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Home / Legal / Due Diligence / Is there any market in India where the rental income from a property is more than the emi on its loan with a max. loan to value ratio?
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Is there any market in India where the rental income from a property is more than the emi on its loan with a max. loan to value ratio?

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Bangalore
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In most Indian markets, it is rare for rental income to exceed the EMI on a home loan with a high loan-to-value (LTV) ratio (up to 75-90%). Rental yields in India typically range between 2-4% annually, whereas home loan interest rates hover around 8-10% per annum, making EMIs higher than rental income. 

Exceptions may occur in niche markets like certain commercial properties or co-living spaces in high-demand areas (e.g., IT hubs like Bengaluru or Hyderabad), where rental yields can be relatively higher. However, even in these cases, surpassing EMI with rent is uncommon unless the property is significantly undervalued or bought with a low LTV.

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Akanksha Shukla (law graduate)

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