Honest-Broker Tools
FD vs Real Estate.
Which builds more wealth?
Put the same rupees into a fixed deposit and a pre-leased commercial asset. See both outcomes, side by side, over any horizon — with the caveats we would tell you across the table.
A fixed deposit is safe, liquid, and effortless. A pre-leased commercial property is illiquid and depends on a tenant staying put — but it pays you escalating rent every year and can appreciate. This tool models both honestly: FD interest is taxed if you set a slab, real estate carries its real risks, and nothing here is a guarantee. Move the sliders and decide for yourself.
Your Assumptions
FD Interest Tax Slab
FD interest is fully taxable at your slab. Rent is taxable too, but shown gross here.
Total Wealth After 10 Years
Fixed Deposit
₹1.99 Cr
Maturity value
Pre-Leased Real Estate
Ahead₹2.55 Cr
Rent collected + terminal value
The Verdict
Over 10 years, the pre-leased asset builds ₹55.99 L more wealth than the fixed deposit — but it is far less liquid, and the rent and appreciation are assumptions, not guarantees.
Assumptions Recap
Estimates only — not financial advice. Figures are indicative; consult a Sachdeva Estates advisor before deciding. Real estate is illiquid, assumes stable tenancy, and rent and appreciation are not guaranteed. FD returns are contractually fixed; property returns are not.
Questions, Answered Straight
How to read this comparison.
How does the FD vs real estate calculator work?
It compounds your investment amount at the fixed-deposit rate you enter (adjusted for tax if you pick a slab) to get the FD maturity value. In parallel it models a pre-leased property: year-one rent equals the amount times the gross rental yield, escalated annually, summed over the holding period, plus the property value after the same years of capital appreciation. It then compares total wealth and effective CAGR for each path.
Why is FD interest taxed but rent shown gross?
Fixed-deposit interest is added to your income and taxed at your slab every year, so we apply an optional 20% or 30% deduction to the FD rate. Rental income is also taxable, but after standard deductions, depreciation, and loan-interest set-offs the effective rate varies widely by investor — so we show rent gross and flag this openly rather than assume a number for you.
Is real estate always better than a fixed deposit?
No. A fixed deposit is fully liquid, contractually guaranteed, and effort-free. Pre-leased real estate can build more wealth over long horizons because you earn escalating rent and capital appreciation together — but only if the tenant stays, rent escalates as assumed, and the asset appreciates. Change the assumptions and the FD can win. That is exactly why this tool lets you test both honestly.
What is a realistic rental yield and appreciation for Chandigarh Tricity commercial property?
Grade-A pre-leased commercial assets in the Chandigarh Tricity typically trade at gross rental yields of roughly 5.5% to 7%, with lease escalations around 5% per year (or 15% every three years), and long-run capital appreciation that is conservative but real. The defaults here reflect that band. For a specific asset, speak to a Sachdeva Estates advisor.
See Real Numbers, Not Assumptions
Want a pre-leased asset
modelled on real inventory?
This calculator uses your assumptions. We can replace them with a live, tenanted asset — actual rent, escalation clause, lock-in, and price — and walk you through the honest upside and the honest risk.
Sachdeva Estates · Commercial Real Estate Advisory · Chandigarh Tricity since 1990