Compare your upfront cost under different UNETRA deposit options before you commit. Figures are estimates; your agreement sets the actual amounts.
A deposit is refundable under your agreement. With Zero Deposit, a partner cover or fee may apply instead. With Secure Deposit, the deposit earns 10% p.a., guaranteed by our partner NBFC — work out your return. Considering a rent-free tenancy instead? Compare it below.
Option A: the landlord holds the deposit. Option B: our partner NBFC holds it and pays the landlord the rent every month. See the deposit each needs and what it really costs you.
Money leaving your account is negative, money coming back is positive. In both options you get the full deposit back.
| When | Normal renting | A · landlord holds | B · NBFC deploys |
|---|---|---|---|
| Day 1 | ₹0 | – | – |
| Each month | – | No rent | No rent |
| Lease end | ₹0 | – | – |
| Net cash out of pocket | – | ₹0 | ₹0 |
| Interest you could earn instead (after tax) | — | – | – |
| Refund in today’s money | — | – | – |
–
Cumulative cost to you. For normal renting it is the rent you pay. For A and B it is the after-tax return you give up by locking the deposit.
| Year | Rent / month | Rent / year | A · your cost | A · you save | B · your cost | B · you save | NBFC pays landlord |
|---|
Method: your cost = deposit × your return × (1 − tax slab), per year. Deposit A = average annual rent ÷ landlord’s return. Deposit B = average annual rent ÷ the partner NBFC’s net yield after losses, costs and margin. No compounding. Landlord tax, stamp duty and brokerage are not included. A planning model, not financial or legal advice.
