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Down Payment Calculator

Plan your savings timeline to reach your target down payment.

Planning a home purchase in Pune or elsewhere in India starts with the down payment. This calculator estimates how long it will take to reach your target down payment based on the property price you have in mind, what you have saved today, monthly savings, and an optional return on your savings pot.

Most home loans require 15–25% upfront for residential property, depending on your profile and the lender. Seeing the gap between current savings and the target amount, and how many months or years of disciplined saving close that gap, helps you align site visits and bookings with a realistic timeline.

Figures are illustrative. Inflation, bonus income, and changes in property price will shift your plan. Pair this with our home affordability and stamp duty calculators, or contact 3 Works Properties for curated listings in your budget.

Adjust the inputs below. Results update instantly in your browser.

Explain my results

Not sure what these numbers mean? Tap below for a short summary based on the inputs you just entered: what they imply for Pune buyers, what people often miss, and practical next steps.

  • Plain English
  • Pune & NRI context
  • Uses your inputs

Adjust the calculator above first, then tap Explain my numbers.

Frequently asked questions

How much down payment is required for a home loan in India?

Many lenders ask for 15–25% of property value upfront for residential loans, subject to your credit profile and RBI norms. Enter your target home price and down payment % in this tool.

Can I include returns on my existing savings?

Yes. Add an indicative annual return on savings to see how investment growth may shorten the time to reach your down payment goal.

Does this include stamp duty?

No. Budget separately for stamp duty, registration, and GST if applicable. Use our stamp duty calculator.

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