Rent vs Buy in Bangalore: How to Think About It
Updated September 2026. Figures are estimates; see how KITNA calculates.
There's no universal answer. Whether buying beats renting depends on how long you stay, how fast prices grow, what your money could earn elsewhere and your loan rate.
What you pay on each path
Buying: the down payment, stamp duty and registration, EMI interest, maintenance and property tax. You gain whatever the property is worth when you sell. Renting: rent, which usually rises each year. You keep the down payment invested, plus any monthly difference.
A worked example
An illustrative ₹1.5 crore home, rent of ₹45,000 a month, 20% down, an 8% loan over 20 years, 5% yearly price growth and 10% investment returns. These are example inputs, not market data.
Wealth, year by year
After 10 years, renting is ahead by ₹50,61,495 under these assumptions — but move price growth by three points either way and the answer can flip.
A scenario comparison, not financial advice.