Some people were curious how much my friend is actually making on a My Home SAYUK resale. Here's a real example. Purchase Price: ₹1.741 Cr (June 2022) Payment: 20% construction-linked tranches (2022–2026) Scenario 1: Current Value (Builder Pricing / End Use) Current Value: ₹2.09 Cr 📈 INR Gain: ₹35.46 lakh (+20.4%) 💵 USD Gain: ~$15,500 (+7.5%) Scenario 2: Resale at Current Builder Price (After 7.6% Stamp Duty Adjustment) To compete with builder inventory, the effective resale value is: Selling Price: ₹1.95 Cr 📈 INR gain: ₹21,00,000 (+12.1%) 💵 USD gain: ~$256 (+0.12%) Scenario 3: Resale with Premium over Builder Price Assuming the flat sells for ₹2.05 Cr (≈₹550/sft premium over the builder): 📈 INR Gain: ₹31.00 lakh (+17.8%) 💵 USD Gain: ~$10,807 (+5.3%) To summarize, end users are still making decent gains, slightly better than inflation or bank FD returns. For investors/resellers, it's close to break-even in INR terms(inflation adjusted) but in USD terms, the returns over the last four years have been very low. Notes: • This is a real example. My friend has a ₹70 lakh home loan and interests paid, but for simplicity I've assumed the entire purchase was funded in USD. • Since payments were made in 5 tranches (2022–2026), the USD returns use the exchange rate at each payment date, not a single rate. Pic 1 : Purchase Price Sheet Pic 2 : Current Prices at Builder Price Pic 3: Current Prices at Premium Over builder price @InvestHyderabad @HydSpeaks @hyderabadprop @HydUrbanRealty @realhyderabad86