# Rental Yield Calculator: Gross and Net Yield in India > Rental yield calculator: gross and net rental yield on a property after society maintenance, property tax, vacancy and repairs, with monthly net income. Source: https://trykosh.com/tools/rental-yield-calculator Free tool - Investing # Rental yield calculator Work out what a rented property really earns as a percentage of its value, before and after the costs owners usually forget. Rules checked 25 October 2026Free - no sign-upRuns in your browser Net rental yield 2.7% INR 2,16,000 a year after costs and vacancy Gross yield**3.75%** Net income a month**INR 18,000** Years of net rent to repay the price**37 years** Net income **INR 2,16,000**Lost to vacancy **INR 25,000**Costs **INR 59,000** Rent for 12 months INR 3,00,000 − Vacancy (1 month) INR 25,000 − Maintenance INR 36,000 − Property tax INR 8,000 − Repairs, insurance, other INR 15,000 Net rental income INR 2,16,000 Before income tax and loan EMIs. Rent is taxed as house-property income: municipal tax paid is deducted, then a flat 30% standard deduction, and the rest is taxed at your slab. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh tracks every SIP, FD and deposit in one place, and shows how far you are from each goal. [Start free](/signup?via=tool-rental-yield-calculator) ## How the rental yield calculator works Gross rental yield is a year's rent divided by the property's value. It's the number brokers quote, and it ignores every cost of owning the place. Net rental yield takes off the months the property sits empty between tenants, society maintenance if you pay it, property tax, and an allowance for repairs, insurance and brokerage. What's left, divided by the property value, is what the property actually earns. Use the current market value to judge whether to keep a property, or the price you paid (with stamp duty and registration) to judge how it has worked out for you. Net yield here is before income tax and any home-loan EMI. Rental income is taxed as income from house property: municipal taxes you've paid are deducted, then a flat 30% standard deduction, and the rest is added to your income. Net yield = (rent x (12 − vacant months) − yearly costs) / property value yearly costs maintenance + property tax + repairs, insurance and other costs ## Worked example: A 2BHK in Pune Sameer owns a INR 1.1 crore flat in Pune, let at INR 32,000 a month. On paper that's a 3.49% gross yield. After six weeks of vacancy a year, INR 48,000 of maintenance, INR 12,000 of property tax and INR 20,000 for repairs and brokerage, he nets INR 2.56 lakh a year, a net yield of 2.33%, or INR 21,333 a month. Net rental yield 2.33% INR 2,56,000 a year after costs and vacancy Gross yield**3.49%** Net income a month**INR 21,333** Years of net rent to repay the price**43 years** Net income **INR 2,56,000**Lost to vacancy **INR 48,000**Costs **INR 80,000** Rent for 12 months INR 3,84,000 − Vacancy (1.5 months) INR 48,000 − Maintenance INR 48,000 − Property tax INR 12,000 − Repairs, insurance, other INR 20,000 Net rental income INR 2,56,000 Before income tax and loan EMIs. Rent is taxed as house-property income: municipal tax paid is deducted, then a flat 30% standard deduction, and the rest is taxed at your slab. [Load this example into the calculator ->](?value=11000000&rent=32000&maintenance=48000&propertyTax=12000&vacancy=1.5&other=20000#calculator) ## Good to know - Residential yields in large Indian cities have often been in the 2% to 4% gross range, well below home-loan rates. Owners usually count on price appreciation to make up the difference. - If your tenant pays more than INR 50,000 a month in rent, they must deduct 2% TDS. It shows in your Form 26AS and counts towards your tax. - Property tax counts as a deduction from rent for income tax only in the year you actually pay it. - Home-loan interest on a let-out property is deductible against rental income in the old regime; any resulting loss can be set off against other income only up to INR 2 lakh a year. ## Frequently asked questions What is a good rental yield in India? Residential property in large cities has typically yielded around 2% to 4% gross, and less after costs. Commercial property usually yields more, often 6% to 9%, with longer leases and different risks. How is rental yield calculated? Gross yield is annual rent / property value x 100. Net yield subtracts vacancy and owner's costs (maintenance, property tax, repairs, insurance) from the rent before dividing. How is rental income taxed in India? As income from house property. From the annual rent you deduct municipal taxes paid, then a standard deduction of 30% for repairs, plus home-loan interest. The remainder is added to your income and taxed at your slab. Should I use the purchase price or current value? Use current market value to decide whether keeping the property makes sense today compared with other investments. Use the purchase price, with stamp duty and registration, to see the yield on what you actually paid. ## Sources and assumptions - [Income Tax Department](https://www.incometax.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. 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