Stamp duty in Maharashtra 2026: how to actually calculate it
Most buyers underestimate the stamp duty + registration burden by ₹5–15 lakhs. Here's the exact breakdown of what you'll pay on a Pune property in 2026 — including the women-owner discount most buyers miss.
The sticker price on a Pune flat is never what you actually pay. Stamp duty alone adds 6%, sometimes more. Here's how to calculate it properly.
The 2026 rates
For property in Pune municipal limits: - Stamp duty: 6% (5% base + 1% LBT + 0% Metro cess for now) - Registration: 1% (capped at ₹30,000 in some cases) - GST on under-construction: 5% (1% on affordable units below ₹45L)
For a ₹1 Cr flat: stamp duty ₹6L + registration ₹30k + GST ₹5L = ₹11.3L on top.
The women-owner discount most buyers miss
If the property is registered solely in a woman's name, stamp duty drops to 5% from 6%. On a ₹1 Cr flat, that's ₹1L saved.
Joint registration (man + woman): no discount. Solo woman registration: 1% off.
Ready vs under-construction
Under-construction: GST applies (5% standard, 1% affordable). Ready-to-move with OC: no GST. Saves you 5% on the full price.
A ₹1 Cr ready flat costs ~₹5L less than the same flat under construction — if you can find one.
The real total
For a ₹1 Cr under-construction flat in Pune: - Sticker: ₹1,00,00,000 - Stamp duty (6%): ₹6,00,000 - Registration (1%): ₹1,00,000 - GST (5%): ₹5,00,000 - True total: ₹1,12,00,000
Plan for 12% on top of sticker. Anyone telling you otherwise is hiding something.
Use our calculator to see this in real time for any flat.