One day · one number
Down Payment Calculator
Home-loan marketing is organised around the instalment, because the instalment is the small number. This is the one that actually stops purchases: the cash that has to exist, in an account, before the loan starts.
Cash needed before the loan starts
₹13,00,000
on this plan, by Mar 2027
₹10,00,000 of down payment plus an estimated ₹3,00,000 of stamp duty and registration. Against savings of ₹10,00,000, you are ₹3,00,000 short — 6 months at ₹50,000 a month.
What has to exist on the day
Drawn to scale from your own figures. The line across it is your savings.
- Registration (estimate)
- ₹50,000
- Stamp duty (estimate)
- ₹2.50 L
- Down payment
- ₹10.00 L
- Savings gap
- ₹3.00 L
- Your savings
- ₹10.00 L
Savings gap
₹3,00,000
You need ₹13,00,000 in hand and have ₹10,00,000. Closing that gap means saving more, agreeing a lower price, raising the loan share if your lender allows it, or waiting — and the runway below turns the last two into a month.
- Loan amount
- ₹40,00,00080% of the price — subject to your lender's own valuation.
- Monthly EMI
- ₹35,34820 years at 8.75% p.a. Total interest ₹44.84 L.
Your purchase
Every value is editable, including the duty rates. None of them is a quoted rate or a verified charge for your transaction.
Use the agreed price on your allotment or sale agreement.
Your own contribution. Lenders commonly expect a meaningful share and will lend against their valuation, not your price.
Editable default, not a rate we are quoting. Use the figure on your own sanction letter.
What you can actually put in, after keeping an emergency reserve you are not willing to spend.
Placeholder. What you can genuinely add every month — this, and nothing else, is what sets the date. Nothing is assumed to be earned on it.
Duty rates — estimate only
Prefilled at 5% and 1%, the figures commonly cited for Karnataka. We have not verified them against a current notification for your value slab, your state or your buyer category, and cess or surcharge may apply on top. Treat them as a placeholder and replace them with what the sub-registrar’s office confirms.
Indicative calculation, not financial advice, not a credit offer and not a statement of the duty you owe. Actual figures depend on your lender and on the sub-registrar.
When the money exists
A shortfall is not a verdict, it is a date you have not worked out yet. This is the same ₹13,00,000 as above, approached from today at the rate you set aside. Your savings already cover the down payment on its own — which is the milestone people mistake for being ready. The duties are what the rest of the line is for.
The two milestones
- Down payment covered
- Already₹10,00,000 — the share of the price the lender will not fund. Reaching it is not the same as being able to complete.
- Duties covered too
- Mar 2027₹13,00,000 — down payment plus an estimated ₹3,00,000 of stamp duty and registration. This is the month you can actually register.
Dates are counted forward in whole months from this one, on the figures in your own fields. They are not a reservation, a price hold or a commitment of any kind — a price agreed today is agreed today, and what a unit costs when you are ready is a question for whoever is selling it then.
The duties are not inside the price
The bar below is the price — the part your lender funds and the part you fund — and then it keeps going. That overshoot is the estimated stamp duty and registration, which sit outside the price entirely and which no home loan funds. It is the single most expensive misunderstanding in an Indian home purchase.
The lender funds
₹40.00 L
subject to its own valuation
You fund
₹10.00 L
the down payment share you chose
Outside the price
₹3.00 L
estimated duties — no lender funds these
How it is worked out
Why the down payment is never the whole down payment
The loan pays for a share of the property. It does not pay the state, the lawyer, the agent or the carpenter — and those bills arrive in the same quarter as the keys.
The arithmetic on this page is deliberately plain. Down payment is the price multiplied by the percentage you chose. The loan is whatever is left. The instalment on that loan is the standard reducing-balance formula — EMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1), with r the annual rate divided by twelve and by a hundred, and n the tenure in months. Stamp duty and registration are each the price multiplied by the rate in their field. The gap is the total of down payment and duties, less what you told us you have saved.
What makes the result surprising is not the formula, it is the composition. On a ₹1 crore purchase at a 20% down payment, the down payment is ₹20 lakh — and the duties, on the rates prefilled here, add roughly another ₹6 lakh of cash that no lender will fund. A buyer who has saved exactly the down payment is thirty percent short of the sum they actually need on the day, and usually discovers this after the booking amount has been paid.
