How much downpayment do I need for a house in India?

Banks typically fund up to 80% of the property value, meaning you need a minimum 20% downpayment. However, you also need to provision an extra 6-10% in liquid cash for stamp duty, registration, and GST.

Home Down Payment Planner

Calculate the required monthly savings (SIP) to reach a down payment goal. Factors in property inflation, existing savings, and estimated transaction costs.

Share this calculation:

Documentation

Quick Summary: Home Down Payment Planner

To buy a house in India, you need at least 25-30% of the property value in cash (20% down payment + 7% duties + 3% buffers). In FY 2026-27, for a ₹1 Crore house, you need ₹30 Lakh liquid cash. This tool reverse-calculates the monthly SIP required to reach that goal based on your timeline and expected return rate.

Related Calculators

SIP Calculator

True Cost of Property Purchase

Property Affordability

Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.