NRI buying property in India: 7 things to check before you send money
Seven checks for an NRI before the first transfer: what you may buy, RERA registration, carpet area, title, the payment route, the agreement and total cost.
HomeNRI cost calculator
India or Dubai
NRI Total Cost Calculator
What does a purchase really cost on top of the price? Duty, registration, GST, brokerage, legal fees, and the money you lose moving it across borders, with a month-by-month view of when the cash leaves your account.
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Before you rely on it
What is and is not in here
In
- Stamp duty, registration and GST (India), land department and admin fees and VAT on commission (Dubai)
- Brokerage, legal checks and a remittance and FX margin
- A sample payment schedule for a ready or an under-construction home
Not in
- Capital-gains tax, TDS rules, FEMA and repatriation limits. Ask a chartered accountant
- Interior, furnishing, society and move-in costs
- Your builder’s actual schedule or your lender’s actual fees
Rates marked To be verified are starting values that we have not yet checked against the official source. Hover the tag to see which source to check. Replace them with the figures from your lawyer, bank or the state authority. Exchange rates are examples, not today’s rates.
Questions
About the calculator
Why does the total change when I pick “under construction”?
GST can apply to an under-construction home, not to a ready one with a completion certificate. The payment schedule also stretches over years instead of months.
Where do the rates come from?
They are starting values taken from the public rate cards we know of, shown as to be verified. We do not claim they are current for your state or your case. Change any of them.
Can Holdengard buy for me?
No. Holdengard does not handle transactions or hold a broker licence. We can connect you with a licensed local agent.
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