The Magnus Configuration Decision
Lodha Magnus offers three configurations: 2 BHK (1,121 sqft), 3 BHK (1,388–1,451 sqft), and 4 BHK (1,942 sqft). Once you’ve decided Magnus is your project, the next question is which configuration. This guide focuses on the 3 BHK vs 4 BHK decision.
At a Glance
| Factor | 3 BHK | 4 BHK |
|---|---|---|
| Size | 1,388–1,451 sq ft | 1,942 sq ft |
| Price | ₹1.70–1.95 Cr | ₹2.30–2.55 Cr |
| Per sqft | ₹12,000 | ₹12,000 |
| Monthly EMI (75% LTV, 8.5%, 20yr) | ₹1,25,000–1,44,000 | ₹1,70,000–1,89,000 |
| Income required (40% EMI rule) | ₹3.1–3.6L/month (₹37–43 LPA+) | ₹4.3–4.7L/month (₹51–57 LPA+) |
| Monthly rent | ₹50,000–65,000 | ₹65,000–85,000 |
| Gross yield | 3.6–4.6% | 3.5–4.3% |
The Space Question: Who Actually Needs 1,942 sqft?
Magnus’s 3 BHK at 1,388–1,451 sqft is already large by Hinjewadi standards — 25–35% bigger than the typical 3 BHK in the market. Before buying the 4 BHK, be honest about whether you will use the extra 490–554 sqft.
Use cases for the Magnus 4 BHK:
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Family of 5+ — parents + 2 children + grandparent. Four bedrooms solve the multi-generational layout problem.
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Home office as permanent fixture — 1,942 sqft allows a 3-bedroom residential layout + a full home office room. IT professionals expecting to WFH permanently benefit from having a dedicated office with a door.
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Frequent guests or in-laws visiting long-term — a dedicated guest room separate from the family layout
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Two school-going children needing their own study spaces — shared bedroom study works at 1,388 sqft; at 1,942 sqft, separate study rooms are achievable
The 3 BHK is sufficient for:
- Couple with 1 child (master + child + study/office)
- Couple without children who want a generous guest room
- Single executive who wants a boutique premium home
Financial Comparison
Home Loan EMI Impact
| 3 BHK (₹1.82 Cr mid) | 4 BHK (₹2.42 Cr mid) | |
|---|---|---|
| Loan (75% LTV) | ₹1,36,50,000 | ₹1,81,50,000 |
| Monthly EMI (8.5%, 20yr) | ₹1,19,000 | ₹1,58,000 |
| Post-rent net outflow | ₹61,500–69,000 | ₹73,000–93,000 |
Monthly cost difference: ₹39,000/month extra for the 4 BHK. Over 20 years: ₹93.6 lakh extra in EMI outflow.
Rental Payback Analysis
Extra investment for 4 BHK: ₹60 lakh Extra monthly rent from 4 BHK: ₹15,000–20,000/month Payback period: ₹60L / ₹17,500 average = 286 months = 24 years
For a pure rental investor, the 4 BHK premium never pays back in rent within a realistic hold period. The premium is justified only if you will occupy the unit or if the appreciation story at resale includes a 4 BHK scarcity premium.
Which Configuration Is Right for You
| Buyer Profile | Recommendation |
|---|---|
| Couple or small family (≤3 people) | 3 BHK |
| Family of 4 with elderly parent | 4 BHK |
| IT professional WFH 5 days/week | 4 BHK (for dedicated home office) |
| Pure rental investor | 3 BHK (better yield, faster tenant placement) |
| NRI buying for parents with visitors | 4 BHK |
| First-time premium buyer | 3 BHK (lower EMI, more manageable) |
| Senior IT executive, end-use | 4 BHK |
Possession and Resale Liquidity
Both configurations are in the same project (June 2027 possession). Resale liquidity differs:
3 BHK resale: Larger buyer pool — senior IT couples, small families, IT executives. Typical resale time: 4–8 weeks.
4 BHK resale: Narrower buyer pool — must find a buyer who needs the space and can afford ₹2.55 Cr+ for a Hinjewadi apartment. Typical resale time: 8–16 weeks. In a weak market, the wait extends further.
For investors who may need to exit quickly: 3 BHK is the more liquid choice.
Frequently Asked Questions
Q: What is the price difference between Magnus 3 BHK and 4 BHK? ₹60–80 lakh. 3 BHK: ₹1.70–1.95 Cr. 4 BHK: ₹2.30–2.55 Cr. Same per-sqft (₹12,000) — the premium is purely for the extra 490–554 sqft.
Q: Is the 4 BHK worth the extra ₹60–80L? For families of 4–5 or permanent WFH professionals needing a dedicated office: yes. For pure investment or couples: no.
Q: What is the rental income from Magnus 4 BHK? ₹65,000–85,000/month. Gross yield: 3.5–4.3%. Similar to 3 BHK yield — the extra rent does not justify the extra purchase price for pure rental investors.
