Home Renovation Calculator — Calculations & Slabs for FY 2026-27

Cities are classified based on cost of living and labor wages: 1) Metro: Mumbai, Delhi NCR, Bangalore, Chennai, Pune, Hyderabad, Kolkata. 2) Tier-1: Ahmedabad, Jaipur, Lucknow, Kochi, etc. 3) Tier-2: Vadodara, Indore, Patna, etc. 4) Tier-3: Smaller towns and rural centers.

Yes. Works contracts, which involve a combination of labor and materials for construction, renovation, or repair of immovable property, attract a statutory Goods and Services Tax (GST) rate of 18% under Indian tax laws. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

Basic includes vitrified tile flooring, OBD paint, standard laminate cabinets, and basic bath fittings. Premium includes Italian marble or wooden flooring, premium emulsion paints, modular kitchen cabinets with quartz countertops, false ceilings, and luxury sanitaryware. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

Yes. Most major public and private sector banks in India offer dedicated Home Renovation Loans (sometimes called Home Improvement Loans). These are usually offered at interest rates similar to standard home loans, which is much cheaper than personal loans. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.