Understanding the full cost of buying property goes beyond the sticker price. Here's your complete guide to stamp duty and registration charges in Pune for 2025.
Current Rates (as of January 2025): - Stamp Duty within PMC limits: 7% (5% stamp duty + 1% metro cess + 1% LBT) - Stamp Duty in PCMC area: 6% - Registration Fee: 1% (capped at ₹30,000)
Women Buyer Benefit: If the property is registered solely in a woman's name, stamp duty is reduced by 1%. For a ₹1 Cr property, that's a saving of ₹1 Lakh!
Example Calculation (₹80 Lakh property in PMC): - Stamp Duty (7%): ₹5,60,000 - Registration (1%): ₹30,000 (capped) - GST (if under construction): 5% = ₹4,00,000 - Total additional cost: ~₹9,90,000
Pro Tips: 1. Always get a ready reckoner rate valuation before negotiating 2. Keep all payment records for home loan tax benefits under Section 80C and 24(b) 3. Register the property within 4 months of execution of agreement
At CitySales Realty, we provide a complete cost breakdown sheet for every property, so there are zero surprises.
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