Commercial Property
Office/retail/warehouse — higher yield, stepped lease escalation, tenant-borne CAM.
Office/retail/warehouse — higher yield, stepped lease escalation, tenant-borne CAM.
The Commercial Property takes your own numbers and projects the result using the method described below, showing every assumption rather than a single opaque figure.
Same acquisition-to-exit lifecycle as residential Rental Property, with three deliberate differences that matter for commercial: rent escalates in steps at each lease renewal (typically every 3 years) rather than smoothly every year; common-area-maintenance (CAM) and most operating costs are usually borne by the tenant, not the owner, so the operating-cost input here is usually much lower than for a residential flat; and financing typically costs more with a larger down payment required.
Commercial rent attracts 18% GST if your total rental income exceeds ₹20L/year — you charge this to the tenant and remit it, so it doesn't directly reduce your yield, but it's a compliance obligation residential landlords don't have. Rental income is taxed at slab after the same 30% standard deduction as residential property; capital gains on sale follow the same 2-year LTCG threshold at 12.5% (or 20% with indexation if acquired before July 2024).
Is the Commercial Property's result a fixed outcome?
No — every figure here is an illustrative projection based on the assumptions you enter, not a promised or fixed return. Change any input to see how the result moves.
Is tax already accounted for?
Commercial rent attracts 18% GST if your total rental income exceeds ₹20L/year — you charge this to the tenant and remit it, so it doesn't directly reduce your yield, but it's a compliance obligation residential landlords don't have. Rental income is taxed at slab after the same 30% standard deduction as residential property; capital gains on sale follow the same 2-year LTCG threshold at 12.5% (or 20% with indexation if acquired before July 2024).
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