Commercial Investment Calculator
Mathematically precise yield analysis, Lease Rental Discounting (LRD), and usable space estimators tailored for Ludhiana's commercial real estate market.
Investment Parameters
Gross Rental Yield
?
The yearly % of property price you earn back from rent before taxes or maintenance.
8.80 %
Net Operating Income (Annual)
?
Your actual yearly rent profit in Rupees after taking out maintenance & tax costs.
₹ 12,54,000
5-Year Capital Value
?
Estimated market resale value of your property after 5 years of appreciation.
₹ 2.15 Cr
5-Year Total Return
?
Combined total profit from 5 years of rent PLUS property price appreciation.
₹ 1.28 Cr
Net Rental Yield
?
Your clean yearly return % AFTER subtracting taxes and maintenance.
8.36 %
Payback Horizon
?
How many years it takes for your rent earnings to fully pay back your property cost.
11.9 Yrs
5-Year Return Breakdown (Doughnut Chart)
Loan & Rental Discounting Parameters
Monthly Bank EMI
?
The fixed amount you pay back to the bank every month for your commercial loan.
₹ 1,50,034
Monthly Net Cash Flow
?
Monthly rent income minus bank EMI. Positive means extra profit in your pocket each month!
- ₹ 34 / Mo
Principal Loan Amount
?
The total amount of money borrowed from the bank.
₹ 1.50 Cr
Total Interest Paid
?
Total interest cost paid to the bank over the full loan tenure.
₹ 1.20 Cr
Debt Service Coverage Ratio (DSCR)
?
A safety score banks use to check if rent easily covers the EMI. 1.25+ means fast bank loan approval!
1.00
Moderate Bank Approval Likelihood
Loan Outlay Breakdown (Doughnut Chart)
Carpet Area vs Super Built-up Area Finder
Effective Carpet Area Cost
?
The real cost per Sq.Ft. calculated specifically for the usable floor space inside your office walls.
₹ 10,000 / Sq.Ft.
Total Outlay Cost
?
The total property purchase cost based on the super built-up area and quoted rate.
₹ 2.27 Cr
Actual Usable Carpet Area
?
The exact floor area inside your office where you can place desks, furniture, and staff.
2,275 Sq.Ft.
Common Area Loading Loss
?
The Sq.Ft. space used up by public elevators, stairs, and common hallways.
1,225 Sq.Ft.
Space Efficiency Distribution (Doughnut Chart)