Land Investment Calculator — ₹50 Lakh Plot
Project the appreciation of a ₹50 lakh land purchase over your chosen holding period, accounting for holding costs and financing if any.
Land Investment — pre-filled with these numbers
Opens the full calculator with these values already set, in your own currency — adjust anything and the result updates instantly.
Open calculator →Land generates no income, so unlike rental property its entire return has to come from appreciation while holding costs (tax, security, maintenance) drain cash every year with nothing offsetting them. Effective CAGR is calculated on price + total holding costs, not just the purchase price — this is why it's meaningfully lower than the headline appreciation rate.
Land held over 2 years qualifies for LTCG at 12.5% without indexation (or 20% with indexation if acquired before July 2024, whichever is lower) — same regime as property, but land carries none of property's Section 24 rental-income deductions since it typically generates no income.
Should I finance a ₹50 lakh land purchase with a loan?
Fewer lenders offer loans specifically for raw land compared to built property, and rates are often higher — check the land loan rate available to you before assuming the same terms as a home loan.
Is this a simplified version of the real calculator?
No — it's the exact same calculator, opened with these values already filled in. There's no separate, simplified math happening on this page; everything below adjusts once you open it.