Ahead of the flat: Mutual funds + SIP, by ₹4.34 Cr.
20% down payment, 20-year loan; stamp duty 6%; rent 3% of the price a year, rising 5%; maintenance counted; 30% tax slab; current capital gains tax. Illustration, not a forecast; mutual funds are subject to market risks.
Choose how the flat is bought. On a home loan, the down payment and stamp duty go into a lumpsum and each EMI into a SIP or recurring deposit instead; in cash, the whole amount goes in as a lumpsum. The flat earns rent and grows in value, less maintenance, the remaining loan and capital gains tax. Every option gets the same money, and each result is what it is worth at the end, after tax.
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