There is a second gap that no calculator can show you. Lenders do not lend against the price you agreed; they lend against the value their own valuer assesses. Where that assessment comes in below the agreed price, the shortfall is added to your down payment rather than to the loan. Ask what the valuation came back at, and ask before you have committed money you cannot get back.
One more thing this page does not do: it does not judge the number. A larger down payment lowers the loan, the instalment and the total interest, and it also empties the reserve that carries you through possession, interiors, deposits and the first year of living somewhere new. Which side of that trade is right is a question for a financial adviser who knows your circumstances, and it is explicitly not one a developer should be answering.
Not funded by your home loan
- Stamp duty and registration. Paid to the state at registration. The single largest item after the down payment itself.
- Legal and technical fees. Title search, valuation and the lender's own verification charges.
- Processing fee. Charged by the lender at sanction, often with GST on top.
- GST, where it applies. On under-construction purchases. Not on a completed property with an occupancy certificate.
- Brokerage. If an agent introduced the property.
- Deposits and connections. Association corpus, maintenance advance, electricity and water connections.
- Interiors. The cost people underestimate most, and the one that arrives when the reserve is thinnest.
Work the instalment in more detail — including the year-by-year split of interest and principal — on the EMI calculator, and test a letting case on the rental yield calculator.
About that estimate
What we can and cannot tell you about stamp duty
Why it is a field, not a constant
Stamp duty is a state tax. The rate depends on the state, on the value slab the property falls into, and in several states on who is buying — some offer a reduced rate to women buyers, some do not. Registration is charged separately, and cess or surcharge is frequently levied on top of both. Rates are revised by notification, sometimes in the middle of a financial year.
A page that printed a fixed percentage would be wrong for some readers on the day it shipped and wrong for everyone eventually — while looking exactly as authoritative as a correct one. So the rate is a field you control, the output says ESTIMATE beside it, and the number is only ever as good as what you put in.
How to get the real figure
- Ask the sub-registrar’s office for the jurisdiction the property sits in. That office registers the document and is the authority on what is payable.
- Ask for the guidance value — duty is generally computed on the higher of the guidance value and the consideration, so the price on your agreement is not automatically the base.
- Ask your lender: most have a standard checklist of registration costs for the states they lend in, and they have no incentive to understate them.
- Ask us for the project’s payment schedule in writing. What is due, when, and to whom is a document, not a conversation — and until it arrives, that planner is how you model it.
SUYUG Infra does not compute, collect or advise on stamp duty. Nothing on this page is a statement of the duty payable on any transaction.
Questions
Down payments, answered
Enough to cover the share of the price your lender will not fund, plus every cost the loan does not touch. Lenders fund a percentage of the value they assess, not of the price you agreed, and they do not fund stamp duty, registration, brokerage or interiors. That gap is the number this page computes.
Because it is one, and we would rather say so. Stamp duty and registration charges are set by the state, vary with the value slab a property falls into, can differ by buyer category in some states, and often carry cess or surcharge on top. The two rate fields on this page are editable starting values, not verified rates for your transaction. The sub-registrar's office that will register your document is the authority on what you owe.
Not necessarily. Lenders lend against their own valuation of the property, and where that valuation is lower than the agreed price, the difference lands on you on top of the down payment. Ask what the valuation came in at before you finalise your cash plan.
Beyond the down payment and the duties: legal and technical verification fees, the lender's processing fee, any GST that applies to an under-construction purchase, brokerage if you used an agent, society or association deposits, utility connections, and interiors. None of these are financed by a home loan and all of them are due in the same few months.
No, deliberately. The runway adds what you have to what you set aside each month and does nothing else with it — no interest, no return, no growth. That is not a claim that savings sit idle; it is the absence of a claim. Any rate in that position would be us inventing a number for your money in the middle of your own plan. If you expect a return, raise the monthly figure to reflect it and the date will move.
That depends on what else the money would do, and it is a question for a financial adviser rather than a builder. Mechanically, a larger down payment lowers the loan, the instalment and the total interest, but it also empties the reserve you will want for the costs that arrive right after possession. This page shows the trade-off; it does not recommend a side.
No. Nothing on this page is a credit offer, an approval, an eligibility assessment or financial advice. The instalment is the standard reducing-balance formula applied to the numbers you typed. What you are actually offered depends on your lender's underwriting, and what you actually owe the state depends on the sub-registrar.
Ask for the payment schedule
The only version of this page that binds anyone is the written schedule for the specific unit — what is due, on what milestone, and to whom. Walk the project, ask for it, and check it against the figures you just worked out.