Seller Net Proceeds Calculator (India)
Work out what you actually receive after selling: loan foreclosure, brokerage, capital gains tax, TDS and society dues deducted from the sale price.
Sellers plan around the sale price and are then surprised by the cheque. Between the two sit the outstanding loan, brokerage, capital gains tax, society dues and often a small pile of paperwork costs.
This is the number that actually matters if you are selling to fund the next purchase — because it is the down payment you will really have.
What comes off the top
- Loan foreclosure. The buyer's payment usually clears your outstanding loan first, and the lender releases the original documents only after that. Ask for a foreclosure statement early — it is valid for a limited number of days.
- Brokerage, typically 1% from the seller side, payable on registration unless you agreed otherwise.
- Capital gains tax, the largest deduction on an appreciated property. Reinvesting under Section 54 or 54EC can remove it entirely — plan this before you sell, not after.
- Society dues and NOC. Most housing societies will not issue a no-objection certificate with arrears outstanding, and many levy a transfer charge.
- TDS is withheld by the buyer and credited against your tax, so it is a timing cost, not an extra cost — but it does delay cash.
A worked example
A ₹1.2 crore sale with a ₹30 lakh loan outstanding, 1% brokerage, ₹4.6 lakh of capital gains tax, ₹60,000 of society dues and ₹25,000 legal: ₹1,20,00,000 − ₹1,20,000 − ₹30,00,000 − ₹4,60,000 − ₹85,000 = ₹83,35,000, or 69.5% of the headline price.
If you are selling to buy again, the Section 54 exemption requires you to purchase within two years or construct within three. Money sitting idle past the return filing date should go into a Capital Gains Account Scheme deposit to keep the exemption alive.
Turn a calculation into an enquiry
Buyers who run these numbers are ready to talk. Give every listing its own page with your photo, phone and WhatsApp on it — leads land straight on your phone.
Create your free property pageFrequently asked questions
When do I get the money from a property sale?
Typically at registration. Where a loan is being cleared, part of the consideration goes directly to the lender and you receive the balance, often as a demand draft handed over at the sub-registrar office.
Who pays the brokerage on a sale?
Convention in most Indian cities is 1% from each side, so you pay on your side and the buyer on theirs. Agree the trigger — token or registration — in writing beforehand.
Can I avoid capital gains tax by reinvesting?
Yes. Section 54 exempts the gain if reinvested in another residential property within the prescribed window, and Section 54EC allows up to ₹50 lakh into NHAI or REC bonds within six months.
Do I get the TDS back?
It is credited against your tax liability. If your actual capital gains tax is lower than the TDS deducted, you claim the difference as a refund when you file your return.
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