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Zell Decision Cockpit

Rental yield & ROI

Gross yield is the easy number and the one everyone quotes. What you actually keep depends on how long the flat sits empty, what the building charges you, and what you paid to acquire it in the first place. Every one of those is an input here, not an assumption we make for you.

The property
What the rent loses
Between tenants, and while you find one. Four weeks is a realistic Karachi default; a hard-to-let unit is more.
Zero if you manage it yourself.
The line that separates an apartment from a house. A flat rolled into a flat percentage hides it.
Your effective rate on net rental income. We deliberately don't guess this — rates depend on your total income and filing position. Ask your tax adviser and enter it.
What you paid to get in
How you're paying
If you hold it
Commission plus 236C and any capital gains tax. For the exact figure use the seller net-proceeds calculator.
Rental yield
Gross yield
6.00%
Net yield
5.10%
Net on capital in
4.72%
You keep 85% Empty 8% Costs 7%
Annual rent if never emptyRs 18 Lakh
Less: vacancy4 week(s) empty−Rs 1.38 Lakh
Less: repairs & maintenance−Rs 1.33 Lakh
Net income a yearRs 15.29 Lakh
Your capital & cash return
Taxes & fees to acquirerates as of July 2026Rs 23.75 Lakh
Total capital in the assetRs 3.24 Cr
Your cash inpurchase price + taxes & feesRs 3.24 Cr
Cash flow a yearRs 15.29 Lakh
Cash-on-cash return4.72%
Rent pays your cash back inon rent alone, before any appreciation21.2 yrs
After 5 year(s), on your assumptions
Projected valueat 8%/yr — your estimate, not a Zell forecastRs 4.41 Cr
Net rent collectedgrowing 6%/yr, after all costsRs 86.17 Lakh
Less: taxes & fees paid to buy−Rs 23.75 Lakh
Less: selling costs at 2%−Rs 8.82 Lakh
Indicative total gainRs 1.94 Cr

Every figure here follows from the inputs on the left — we make no assumption you cannot see and change. Appreciation and rent growth are your assumptions, not a Zell forecast: Karachi prices move in cycles and can fall as well as rise, and a projection is not a promise. Acquisition costs use published rates as of July 2026 and are estimates, not a quotation. Tax on rental income and capital gains depends on your circumstances — take advice. This is indicative information, not investment advice.

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