Calculate stamp duty, registration fee, metro cess and total acquisition cost for properties in Pune (PMC), Pimpri-Chinchwad (PCMC) and rural Maharashtra. Includes the 1% women buyer rebate.
| Property Price | ₹75,00,000 |
| + Stamp Duty (5%) | ₹3,75,000 |
| + Metro Cess (1%) | ₹75,000 |
| + LBT / Local Body Tax (1%) | ₹75,000 |
| + Registration Fee (1%, capped ₹30,000) | ₹30,000 |
| Total Acquisition Cost | ₹80,55,000 |
We help you plan the full acquisition cost — including the home loan, downpayment, GST, society charges and registration. Free consultation.
Stamp duty is a state government tax payable on registration of any property document. In Maharashtra, it is governed by the Maharashtra Stamp Act, 1958 and is collected by the Department of Registration & Stamps (IGR Maharashtra). For property buyers in Pune, this is one of the largest one-time costs after the property price itself — typically 6–7% of the property value, payable upfront and not financed by home loans.
The total stamp duty bill in Pune today is the sum of four separate components: base stamp duty (5%), metro cess (1%), Local Body Tax / LBT (1% in PMC/PCMC limits), and registration fee (1% capped at ₹30,000). Add these together and a typical Pune buyer pays ~7% of property value as government charges over and above the deal value.
| Location | Stamp Duty | Metro Cess | LBT | Registration | Total (Male) | Total (Female) |
|---|---|---|---|---|---|---|
| PMC (Pune City) | 5% | 1% | 1% | 1% (max ₹30k) | ~7% + ₹30k | ~6% + ₹30k |
| PCMC (Pimpri-Chinchwad) | 5% | 1% | 1% | 1% (max ₹30k) | ~7% + ₹30k | ~6% + ₹30k |
| Other Municipal Corp | 5% | — | 1% | 1% (max ₹30k) | ~6% + ₹30k | ~5% + ₹30k |
| Gram Panchayat / Rural | 3% | — | 1% | 1% (max ₹30k) | ~4% + ₹30k | ~3% + ₹30k |
The Government of Maharashtra introduced a 1% concession on stamp duty for property registered exclusively in a woman's name (or jointly where the woman is the primary owner). This rebate has been extended every year since March 2021 and remains active in 2026.
For a ₹75 Lakh flat in Pune, this rebate alone saves ₹75,000. For a joint purchase, registering the property in the wife's name (or in her name as primary, with the husband as second holder) is one of the simplest, fully legal ways to reduce acquisition cost.
It is calculated on whichever is HIGHER between (a) your agreement value with the builder/seller and (b) the Ready Reckoner Rate (Annual Statement of Rates) notified by IGR Maharashtra for that location. So even if you negotiate a lower deal price, you cannot pay stamp duty on a value below the ready reckoner.
No, banks do not finance stamp duty and registration charges as part of the home loan. You must pay this from your own funds. This is why the actual downpayment requirement in Pune is typically 25–30% of property value, not just the 10–20% LTV gap.
GST applies only on under-construction properties (1% for affordable housing up to ₹45 Lakh, 5% for non-affordable). For ready-to-move-in properties with completion certificate (OC received), GST is not applicable — only stamp duty & registration. So a resale flat or fully-completed new flat incurs no GST.
Yes. Stamp duty & registration charges paid on a residential property purchase can be claimed under Section 80C of the Income Tax Act, up to the overall ₹1.5 Lakh annual limit. The deduction must be claimed in the year of payment.
The actual registration appointment at the Sub-Registrar Office (SRO) takes about 30–60 minutes once your slot is booked online via igrmaharashtra.gov.in. The full process — from payment of stamp duty, slot booking, biometric verification at SRO, to receipt of registered Index II — typically takes 1–2 weeks.