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Payment-plan NPV calculator

See what a builder's 10:90, 20:80 or subvention scheme is really worth in today's money — the true cost after discounting deferred payments, stamp duty, registration and GST.

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Built for Mumbai property advisors · free to start

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Present value of any scheme

Discount every milestone back to today at a home-loan base rate — see the true cost of a deferred plan, not the sticker.

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Scheme-by-scheme comparison

10:90 vs 20:80 vs full upfront, side by side, ranked by the real discount each one represents.

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All-in with statutory costs

Folds in stamp duty, registration and GST so your client sees the complete outflow, in today’s money.

Scheme	Pay now	NPV of price	Eff. discount
Full upfront	100%	₹2.00 Cr	0.0%
20 : 80	20%	₹1.79 Cr	10.6%
10 : 90	10%	₹1.77 Cr	11.9%

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Payment-plan NPV calculator on PROPi.IN. A 10:90 or a subvention scheme is not a discount — it is financing. When most of the money is paid at possession, those future rupees are worth less than rupees today. This tool discounts every milestone back to the present at your chosen home-loan rate, adds stamp duty, registration and GST, and shows the true present value and the real effective discount — so you can advise a client with a number, not a slogan. It is a transparency calculator on the figures you enter, not investment advice. Log in to use it.