GS Developers (A GS Group Company)

Menu
stamp duty and registration charges 2026
Home / Blog / Stamp Duty and Registration Charges in Pune 2026

Stamp Duty and Registration Charges in Pune 2026

Planning to buy a home in Pune? You need to know about stamp duty and registration charges. These are fees you pay to make your property deal legal. This guide tells you everything about rates, how to pay, and ways to save money.

What Is Stamp Duty and Why Do You Pay It?

Stamp duty is a tax the state takes when you buy property. It makes your sale agreement valid in court. Without it, your papers have no legal power.

Registration charges go to the government for putting your deal in their records. This keeps your property safe from fraud. Both charges together form a big part of your home buying taxes breakdown.​

Key points:

  • Stamp duty makes papers

  • legalRegistration keeps records safe

  • Both are must-pay for any property deal​

Stamp Duty Rates in Pune for 2026: Men, Women, and Joint Owners

Rates change based on who buys and where. In PMC and PCMC area stamp duty rates, you pay a mix of base duty, metro cess, and local body tax.

>
Buyer TypeUrban (PMC/PCMC)Gram Panchayat AreasRegistration Fee
Male7% (5% + 1% LBT + 1% Metro)4% (3% + 1% ZP Cess)Rs 30,000 or 1%​
Female6% (4% + 1% LBT + 1% Metro)3% (2% + 1% ZP Cess)Rs 30,000 or 1%​
Joint (Male + Female)6.5%3.5-4%Rs 30,000 or 1%​
Joint (Female + Female)6%3%Rs 30,000 or 1%​

How Does Gender and Location Change Your Costs?

Women save 1% on stamp duty in Maharashtra. This is a government push to help more women own homes. If you add your wife’s name, you pay 6.5% instead of 7%.
Location matters too:

Location matters too:

  • Gram Panchayat property registration rules give lower rates (3-4%)

  • Urban areas like PMC and PCMC charge more (6-7%)

  • Rural MMRDA and Cantonment areas fall in between (5%)

Ready Reckoner Rate vs Agreement Value: Which One Counts?

You pay stamp duty on whichever is higher — your deal price or the Ready Reckoner rate. The Ready Reckoner is the government’s set price for land in each area.

In April 2025, Pune saw a 6.8% jump in Ready Reckoner rates. PCMC went up by 6.69%. Experts think rates may go up 5-7% more in April 2026.​

Why this matters:

  • Even if you get a lower price, you pay duty on the Ready Reckoner rate

  • Higher rates mean higher stamp duty

  • Plan your budget with the higher number in mind

Stamp Duty on Resale Flat in Pune: Same Rules Apply

Buying an old flat? The rules stay the same. You pay based on Ready Reckoner or sale price, whichever is more. Both new and resale flats follow the same stamp duty on resale flat in Pune rules.
For an Rs 80 lakh resale flat, a male buyer pays about Rs 5.6 lakh as stamp duty.

How to Calculate Stamp Duty: Step-by-Step

Here’s how to work out your costs:

  1. Find property value – Check Ready Reckoner rate and your agreement price

  2. Pick the higher value – This is your base for duty

  3. Apply your rate – 7% for men, 6% for women in urban Pune

  4. Add registration – 1% of value or Rs 30,000 (whichever is less)

     

    Example:

    • Flat value: Rs 70 lakh

    • Male buyer: Rs 70 lakh × 7% = Rs 4.9 lakh stamp duty

    • Registration: Rs 30,000 (capped)

    • Total: Rs 5.2 lakh

How to Pay Stamp Duty Online in Pune

Online stamp duty payment Pune is simple through the GRAS Mahakosh portal. No need to visit offices for payment.

GRAS Mahakosh payment steps:

  1. Go to gras.mahakosh.gov.in

  2. Pick “Inspector General of Registration”

  3. Enter property details and amount

  4. Pay via net banking or card

  5. Get e-SBTR receipt​

How to pay IGR Maharashtra challan:

  • Generate challan on GRAS

  • Print and pay at any bank

  • Get receipt for records​

Stamp duty payment receipt download from the portal after payment is done. Keep this safe for registration day.

e-SBTR vs Franking: Which Payment Method to Choose?

Both work for paying stamp duty. Here’s the difference:

>
MethodHow It WorksBest For
e-SBTROnline payment through GRAS portalHigh-value deals, quick processing​
FrankingBank stamps your papersSmaller amounts, walk-in option​
e-SBTR vs franking—both are accepted at registration. e-SBTR is faster and leaves a clear digital trail.​

Documents You Need for Property Registration

Book your SRO office appointment for registration online first. Then gather these papers:

  • Sale deed or agreement

  • PAN card and Aadhaar of buyer and seller

  • Latest property tax receipt

  • Encumbrance certificate

  • ID proof of two witnesses

  • Passport photos

  • Stamp duty payment receipt​

Pune now lets you register at any of 49 SRO offices in the district. This “One District, One Registration” rule saves time.

Stamp Duty Exemption Rules and Savings

Some deals attract lower or no stamp duty:

  • Family gift deeds: Transfer to spouse, children, or grandchildren costs just Rs 200

  • Sibling transfers: Not covered — pay 3% of value

  • Integrated townships: Get 50% rebate on stamp duty

Tax benefit on stamp duty (Section 80C):

  • Claim up to Rs 1.5 lakh deduction

  • Only in the year you pay

  • Covers both stamp duty and registration charges

Pune vs Other Maharashtra Cities: Rate Comparison

>
CityMale BuyerFemale BuyerRegistration
Pune (Urban)7%6%Rs 30,000 cap​
Mumbai6%5%Rs 30,000 cap​
Thane7%6%Rs 30,000 cap​
Nagpur7%6%Rs 30,000 cap​
Pune rates match most of Maharashtra. The 1% metro cess funds the city’s new metro lines.

Common Mistakes to Avoid When Paying Stamp Duty

Many buyers make these errors:​

  • Under-declaring property value – Government checks Ready Reckoner rates

  • Ignoring metro cess – It’s part of the law now

  • Delaying registration – Fines add up fast

  • Relying only on sale price – Ready Reckoner may be higher

  • Skipping mutation – Do it after registration to update records

Your Next Step Toward Homeownership

Stamp duty and registration add 7-8% to your home cost in Pune. Know these charges before you sign any deal. Women buyers and those buying in Gram Panchayat areas save more.

Looking for a home in growing areas like Wagholi, Moshi, or Kesnand? GS Developers helps over 1,500 families find homes that fit their budget and goals.

Read More

×