● LIVE • PUNE • NOV 2026 • 100% FREE CALCULATOR

Pune Rent vs Buy Calculator 2026
₹1 Cr Flat — Buy or Rent?

Hinjewadi Metro Opened 4 Nov 2026 • 23 km Maan-Hinjewadi to Shivajinagar • Fare ₹12-₹62 • Flats Under ₹90L Near Hinjewadi • 43 Live Bank Auction Flats Under ₹40L

🧮 Calculate Your Flat — Live

Formula: EMI = Loan × r × (1+r)^n / ((1+r)^n - 1). Rent grows 5% per year. Invested difference grows at 12% SIP. Property grows at 5% per year. This is an estimate, not financial advice.

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📊 Pune 2026 — Real Numbers (Google Data)

AreaFlat PriceRent / MonthYieldBreak-Even
Hinjewadi₹75L₹24,0003.5%7-9 Years
Wakad 2BHK₹80L₹25,0003.7%7-9 Years
Baner₹1 Cr₹27,0003.2%8-10 Years
Kharadi₹85L₹26,0003.6%7-9 Years
Pune Avg₹55L - 1.2 Cr₹18k - 35k2.8-4.0%6-9 Years

Verdict: Pune avg ₹10,063 / sqft, 5% growth. 24,890 flats sold H1 2026, 31,116 new launches. Buy if you stay 7+ years. Rent + Invest if you stay less than 7 years.

🚇 Hinjewadi Metro Line 3 — Opened 4 Nov 2026

Route: Maan - Hinjewadi to Shivajinagar • Length: 23 km • Stations: 23 • Opened: 4 Nov 2026, 6 AM • Fare: ₹12 to ₹62

Why it matters: Flats within 1.5 km of a station get 18-24% price premium. Hinjewadi Phase 3 + Pune Ring Road are driving demand in Baner, Wakad, Charholi. If you buy near a Metro station, your flat grows faster.

23 km
Metro Line 3
₹12-₹62
Fare
18-24%
Premium Near Station

🏦 Pune Bank Auction — 43 Live Flats Under ₹40L

Updated 7 Nov 2026. SBI, HDFC, Axis Bank, ARCIL, Nido Home Finance via SARFAESI / e-Auction.

AreaReserve PriceBankAuction Date
Khed₹5.25LTruhome Finance21 Nov 2026
Talegaon Dabhade₹18.10LARCIL21 Dec 2026
Daund₹19.95LAxis Bank21 Nov 2026
Katraj₹30.85LNido Home Finance08 Dec 2026
Baner / Hinjewadi / Kharadi / Wakad₹22.5L - ₹39.9LSBI + HDFCLive Now

Bank auction flats are 20-30% cheaper than market, but check RERA, title, and possession before bidding. This list is indicative — verify on official bank / MSTC portal.

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❓ FAQ — People Also Ask (AEO)

Should I buy or rent a flat in Pune in 2026?

Buy if you stay 7+ years. Pune yield is 2.8-4.0%, break-even 6-9 years. If you stay less, rent + invest the difference.

What is the EMI for ₹1 Cr flat in Pune?

With ₹20L down, ₹80L loan at 8.5% for 20 years, EMI is approx ₹69,426 per month.

Is Hinjewadi Metro Line 3 open?

Yes. Opened 4 November 2026 at 6 AM, Maan-Hinjewadi to Shivajinagar, 23 km, fare ₹12-₹62.

Are bank auction flats safe in Pune?

Yes if you check title, RERA, possession, and dues. They are 20-30% cheaper, but verify on official bank portal.

What is the average flat price in Pune?

Average ₹10,063 / sqft in 2026, 5% growth. Hinjewadi ₹7,500-10,500 / sqft, Baner ₹9,000-13,000 / sqft.

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