How do you use the rental yield calculator?
- Enter the purchase price and the monthly rent you expect to get.
- Add the yearly costs you pay as the owner, such as maintenance and property tax, from your own bills or the society’s figures.
- Allow for empty months between tenants, if any.
- Set the net yield you are aiming for, to see the rent you would need.
- Stamp duty, cess, surcharge and registration are added at 7.6% of the price; open “Adjust rates” to change any of them.
How is rental yield calculated?
Rental yield is a year’s rent as a percentage of what the property cost. Gross yield uses the full rent and the price. Net yield first takes off empty months and owner costs, and this calculator also adds stamp duty and registration to the cost, because that cash is spent when you buy.
Formulas used by the calculator
Gross yield % = Monthly rent × 12 ÷ Price × 100Net rent = Monthly rent × (12 − empty months) − Yearly owner costsNet yield % = Net rent ÷ (Price + Stamp duty & registration) × 100Monthly rent = (Total cost × Target % + Yearly owner costs) ÷ (12 − empty months)Worked example: ₹ 1.00 Cr flat let at ₹ 30,000 a month
Twelve months’ rent is ₹ 3,60,000, so the gross yield is 3.60%. Say the flat is empty for one month and you pay ₹ 48,000 a year in owner costs. Net rent is ₹ 30,000 × 11 − ₹ 48,000 = ₹ 2,82,000. Stamp duty and registration at 7.6% add ₹ 7,60,000, so the total cost is ₹ 1,07,60,000.
The net yield on total cost is ₹ 2,82,000 ÷ ₹ 1,07,60,000 = 2.62%, against 2.82% if you divide by the price alone. To earn a 4% net yield with the same costs and one empty month, the rent would need to be about ₹ 43,491 a month.
What gross yield do different rents give?
| Price | ₹ 20,000 rent | ₹ 30,000 rent | ₹ 40,000 rent | ₹ 50,000 rent |
|---|---|---|---|---|
| ₹ 50.00 L | 4.80% | 7.20% | 9.60% | 12.00% |
| ₹ 75.00 L | 3.20% | 4.80% | 6.40% | 8.00% |
| ₹ 1.00 Cr | 2.40% | 3.60% | 4.80% | 6.00% |
| ₹ 1.50 Cr | 1.60% | 2.40% | 3.20% | 4.00% |
| ₹ 2.00 Cr | 1.20% | 1.80% | 2.40% | 3.00% |
What does the yield tell you?
Net yield is the income return on your money, before any change in the property’s price. Compare it with the interest a deposit or the loan would cost you. If the net yield is below your loan rate, the rent will not cover the interest and the investment depends on the price rising.
To see the whole picture, including the loan and the eventual sale, use the property investment ROI calculator. For a quick check on growth, try the property appreciation 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. If you buy an under-construction flat, GST of 5% (1% for affordable homes, per the CBIC real estate FAQ) is also part of your cost; add it to the percentage under the toggle.
What does this calculator leave out?
- Income tax on rent. Yields here are before tax; ask your CA.
- Loan interest. Use the ROI calculator if you are borrowing.
- Rent rises and price growth. Yield is a one-year snapshot.
- Brokerage for finding tenants and interiors, unless you include them in owner costs.
Frequently asked questions
Related answers and guides
- Rental Agreement Karnataka: Stamp Duty, Registration, Police
- Rent vs Buy Bangalore: How to Work It Out for Your Flat
- Rental Yield in Bengaluru by Area: 2026 Investor Data
- Stamp Duty and Registration Charges in Bangalore 2026
Sources
- Stamp duty 5% (Schedule Art. 20(1)), first-sale flat slabs (Art. 20(2A)) and 10% cess (s.3B): Karnataka Stamp Act 1957, consolidated copy (DPAL); ₹ 35–45 L slab: Karnataka Stamp (Amendment) Act 2021.
- 2% surcharge on duty in the Greater Bengaluru Area: Greater Bengaluru Governance Act 2024, s.170.
- Registration fee 2%: IGR Karnataka, Table of Registration Fees (Notification RD/46/MNMU/2025) and IGR press note, 29 Aug 2025.
- Rates verified 18 Oct 2026 · confirm on Kaveri Online before registering.
- GST 5% / 1%: CBIC real estate FAQ.
Results are indicative and depend on the rent and costs you enter. Indicative only. Please verify with your Chartered Accountant before acting.
Comparing rental options in Bengaluru? Talk to an acre&key advisor.