City & Location
Mathura, UP
Custom land rate (₹ per sq yard)
Override for your specific area
₹500₹1.5L/yd
Land & Plot Size
Plot area (sq ft)
Enter your plot size
300 sqft20,000 sqft
Sq Yards
167 sq yd
Acres
0.034
Sq Meters
139 m²
Floors & Structure
G+2
Building preview
BHK & Room Config
3 BHK
Number of Bedrooms
1 BHK8 BHK
Bathrooms
1
2
3
4+
Parking
None
Covered
Basement
Balcony
1
2
None
Construction Quality
🧱
Budget
₹900–1,300
🏠
Economy
₹1,300–1,700
🏡
Standard
₹1,700–2,200
🏛️
Premium
₹2,200–3,000
Fine-tune construction rate (₹/sq ft)
₹800 (budget)₹5,000 (ultra luxury)
Finishing & Interiors
Interior finishing level
Mid-rangeBasic
Mid-range
High-end
Luxury
Flooring type
Marble
Vitrified
Ceramic
Wood
Granite
Window type
Aluminum
uPVC
Wooden
Steel
Door quality
Flush
Solid wood
Panel
Designer
Add-ons & Features
+ ₹0
Hidden & Site Costs
GST on materials
—
18% on cement, steel etc. (already in your ₹/sqft rate)
Architect fees
—
3–5% of construction cost
Stamp duty + reg.
—
~6–8% of land value
Contingency (10%)
—
Unexpected cost buffer
Total estimated project cost
₹0
Range: ₹0 – ₹0
Land
—
Construction
—
Finishing
—
Add-ons
—
Cost Breakdown
EMI Calculator
Loan coverage
10%90%
Interest rate (p.a.)
5%18%
Loan tenure
5 yrs30 yrs
Monthly EMI
—
on ₹0 loan amount
Principal
—
Total interest
—
Rental Potential
Monthly Rent
—
Annual Yield
—
💡 Full rental analysis with projections available in the Rental Income tab.
Projected Monthly Rental Income
₹0
0% gross annual yield on total investment
📈 ROI in — years
Rental Configuration
Rental strategy
How do you plan to rent your property?
Rent entire home
Upper floors only
PG / Hostel
Commercial + Residential
Short-term / Airbnb
Rentable area (sq ft)
20010,000 sqft
Expected rent (₹ per sq ft per month)
₹5₹200
Occupancy rate
Assume some months vacant
50%100%
Annual rent appreciation
0%15% / yr
Number of rental units
1 unit10 units
Rental Scenarios
Rental Expenses & Deductions
Property maintenance / year
₹10K₹5L
Property tax / year
₹2K₹2L
Key Rental Metrics
—
Monthly Rental Income
—
Annual Rental Income
—
Gross Annual Yield
—
Net Annual Yield (after expenses)
—
Break-even / ROI Period
—
EMI Coverage from rent
10-Year Rental Projection
💡 Tax tip: Rental income from property is taxed under "Income from House Property" with a standard 30% deduction on NAV. Home loan interest is also fully deductible. Consult a CA for optimal tax planning.
City Rental Benchmark
Multi-Bank EMI Comparison
Amortisation Summary
Year-by-Year Amortisation
Principal
Interest
Smart Loan Tips
Construction Timeline & Phases
Monsoon warning: June–September slows construction by 20–30%. Plan your start date in October–November for smooth progress. Avoid casting slabs during heavy rain.
Cost disbursement tip: Release funds in stages matching construction milestones. Never pay more than 20–30% upfront to any contractor. Retain 5–10% until handover.
Vastu Shastra Guidelines
Main entrance — North or East
The main door should ideally face North or East to attract positive energy and prosperity. Avoid South-facing main doors.
Kitchen — South-East corner (Agni)
The fire element is strongest in the SE corner. Cook facing East for health and happiness. Avoid kitchen in North-East.
Master bedroom — South-West
South-West is the zone of stability and strength. Sleep with head pointing South or East. Never sleep with feet facing South.
Pooja room — North-East (Ishaan)
The most sacred corner. Keep it clean, airy, and clutter-free. Use yellow or white for walls. Never place heavy objects here.
Bathrooms — North-West or West
Best in NW. Avoid NE and SW bathrooms. Toilet seat should face North or South, never East (inauspicious) or West.
Water — North-East underground, SW overhead
Underground sump in NE, overhead tank in SW or South at the highest point. Never place tanks in the center (Brahmasthan).
Garden — North or East sides
Keep open spaces, garden, and greenery on North and East. Avoid tall trees blocking North or East sunlight.
Staircase — South or West, clockwise
Stairs going clockwise. South or West placement preferred. Never in the center of the house (Brahmasthan).
Store / utility — North-West
Storage rooms, utility areas, and servant quarters do best in the North-West. Keep this area clutter-controlled.
Electrical & fire — South-East
Electrical panels, generators, UPS, and inverters belong in the South-East (fire zone). Avoid NE for any electrical equipment.
More windows on North & East
Maximum openings on North and East for natural light and positive energy. South and West walls should have fewer, smaller windows.
Color recommendations by room
Living room: yellow/white. Master bed: blue/green. Pooja: yellow/white. Kitchen: orange/red. Avoid black in bedrooms.
Complete Home-Building Checklist
0 / 0 done
City-wise Cost Comparison
Based on your current plot size (1,500 sq ft) and quality level, here's how costs vary across major Indian cities:
Construction Quality Comparison
Floor Configuration Comparison
Structural Materials
Based on your floor selection
Finishing Materials
Electrical & Plumbing
Material Cost Summary
Total material cost
—
~55–60% of construction cost
Market rate adjusters
Cement price (₹/bag 50kg)
₹280₹600
Steel price (₹/kg TMT)
₹50₹120
Brick price (₹ per 1000)
₹4K₹18K
Sand price (₹/cubic ft)
₹20₹120
Buying tip: Order cement in bulk (200+ bags) for a 5–8% discount. Buy steel directly from dealer with ISI certification, not through contractor.
ROI Assumptions
Property appreciation (% / yr)
1%20%
FD / debt returns (% / yr)
4%12%
Mutual fund returns (% / yr)
6%20%
Gold returns (% / yr)
3%15%
10-Year Wealth Comparison
If you invested the same amount (total project cost) in different asset classes vs building this house:
⚠️ Property values include rental income reinvested. MF/FD figures are pre-tax. Real estate also has lower liquidity. This is for educational purposes only — consult a financial advisor.
Year-by-Year Projection
Investment Scorecard
Self-use vs. rent break-even
Key insight: Real estate's true advantage is leverage — you borrow 80% at ~8.5% but earn appreciation on 100% of the asset value. No other asset class allows this safely.
Emotional ROI: Owning your home provides stability, rent-free living (₹— saved over 10 yrs), and a legacy asset that cannot be quantified purely financially.