Property Tax Calculator India — Annual Municipal Tax Estimate 2026
Real-World Examples — 2026
1,000 sq ft flat in Bangalore
BBMP property tax for 1,000 sq ft residential flat (Zone C, tenanted): Annual value ≈ ₹30,000–₹50,000. Tax at 22.5% = ₹6,750–₹11,250/year. Owners can pay online via BBMP portal. 5% discount for paying in April.
Self-occupied vs rented property tax
Property tax is the same whether self-occupied or rented — it depends on area and zone, not occupancy status. However, for income tax purposes, rental income is taxable while self-occupied property has nil annual value.
Frequently Asked Questions
How is property tax calculated in India?
Property tax = Annual Value × Tax Rate. Annual value is set by the municipal authority based on: area, location (zone), property type, and age. In Delhi: Annual Value = covered area × monthly rent determined by MCD × 12. Tax rate: 15% for Category A areas. Self-assessment (SAF) is mandatory for property owners.
Is property tax deductible from income tax?
Property tax paid to local municipal authority is deductible from 'Income from House Property' if you're computing rental income. For self-occupied property, there is no net annual value (NIL), so property tax doesn't affect your income tax calculation. It is a direct cost of ownership.
What happens if I don't pay property tax?
Non-payment attracts interest (typically 1.5–2% per month) and penalties. Continued default can result in sealing/attachment of property. Municipal authorities can also cut off water/power connections. Property tax records are important for sale — clear dues certificates are required at registration.
Is this calculator free?
Yes, completely free on CalcPhi.
Are my inputs stored?
No. Calculations run in your browser.
Is it mobile-friendly?
Yes. Works on all modern smartphones.