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What’s new at Ghar Ka Budget

Every new calculator, city guide, rate refresh and correction — dated and logged in the open. Real numbers only work if you know when they were last checked, so we keep the receipts here.

Rates are refreshed quarterly (January / April / July / October) and on material price spikes. When we get something wrong, the correction is logged here too — see our methodology & sources.

July 2026

City guide12 Jul 2026

Meerut & Varanasi guides — UP cluster complete

Meerut with its Seismic Zone 4 detailing rules and RRTS corridor effect; Varanasi with ghat heritage-zone rules and the old-city gali logistics premium. 26 cities covered.

City guide12 Jul 2026

Kanpur construction cost guide

Area-wise rates from Swaroop Nagar to the Bithoor Road belt, KDA/KMC approvals, UP stamp duty and the brick-kiln belt advantage. 24 cities covered.

New page12 Jul 2026

Mumbai, Pune & Bangalore city hubs

Everything for your city on one page — construction, interiors, renovation, redevelopment and the end-to-end 2BHK cost journey with every number linked to its source guide.

City guide4 Jul 2026

5 new city construction guides

Nashik, Vadodara, Visakhapatnam, Rajkot and Chandigarh tri-city — area-wise rates, state stamp duty, approval authorities and city-specific risks. 23 cities covered.

Rate update4 Jul 2026

Q3 2026 rate refresh

Rate labels and material price tables across every calculator and city guide moved to Q3 2026. Historical survey windows preserved and marked.

June 2026

GuideJune 2026

Monsoon, renovation & item-rate guides

Terrace waterproofing, wall seepage repair, flat renovation cost (Mumbai & Pune), tile laying per sqft and 2/3BHK electrical wiring guides.

CorrectionJune 2026

GST brick rate corrected

Brick GST corrected to 12% with ITC per CBIC Notification No. 14/2025 across affected guides. We log corrections openly.

May 2026

Calculator16 May 2026

Society Redevelopment calculator

Mumbai DCPR 2034 — Reg 33(7)/(7A)/(7B)/(9)/(10)/(20A). Computes member entitlements and developer margin to tell you if the offer is fair.

Guide16 May 2026

LTCG property sale playbook

Budget 2024 dual-regime explained: 12.5% no-indexation vs 20% with indexation, plus Section 54 / 54F / 54EC exemption planning. Paired with the LTCG calculator.

Calculator14 May 2026

Balance Transfer, PMAY 2.0 & Rental Yield calculators

Refinance break-even after the RBI rate cut, the ₹1.80L PMAY 2.0 subsidy check with all 6 disqualifiers, and honest gross/net/after-tax rental yield.

Calculator8 May 2026

Prepay vs SIP calculator

Got a home loan and monthly surplus? Models prepaying vs investing, with Section 24 tax benefit. Verdict in numbers.

City guide8 May 2026

Bhopal, Patna & Ranchi guides

Black cotton soil in Bhopal, Seismic Zone 4 detailing in Patna, CNT/SPT land-law risks and the Tata Tiscon steel advantage in Ranchi.

Feature7 May 2026

EMI vs Rent + Verify with AI

EMI vs Rent break-even calculator with year-by-year wealth comparison. Every calculator gained shareable result links, PDF reports and a curated 'Verify with AI' prompt.

New page7 May 2026

Methodology & sources published

How every number is sourced — CPWD SOR, MOSPI WPI, state IGR portals, RBI disclosures — with last-verified dates and a quarterly refresh policy.

Calculator5 May 2026

Renovation calculator suite

Waterproofing (6 methods with lifespan comparison), Bathroom Renovation, Modular Kitchen and Plot Viability calculators.

City guide5 May 2026

Five Tier-2 city guides

Lucknow, Indore, Surat, Nagpur and Coimbatore construction cost guides with locality-wise rates.