A 3 BHK gives you more rooms to furnish, but it does not simply cost 1.5 times a 2 BHK. The kitchen stays similar in size, the third bedroom usually gets simpler storage, and a larger share goes into ceilings, lighting and the living room.
Use the calculator for a first number, then read the room-wise ranges to see where your own choices will push it. All prices include GST and are indicative for Bengaluru as of September 2026.
3 BHK interior cost calculator
Room-wise cost ranges
These ranges are for a 1,300–1,500 sq ft 3 BHK. Standard grade uses good laminates with acrylic on a few fronts and branded fittings; premium grade uses acrylic, PU or veneer on most visible surfaces with premium hardware.
| Room | Standard | Premium | Typical scope |
|---|---|---|---|
| Modular kitchen (L-shape, ~12 ft) | ₹2.4–3.2L | ₹3.8–5.5L | Base, wall and tall units, countertop, accessories |
| Master bedroom | ₹1.6–2.2L | ₹2.8–4L | 8 ft wardrobe with loft, bed-back panel, dresser |
| Second bedroom | ₹1.1–1.5L | ₹1.8–2.6L | 6 ft wardrobe, study table with shelves |
| Third bedroom (kids or guest) | ₹0.8–1.1L | ₹1.3–1.9L | 5 ft wardrobe, loft, simple shelving |
| Living room | ₹1.2–1.8L | ₹2.2–3.5L | TV unit, wall panel, ceiling and lights |
| Dining and crockery | ₹0.6–0.9L | ₹1–1.6L | Crockery unit, pendant point, wall finish |
| Foyer, utility and balcony | ₹0.5–0.8L | ₹0.9–1.4L | Shoe unit, utility cabinets, balcony deck |
| Other ceilings, painting and electrical | ₹1.4–2L | ₹2.2–3.2L | Bedroom ceilings, full-home paint, new points |
| Curtains, design and supervision | ₹0.8–1.2L | ₹1.5–2.5L | Soft furnishing, drawings, site management |
| Whole home | ₹10.4–14.7L | ₹17.5–26L | Before extras and contingency |
How a standard budget usually splits
What different budgets buy
Pick the budget closest to yours to see one sensible way to spend it on a 1,300–1,400 sq ft flat. Each plan keeps money aside for surprises.
| Essential grade · ₹8L | Amount | Notes |
|---|---|---|
| Kitchen | ₹200,000 | Laminate on BWP carcass, basic soft-close fittings |
| Three wardrobes | ₹250,000 | Hinged, laminate, lofts |
| TV unit | ₹45,000 | Laminate, 6–7 ft |
| Living-room false ceiling | ₹40,000 | Peripheral with cove light |
| Painting | ₹55,000 | Premium emulsion, full home |
| Electrical and lights | ₹45,000 | New points and downlights |
| Foyer and utility | ₹40,000 | Shoe unit, utility shelves |
| Design and supervision | ₹35,000 | |
| Kept aside for surprises | ₹90,000 | 11% of the budget |
| Total | ₹800,000 |
| Standard grade · ₹12L | Amount | Notes |
|---|---|---|
| Kitchen | ₹280,000 | Acrylic fronts, quartz top, branded hardware |
| Three wardrobes | ₹300,000 | Sliding in master, hinged in others |
| TV unit and panel | ₹90,000 | Panelled wall with profile light |
| False ceilings | ₹90,000 | Living, dining and master bedroom |
| Painting | ₹70,000 | One texture wall |
| Electrical and lights | ₹75,000 | Cove, downlights, extra points |
| Crockery unit | ₹60,000 | 4–5 ft with glass shutters |
| Foyer, utility, balcony | ₹60,000 | |
| Curtains | ₹45,000 | Lined, all rooms |
| Design and supervision | ₹50,000 | |
| Kept aside for surprises | ₹80,000 | 7% of the budget |
| Total | ₹1,200,000 |
| Premium grade · ₹18L | Amount | Notes |
|---|---|---|
| Kitchen | ₹420,000 | U-shape, PU or acrylic, premium hardware |
| Wardrobes | ₹420,000 | Master with dresser, veneer accents |
| Living room | ₹160,000 | Veneer panel, designed lighting |
| False ceilings | ₹150,000 | All rooms, layered in living |
| Painting and textures | ₹90,000 | |
| Electrical and smart switches | ₹110,000 | |
| Dining and crockery | ₹100,000 | |
| Foyer, utility, balcony | ₹90,000 | |
| Curtains and blinds | ₹80,000 | |
| Design and supervision | ₹80,000 | |
| Kept aside for surprises | ₹100,000 | 6% of the budget |
| Total | ₹1,800,000 |
| Luxury grade · ₹25L | Amount | Notes |
|---|---|---|
| Kitchen | ₹540,000 | Large U or island, top-end hardware, sintered or quartz top |
| Wardrobes | ₹540,000 | Walk-in style master, PU or veneer |
| Living and feature walls | ₹250,000 | Stone or fluted cladding, lighting scenes |
| Designer ceilings | ₹220,000 | |
| Paint and wallpaper | ₹130,000 | |
| Home automation | ₹150,000 | Lights, curtains, scenes |
| Dining, crockery, bar | ₹140,000 | |
| Foyer, utility, balcony | ₹120,000 | |
| Motorised curtains | ₹100,000 | |
| Design and project management | ₹130,000 | |
| Kept aside for surprises | ₹180,000 | 7% of the budget |
| Total | ₹2,500,000 |
Wardrobe cost calculator
Wardrobes are priced by the area of the front: width × height. Enter your size, pick the door type and finish, and add the internal fittings you want.
