How much downpayment do I need for a house in India?

Banks typically fund up to 80% of the property value, meaning you need a minimum 20% downpayment. However, you also need to provision an extra 6-10% in liquid cash for stamp duty, registration, and GST.

Home Down Payment Planner

Plan your total Day-1 cash corpus, reverse-SIP for down payment, RBI LTV limits, GST, and PMAY CLSS benefits.

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Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

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Consult a SEBI-registered IA or CA for personalised advice.

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