Resort Investment ROI Calculator

• Rent is the contractual assured rate for the property you selected. Only this is contractual — everything else below is an estimate.
• Step-up is off by default. Turn it on only if a periodic step-up is written into your registered lease.
• Appreciation is your own assumption, applied as simple annual growth. Set it to 0% to see the return on rent alone.
• TDS: 31.2% under Section 195 for NRIs, 10% under Section 194-I for residents, or a reduced rate if you hold a Section 197 certificate. TDS is a withholding, not your final tax.
• Final tax is estimated after the 30% Section 24(a) standard deduction at the slab you selected; excess TDS is refundable at filing.
• Currency: non-INR figures use an indicative rate for reference only. INR is the contract currency.
• Free stay nights are valued at a conservative ₹8,000 a night and are a lifestyle benefit, not cash income — they are shown separately and are not added to the total.
• Figures are pre-GST, exclude stamp duty, registration and any maintenance or club charges, and are rounded.

Because most developer calculators publish pre-tax figures. On a branded resort investment the rent is paid to you after tax is deducted at source — 31.2% under Section 195 for an NRI, or 10% under Section 194-I for a resident. This tool shows the gross projection and the money that actually lands in your account, so you are comparing like for like against a fixed deposit or a REIT.

Rent from a sale-leaseback unit is taxed as Income from House Property. A flat 30% standard deduction under Section 24(a) applies, so only about 70% of the rent is taxable, and that is charged at your slab rate. TDS is withheld first and set off against that final liability — if too much was withheld you claim the excess back when you file. Confirm your own position with a CA.

Yes. Apply for a Section 197 Lower TDS Certificate before your first rent cycle. It reflects your real liability after the Section 24(a) deduction and commonly brings the effective withholding down to roughly 5–15%. Without it the full 31.2% is withheld and you wait for a refund at filing. Your DTAA treaty may also give credit in your country of residence.

Be conservative. This tool defaults to a modest annual appreciation you can change yourself — set it to 0% to see the return on rent alone, with no appreciation assumed at all. Any appreciation figure is an estimate, not a contractual promise — only the rent is contractual. Treat a projection that leans heavily on appreciation with caution.

Only if it is written into your registered lease. Some projects offer a periodic step-up on the assured base; others pay a flat rate for the full term. Switch the step-up off in this tool to see the return without it, and confirm what your specific lease actually commits to before relying on it.

The Indian rupee. Foreign-currency figures here are an indicative conversion for reference only — your lease, your rent and your capital gains are all contracted and settled in INR, so your real-world return also depends on the exchange rate when you repatriate.

Rental income credited to an NRO account is repatriable up to USD 1 million per financial year after applicable taxes and the required CA certification (Forms 15CA/15CB). Funds routed through NRE channels can be simpler. The exact path depends on how you funded the purchase — check with a CA.

No. It is a projection tool built on the inputs you choose. Returns depend on the registered lease, the operator honouring it, and your own tax position. Verify the RERA registration, the registered sale and lease deeds, and the entity signing the assured-return covenant before you commit.