Must-do, nice-to-have and luxury work
Must-do
- Modular kitchen
- Wardrobes in at least two bedrooms
- Electrical points and basic lights
- Painting
- Hob and chimney
- Bathroom mirrors and accessories
Nice-to-have
- TV unit and wall panel
- False ceiling in living and master
- Crockery unit
- Foyer shoe unit
- Cove and profile lighting
- Curtains and blinds
Luxury
- Walk-in wardrobe
- Home automation
- Stone or fluted wall cladding
- Designer ceilings in every room
- Custom furniture pieces
- Imported wallpaper
A three-phase plan that spreads the cost
- Before move-in · 50–60% of budgetPhase 1: storage and servicesKitchen, all wardrobes, electrical changes, painting, utility storage and bathroom accessories. Anything that is dusty or needs walls opened belongs here.
- Months 2–6 · 25–30%Phase 2: comfort layerTV wall, living and master ceilings, crockery unit, foyer, lighting upgrades and curtains. Living in the home first helps you place these better.
- Months 6–18 · 15–20%Phase 3: finishing touchesWall panelling, wallpaper, balcony deck, décor, rugs, art and automation. These are easy to add without disturbing daily life.
Hidden costs to budget for
| Item | Typical amount | Why it appears |
|---|---|---|
| Electrical rework | ₹20,000–60,000 | Moving points and adding circuits for new layouts and appliances |
| Civil fixes | ₹15,000–50,000 | Boxing columns, patching walls, levelling floors |
| Plumbing shifts | ₹10,000–35,000 | Moving a sink or adding a utility point |
| GST | 18% | Often left out of the first quote |
| Material wastage | 5–10% of material | Cutting losses on boards, laminates and tiles |
| Society charges | ₹5,000–25,000 | Deposits, service-lift use, work-hour rules |
| Snag fixes after handover | ₹5,000–20,000 | Hinge adjustment, touch-ups, small replacements |
Eight ways to spend less without cutting quality
- Use one hero finish, such as acrylic kitchen fronts or a veneer TV wall, and quality laminate everywhere else.
- Choose a peripheral cove ceiling instead of full ceilings; it costs roughly half and still hides the lighting.
- Keep the kids and guest wardrobes hinged and laminate. Upgrade the master only.
- Buy ready-made furniture for the guest room; save custom carpentry for fixed storage.
- Collect at least three itemised quotes for the same scope. Prices for identical work can differ by 30% or more.
- Write down every material, size and brand before work starts. Verbal changes turn into "rate differences" on the final bill.
- Avoid starting in the October–December festival rush if you can; firms have more room to negotiate early in the year.
- Phase the work as described above rather than borrowing to do everything at once.
Frequently asked questions
How much should I budget for a 3 BHK interior in Bangalore?
About ₹450–700 per sq ft of carpet area for essential grade, ₹700–1,100 for standard and ₹1,100–1,700 for premium. For a 1,400 sq ft flat that is roughly ₹6–10 lakh, ₹10–15 lakh and ₹15–24 lakh.
What is the minimum budget for a 3 BHK?
Around ₹5–6 lakh covers a laminate kitchen, three hinged wardrobes, painting and essential electrical work in a 1,200–1,400 sq ft flat. It leaves out false ceilings, the TV wall and furniture.
What share of the budget should go to wardrobes?
About 20–24% for all three bedrooms together. Spend more on the master wardrobe and keep the kids and guest wardrobes simple; they are the easiest to upgrade later.
Is a false ceiling necessary?
No. A peripheral ceiling in the living room and master bedroom gives most of the effect and lets you add cove lighting. The kids and guest rooms can skip it.
How long does a 3 BHK interior take?
About 45–60 days for kitchen and wardrobes only, 75–100 days for a full scope, and up to four months for premium work with veneer, PU or custom furniture.
How much contingency should I keep?
Keep 10–15% of the quoted amount for electrical rework, plumbing shifts, uneven walls and small changes. On a ₹12 lakh project that is ₹1.2–1.8 lakh.