Big Dreams, Smart Plans: Making a ₹2 Crore Home a Reality

Buying a ₹2 crore home may seem ambitious, but it’s achievable with smart planning, especially for dual-income families in high-paying sectors.

Take the case of Bengaluru-based IT couple Raktim and Rupsa Mitra, who recently bought a ₹2 crore flat with a combined annual income of ₹75 lakh. With an 80:20 loan-to-down payment ratio, they took a ₹1.6 crore loan at 8.5% interest over 20 years, resulting in an EMI of approximately ₹1.4 lakh/month.

To afford such a commitment, financial experts suggest your EMIs should not exceed 40–45% of your monthly income. That means you should be earning ₹3–3.5 lakh/month (₹36–42 lakh/year) to comfortably manage the EMI without straining your finances. While ₹10 crore luxury apartments may be out of reach for most salaried professionals, a ₹2 crore home is within grasp with disciplined saving, minimal existing liabilities, and a stable, growing income.