True cost of a flat
The flat price is only the start. Enter a price and see every cost a Pune buyer actually pays, plus how much of it must come from your own savings.
Why the price is never the cost
A builder quotes the agreement value. The government, the bank, the society and your own empty flat then add their share.
Two things catch most first-time buyers. First, banks lend against the agreement value only. Stamp duty, registration and deposits come from your savings. Second, these costs are due before or at possession, when you may also be paying rent.
That's why this tool shows two answers: the full cost, and the cash you need in hand.
How we calculate
- Stamp duty is charged on the agreement value or the ready reckoner value, whichever is higher.
- Registration is 1% of the value, capped.
- GST applies only to flats bought before the Occupancy Certificate.
- Maintenance deposit is your monthly maintenance times the months collected in advance.
Every rate is listed on our sources page with its status.
Questions people ask
Is GST charged on a resale or ready flat in Pune?
No. GST applies only while a flat is under construction. Once the building has its Occupancy Certificate, a sale attracts no GST. Stamp duty and registration still apply.
Does the home loan cover stamp duty and registration?
Usually not. Banks lend a share of the agreement value. Stamp duty, registration, deposits and interiors normally come from your own savings, which is why the cash you need is higher than the down payment.
Do women pay less stamp duty in Maharashtra?
Maharashtra offers a concession on stamp duty when a woman buys as the sole owner, with conditions on resale. Check the current rules with IGR Maharashtra before you rely on it.
What is the ready reckoner rate and why does it matter?
It is the government's minimum value for property in each area. If your agreement value is lower than the ready reckoner value, stamp duty is charged on the ready reckoner value.
Tell us what you're looking for. We'll do the shortlisting.
- We call you within one working day. Budget, family needs, office location.
- You get a shortlist. Projects and plots that fit your budget and commute, with the true all-in cost.
- We visit sites with you. And help with the home loan when you're ready.
Free for buyers. When you buy a new flat through us, the developer pays our fee. You pay the same price as buying directly.