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Property Comparison Calculator

Up to three flats, compared on the same terms.

Your inputs

Up to 3 flats
Flat AFlat BFlat CPrice₹ lakh
Carpet areasq ft
Maintenance₹ a month
Property type
all flats
%
Adjust rates and loan
% p.a.
240 months
years
% 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
Lowest price per carpet sq ft
Flat B

₹ 8,261 per carpet sq ft, 3.6% below Flat C.

Per flat: price per carpet sq ft, cash needed and monthly outgo. ✓ marks the lowest.
MeasureABC
₹ per sq ft₹ 9,091₹ 8,261 ✓₹ 8,571
Cash needed₹ 32.60 L₹ 30.97 L₹ 29.34 L ✓
EMI + maint.₹ 70,087₹ 67,332₹ 63,078 ✓
Least cash: Flat C. Lowest monthly outgo: Flat C.

Quick answer: Compare flats on price per carpet sq ft, the cash you need up front and the monthly outgo. In the example, the ₹ 95 L flat with 1,150 sq ft costs ₹ 8,261 per carpet sq ft, less than the ₹ 90 L flat with 1,050 sq ft at ₹ 8,571, though the ₹ 90 L flat needs the least cash.

The flats side by side

Updates as you type
Same down payment, rate and tenure for every flat, so the numbers compare like for like.
ItemFlat AFlat BFlat C
Price₹ 1,00,00,000₹ 95,00,000₹ 90,00,000
Carpet area1,100 sq ft1,150 sq ft1,050 sq ft
Price per carpet sq ft₹ 9,091₹ 8,261₹ 8,571
Stamp duty, cess, surcharge and registration₹ 7,60,000₹ 7,22,000₹ 6,84,000
All-in cost per carpet sq ft₹ 9,782₹ 8,889₹ 9,223
Home loan (within RBI limits)₹ 75,00,000₹ 71,25,000₹ 67,50,000
Cash needed (down payment + charges)₹ 32,60,000₹ 30,97,000₹ 29,34,000
EMI₹ 65,087₹ 61,832₹ 58,578
Maintenance a month₹ 5,000₹ 5,500₹ 4,500
EMI + maintenance a month₹ 70,087₹ 67,332₹ 63,078

How do you use the property comparison calculator?

  1. Enter the price in lakh, the carpet area and the monthly maintenance for two or three flats. Leave Flat C blank to compare two.
  2. Pick the property type and set the down payment. The same loan terms apply to every flat, and each loan stays within RBI limits.
  3. Read which flat costs least per carpet sq ft, and which needs the least cash and the lowest monthly outgo. The table below shows every figure.

Why compare on carpet area, not the quoted price?

Carpet area is the usable floor area inside the walls, and RERA requires builders to sell by it. Two flats at a similar price can differ by 100 sq ft or more of usable space. Dividing the price by carpet area shows what each sq ft you can use actually costs. If a quote is on super built-up area, ask for the carpet area in writing before you compare.

How each figure is worked out

1
Price per carpet sq ftPrice ÷ carpet area
2
Government chargesStamp duty + 10% cess + 2% surcharge on the duty + 2% registration
3
Cash neededDown payment (price − loan within RBI limits) + government charges
4
Monthly outgoEMI on the loan + maintenance

Worked example: three flats around ₹ 1 Cr

Flat A is ₹ 1 Cr for 1,100 sq ft, Flat B ₹ 95 L for 1,150 sq ft and Flat C ₹ 90 L for 1,050 sq ft. Per carpet sq ft that is ₹ 9,091, ₹ 8,261 and ₹ 8,571, so B gives the most space for the money even though C has the lowest price.

With 25% down at 8.5% for 20 years, C needs the least cash (₹ 29,34,000) and has the lowest monthly outgo (₹ 63,078 with maintenance). B costs ₹ 1,63,000 more up front and ₹ 4,254 more a month, for 100 sq ft more carpet area.

Worked example: the ₹ 45 L first-sale step

For the first sale of a flat, stamp duty is 3% up to ₹ 45 L and 5% above it. A ₹ 45 L flat pays ₹ 2,41,200 in government charges; a ₹ 46 L flat pays ₹ 3,49,600. The extra ₹ 1 L of price costs ₹ 1,08,400 more in charges, so cash needed rises by ₹ 1,28,400 with 20% down.

What stamp duty and registration 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 comparison leave out?

Frequently asked questions

Compare them on the same terms: price per carpet sq ft, the cash you need up front including stamp duty and registration, and the monthly outgo of EMI plus maintenance. Then check the builder, title and quality separately, because the numbers say nothing about those.

It is the fairest single number for the space you can use, since carpet area excludes walls, lobbies and shared areas. It is not the whole picture. A flat that costs more per sq ft can still suit you better if it needs less cash or sits in a better location.

Carpet area is the usable floor area inside the flat’s walls. Super built-up area adds the walls and a share of lobbies, lifts and other common areas. RERA requires sale by carpet area, so ask for it in writing when a quote uses super built-up area.

The lowest price can come with less carpet area, so each usable sq ft costs more. In the example, Flat C has the lowest price, but Flat B gives 100 sq ft more for ₹ 5 L more, which works out cheaper per sq ft. The calculator shows both views.

Yes. It adds 5% stamp duty, cess and surcharge on the duty, and 2% registration to each flat, using the lower first-sale rates for flats up to ₹ 45 L when you pick that type. Rates were verified on 18 Oct 2026; confirm on Kaveri Online before registering.

You can, but add GST to the under-construction price first, since it applies there and not to a ready flat with an occupancy certificate. For the full picture, including rent while you wait, use the ready-to-move vs under-construction calculator on this site.

Sources

Indicative figures from the numbers you enter, not advice to buy any property. For tax questions, please verify with your Chartered Accountant before acting. For documents and title, please consult a property lawyer before acting.

Comparing shortlisted flats in Bengaluru? Talk to an acre&key advisor.

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