always looks bigger the longer you hold. Yearly growth (CAGR) lets you compare holdings of different lengths, and compare a property with a fixed deposit or a fund.

Price growth is only part of the return. Rent, loan interest, maintenance and selling costs change the picture. The property investment ROI calculator adds all of them. For rent alone, use the rental yield calculator.

Which buying costs apply in Bengaluru?

On a sale deed in Bengaluru, Karnataka charges 5% stamp duty on the market value (Karnataka Stamp Act, Schedule Art. 20(1)), a 10% cess on the duty (s.3B) and, inside the Greater Bengaluru Area, a 2% surcharge on the duty (Greater Bengaluru Governance Act 2024, s.170). The registration fee is 2% (IGR notification of 29 Aug 2025, in force from 31 Aug 2025). Together that is 7.6% of the value. The first sale of a flat pays less duty: 2% up to ₹ 20 L and 3% above ₹ 20 L up to ₹ 45 L, so the total is 4.24% or 5.36%. Resale flats, plots and houses pay 5% at any price. Rates verified 18 Oct 2026 · confirm on Kaveri Online before registering.

What does this calculator leave out?

Frequently asked questions

Property appreciation is worked out with compound growth. Future value is the price × (1 + yearly growth)^years. To find the growth rate, divide today’s value by the price, raise it to the power 1 ÷ years and subtract 1. This calculator also works out the growth on the price plus stamp duty and registration.

CAGR in real estate is the steady yearly growth that takes a property from its purchase price to its current or sale value. A flat that doubles in 10 years has a CAGR of 7.18%. CAGR lets you compare holdings of different lengths and compare property with other investments.

A ₹ 1 crore flat would be worth about ₹ 1.63 Cr in 10 years at 5% yearly growth, or ₹ 1.97 Cr at 7%. These are arithmetic, not forecasts; actual prices depend on the location, the building and the market. Enter your own growth assumption to test other cases.

Including stamp duty and registration shows the growth on the money you actually spent. In Bengaluru these charges are 7.6% of the value on a resale flat, so a flat has to rise 7.6% before you break even. At 6% yearly growth that takes about 1.3 years.

The gain on selling a flat is a capital gain and is taxable. The rate and any exemptions depend on how long you held it and how you reinvest. This calculator shows the gain before tax. Indicative only. Please verify with your Chartered Accountant before acting.

The first sale of a flat in Bengaluru pays 2% stamp duty up to ₹ 20 lakh and 3% above ₹ 20 lakh up to ₹ 45 lakh. With the 10% cess, the 2% surcharge and the 2% registration fee, the total is 4.24% or 5.36%. Resale flats pay 5% duty, 7.6% in all.

Sources

Results are indicative and depend on the growth you enter. Past growth does not tell you future growth. Indicative only. Please verify with your Chartered Accountant before acting.

Weighing up a purchase in Bengaluru? Talk to an acre&key advisor.

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