Plot Down Payment Calculator
How much cash you need upfront for a plot — the 25–30% margin plus stamp duty, registration and other costs banks don’t fund.
Inputs
₹
₹ 40 Lakh
%
Charges banks don’t fund
%
₹
₹ 20 Thousand
%
Loan & savings
%
years
₹
₹ 10 Lakh
Cash needed upfront
₹15,10,000
37.8% of the plot price
Margin money
₹12 L
30% of price
Loan amount
₹28 L
EMI ₹29,238
Shortfall
₹5.1 L
Upfront cash breakdown
- Margin money₹12 L 79.5%
- Stamp duty4.9%₹1.96 L 13%
- Registration₹40,000 2.6%
- Brokerage₹40,000 2.6%
- Legal₹20,000 1.3%
- Processing fee₹14,000 0.9%
Summary
- Plot price
- ₹40,00,000
- Bank loan
- − ₹28,00,000
- Government & other charges
- ₹3,10,000
- Total cash needed
- ₹15,10,000
How this calculator works
Banks do not finance stamp duty, registration or brokerage, so these come out of your pocket along with the margin money (100% − LTV).