Rental Income for Retirement in India | PlanYourWorld

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Rental Income for Retirement In India

 Administrator  01-09-2017   02-12-2017

 Rental Income for Retirement In India 

These are one of the investments which enable you to take care of your expenses as well as take care of inflation with time. This is one of the oldest asset class but this popular in a few category of individuals only. Mainly these can be divided into 3 segments.

  • Rent from Residential Property
  • Rent from Commercial Property
  • Rent from Service Apartment

What is the benefit of Rental Income?

Rental Income allows you to get monthly rental and you enjoy the fruit of capital appreciation over time. Rent from Residential Property is the lowest in its category after this comes the commercial property and at last, you get the best return on your value of investment from Service Apartment. These returns vary from place to place.

Is there any Tax benefit?   

Rent from residential property comes under income from house property and you get a statutory deduction of 30% on it. Rent from other class come in commercial activity. So you are free to deduct actual expenses.
The appreciation of the property is realized at the sale of property when you sell it. If the transfer is done after 3 years of purchase the gain is Long Term Capital Gain and allows you to get the benefit of indexation.
What are risks in Rental Property? Generally, a large portion of your net worth is invested in one property. There are some kinds of risks like.

Is it suitable for Individuals?

It is very difficult to say whether it suits you or not. It depends on your past experiences and family values. Some families take it as business and some take it as it is not their cup of tea.

If your family values allow this investment option for you, the second deciding factor is your situation. If your situation allows you to have Rental Income, you should go for this, but before planning your retirement you must consider the opinion of your Financial Planner.

You should plan your life in the big picture to enjoy your Retirement with prosperity.

Year

1

3

5

7

10

Value of Property

7500000

9187823

10519138

12043361

14753665

Rental Income

525000

607753

670048

738728

1032754

Property value Growth -7%

Rental Value -7%

Rental Value Growth -5%

 

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