Wealth Simulator

Will this property make you money? Test the scenarios.

Instead of one rosy projection, see a bear, base and bull case side by side against a fixed deposit, with every assumption on the table.

AreaProperty price (₹)₹1.5 CrDown payment (₹)₹40 L

Loan rate %Loan years

Hold for 10 years

Under your assumptions · scenarios, not a forecast

Base case is close to a 7% FD

Yearly return on your own money: bear 0.7% · base 6.9% · bull 11.9%

In plain words: in the base case it does about as well as an FD, buy it to live in, not purely as an investment.

What your home could be worth

Shaded bands show the spread of assumed-growth scenarios, not calibrated odds

Assumptions: price growth centred on 70% of the area's estimated recent growth; rent grows 5%/yr with 15% lost to vacancy, upkeep and tax; 0.4%/yr maintenance; 2% selling cost; outstanding loan repaid on sale. Returns are nominal (not inflation-adjusted) and before capital-gains tax.

Bear case in 10 yrs

₹2.05 Cr

Base case in 10 yrs

₹2.76 Cr

Bull case in 10 yrs

₹3.63 Cr

Bear case · yearly return

0.7%

levered, on your own cash

Base case · yearly return

6.9%

levered, on your own cash

Bull case · yearly return

11.9%

levered, on your own cash

Assumptions used

9.2%/yr area growth · 3.4% rent yield

AlphaDesk360 area estimates for Whitefield, change the area or inputs to test them. Not guaranteed.

How the simulator works

Each year's price change is drawn at random around 6.4%, a cautious 70% of Whitefield's recent 9.2% growth, with 8% volatility (higher in less liquid areas).
Includes ~8% purchase costs, EMIs, 0.4% of price a year in upkeep, and rent starting at 3.4% of price (growing 5%/yr, minus 15% for vacancy and costs).
Return (IRR) is calculated on every rupee you put in and take out, including the sale after 10 years at 2% selling cost.
It shows a range of possibilities, not a forecast. Past growth doesn't guarantee future growth.

The AlphaDesk360 principle

Don't buy a dream. Test the numbers.

Bear, base and bull cases before you sign a 20-year loan.

Instead of one rosy projection, it shows a bear, base and bull case for your home, with every assumption visible, next to a simple fixed deposit. Scenarios, not a forecast.

1Pick the area and enter your price and down payment
2Choose how long you'll hold and whether you'll live in it or rent it out
3Read the bear, base and bull outcomes against an FD, with the assumptions shown

▸ See a real example

A ₹1.5 Cr Whitefield flat held 10 years and rented out beats a 7% FD in roughly half the futures, a good home to live in, not a guaranteed investment.