EMI vs Rent Calculator in Gurugram — Haryana Rates 2026
Last updated:
Quick Answer
In Gurugram, renting vs buying depends on rent levels vs EMI for an equivalent property. At ₹10,000/sq ft, the EMI on a ₹80,00,000 loan (80% LTV, 8.5%, 20 yr) is ~₹69,426/month. If rent for the same flat is lower, renting may be financially better short-term.
Monthly EMI
₹55,541
Total Buying Cost
₹1,49,29,765
Total Renting Cost
₹99,19,786
Property Value at End
₹2,56,57,084
Break-Even Year
Year 1
Verdict
Buying is better long-term
Compares total cost of buying (down payment + EMIs) vs renting (with annual rent increases) over the loan tenure. Factors in property appreciation for the buying scenario.
Gurugram — HaryanaRates & Data
| Parameter | Value |
|---|---|
| State | Haryana |
| Stamp Duty (Male) | 7% |
| Stamp Duty (Female) | 5% |
| Registration Charge | 1% |
| Avg Price / sq ft | ₹10,000 |
| Typical Loan Amount | ₹80,00,000 |
| SBI Home Loan Rate (approx) | 8.50% p.a. |
| EMI on ₹50L / 20 yr | ₹43,391/month |
Frequently Asked Questions — Gurugram
How does EMI vs Rent Calculator work for Gurugram?
The EMI vs Rent Calculator for Gurugram uses Haryana state-specific data where applicable — including stamp duty rates (7% male / 5% female) and registration charges (1%). Enter your specific values in the calculator above for an accurate result.
Are rates different in Gurugram compared to other cities in Haryana?
Stamp duty and registration charges are set at the state level in India, so Gurugram follows the same Haryana rates as other cities in the state. However, circle rates (minimum property valuations), municipal taxes, and local service costs differ by city. The calculator uses standardised Haryana rates for Gurugram.