Find the true annualised return on your property — whether you're on a builder payment plan or bought upfront. Factor in rent, appreciation, and see how it stacks up against FD and Nifty.
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XIRR (Extended Internal Rate of Return) is the most accurate measure of investment return when cash flows happen at irregular intervals — exactly what property investments look like. Unlike simple percentage gain, XIRR accounts for when you paid each installment, making it directly comparable to FD rates and SIP returns. A property giving 20% total gain in 5 years has a 3.7% XIRR — worse than a savings account.