This comprehensive calculator helps NRIs plan their complete property purchase budget in Kerala — from loan eligibility and down payment to stamp duty, registration fees, GST, interior costs, and total cash required. No surprises.
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| 👤 Section 1 — Your Income & Loan Profile | |
|---|---|
| Monthly Net Income (₹) — salary credited to NRE/NRO | |
| Existing EMIs / Monthly Obligations (₹) — car loan, personal loan etc. | |
| FOIR / EMI-to-Income Ratio Allowed (%) — typically 40–50% for NRIs | |
| Home Loan Interest Rate (% p.a.) | |
| Loan Tenure (Years) | |
| LTV Ratio (%) — bank funds this % of property value (max 80%) | |
| 🏠 Section 2 — Property & Transaction Details | |
|---|---|
| Property Type | |
| Property Location | |
| Property Value / Agreement Value (₹) | |
| Built-up Area (sq ft) — for interior cost estimate | |
| Interior / Furnishing Budget (₹/sq ft) — basic: 800, mid: 1500, premium: 2500+ | |
| Parking / Club / Other Charges (₹) — one-time | |
| Savings Available for Down Payment (₹) | |
| Cost Component | Amount (₹) | % of Property Value |
|---|---|---|
| Property / Agreement Value | ₹0 | 100% |
| Down Payment (you pay) | ₹0 | — |
| Stamp Duty | ₹0 | — |
| Registration Fee (1%) | ₹0 | 1% |
| GST | ₹0 | — |
| Interior / Furnishing | ₹0 | — |
| Parking / Club / Other Charges | ₹0 | — |
| Loan Processing Fee (0.5%) | ₹0 | — |
| TOTAL CASH REQUIRED (excl. loan) | ₹0 | — |
* Stamp duty rates: Kerala charges 8% (male), 6% (female buyer). GST applies only to under-construction properties. Registration fee is 1% capped at ₹2L for residential. All figures are indicative.
* Results are indicative. Actual loan eligibility depends on lender assessment, credit score, and employer profile.
| Cost Head | Rate / Amount | Notes |
|---|---|---|
| Stamp Duty | 8% (male) / 6% (female) | On agreement value. Female buyer saves 2%. |
| Registration Fee | 1% (capped ₹2L residential) | Paid at Sub-Registrar office |
| GST | 1% (≤₹45L UC) / 5% (above ₹45L UC) | Only on under-construction. Nil on ready/resale. |
| Down Payment | 20–30% of property value | Bank funds up to 80% (LTV) |
| Interior / Furnishing | ₹800–2,500/sq ft | Basic to premium finish |
| Loan Processing Fee | 0.25–1% of loan | One-time, paid to bank |
| TDS (NRI sellers) | 20–22.88% on capital gains | Buyer deducts if seller is NRI. See tax guide |
| City / Area | Flat (₹/sq ft) | Villa (₹ total) | Plot (₹/cent) |
|---|---|---|---|
| Kochi (prime) | ₹6,000–12,000 | ₹1.5–5 Cr | ₹8–25L |
| Trivandrum (prime) | ₹5,000–9,000 | ₹1–3.5 Cr | ₹5–18L |
| Kozhikode | ₹4,500–8,000 | ₹80L–2.5 Cr | ₹4–15L |
| Thrissur | ₹4,000–7,000 | ₹70L–2 Cr | ₹3–12L |
| Other Districts | ₹2,500–5,000 | ₹40L–1.2 Cr | ₹1–8L |
Finance: Apply for NRI Home Loan — up to ₹10 Crores | EMI Calculator
Legal: NRI Property Legal Guide | NRI Property Tax & TDS Guide
Property Types: Under-Construction | Resale | Beachfront | Backwater
Disclaimer: All figures are indicative. Stamp duty, GST, and registration rates are subject to change per Kerala government notifications. TDS rules apply as per Income Tax Act for NRI sellers. Blueberry is a financial services facilitator, not a legal or tax advisor. RBI · FEMA · ASCI compliant.
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