Disclaimers & Model Assumptions

PropHisaab is a simplified financial modeling tool designed to help Indian real estate buyers evaluate and compare property deals. All projections are illustrative estimates based on user-provided inputs and built-in assumptions. They are not financial advice, tax advice, or a guarantee of future returns.

• •PropHisaab runs entirely in your browser. All computations happen locally on your device.
• •Your data stays on your device. Anonymous website traffic (# of site visits, device type, etc.) is collected by hosting provider.
• •No advertising, cookies, profiling, or user-level tracking is used.
• •No account, login, or personal information is required to use the tool.
• •All deal data is stored in your browser's localStorage only. Clearing browser data will erase it.
• •The tool is completely free with no hidden costs, subscriptions, or monetization.
• •No third-party scripts, SDKs, or external services are loaded for core functionality.
• •Built out of a passion for helping people make informed decisions about real estate investments.

• •Loan disbursement is assumed at t=0 (full amount at purchase). No tranche or construction-linked disbursement modeling.
• •Rental income projections are based on locality-specific appreciation rates and a starting rent provided by the user.
• •Capital appreciation follows a flat annual rate based on locality reference data.
• •Vacancy is modeled as a flat annual percentage loss.
• •Rental escalation follows either a smooth annual increase or a step-up model (user-selected).
• •Property tax is calculated using per-sqft rates from locality reference data.
• •Stamp duty and registration fees use built-in defaults that may not reflect current government rates.
• •Common Area Maintenance (CAM) are assumed to remain flat over the holding period.
• •The year of purchase is assumed to align with the financial year (April to March).
• •For let-out properties, maintenance reserve is assumed to be 1 month of potential rent annually.
• •For self-use properties, maintenance reserve is assumed to be 0.25% of the property's market value annually.

The following are not modeled:

• •Long-Term Capital Gains (LTCG) tax on property sale
• •Exit brokerage or agent commissions on resale
• •Interest earned on deposits collected from tenants
• •Indexation benefits on capital gains
• •Section 54/54F tax exemption on reinvestment
• •Section 80C deductions on principal repayment
• •Home loan interest certificate timing (assumed annual)
• •Construction-linked payment plans or tranche disbursements
• •GST on under-construction properties beyond a flat 5%/12% estimate
• •TDS on rent (Section 194-IB)
• •Municipal tax variations, rebates, or surcharges
• •Co-ownership or partnership structures
• •NRI-specific tax implications
• •Inflation-adjusted real returns (all outputs are nominal)

• •Locality reference data (capital appreciation, rental growth, property tax) are illustrative defaults. Users should verify with local market data.
• •Stamp duty and registration fee defaults are approximate and may not reflect current state government rates. Always verify with official sources.
• •Benchmark rates (NIFTY 50, Gold, 10Y Bond, Bank FD) are indicative and not updated in real-time.

Users are strongly recommended to consult a Chartered Accountant (CA), financial advisor, or tax professional before making investment decisions based on these projections. PropHisaab does not assume responsibility for decisions made using this tool.

All data is stored exclusively in your browser's local storage (localStorage). No information you enter is sent to any server. Clearing browser data, switching devices, or using private/incognito mode will result in complete data loss. Use the export feature (if available) to back up your data.