{"id":34256,"date":"2021-09-09T14:19:01","date_gmt":"2021-09-09T08:49:01","guid":{"rendered":"https:\/\/www.squareyards.com\/blog\/?p=34256"},"modified":"2026-07-03T13:18:18","modified_gmt":"2026-07-03T07:48:18","slug":"stamp-duty-and-registration-charges-in-pune","status":"publish","type":"post","link":"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-pune","title":{"rendered":"Stamp Duty and Registration Charges in Pune 2026 : New Flat, Resale and Complete Rate Guide"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you are buying a property in Pune, stamp duty and registration charges together will add roughly 7 to 8 percent to your total cost. On a Rs 1 Crore flat that is Rs 7 to Rs 8 lakh you need to budget for before you sign anything. Most buyers know these charges exist but are not clear on the exact rates, what the Local Body Tax is about, or whether the rules differ for a new flat versus a resale.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">This guide gives you the current 2026 rates for Pune, Pimpri-Chinchwad and rural areas, a clear calculation method, and specific sections for new flats, resale flats and gift deeds so you can go into any property transaction knowing exactly what you are paying.<\/span><\/p>\r\n<p>{{auto_toc}}<\/p>\r\n<h2><b>What is Stamp Duty in Pune?<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Stamp duty is a state government tax levied on property transactions under the Maharashtra Stamp Act. It validates your sale agreement and makes it legally admissible in court. Without paying it your property transaction cannot be registered and you have no recognised legal ownership.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Pune&#8217;s stamp duty is slightly higher than Mumbai because of an additional component called Local Body Tax (LBT). While Mumbai charges 5 percent base plus 1 percent metro cess, Pune charges 5 percent base plus 1 percent metro cess plus 1 percent LBT, making the total 7 percent for male buyers.<\/span><\/p>\r\n<h2><b>Stamp Duty and Registration Charges in Pune 2026 \u2014 Current Rates<\/b><\/h2>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Buyer Type<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Stamp Duty<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Metro Cess<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Local Body Tax (LBT)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Total<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Registration Charge<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Male buyer (PMC\/PCMC)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">5%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1% max Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Female buyer (PMC\/PCMC)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">4%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">6%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1% max Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Joint (male + female)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">4.5%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">6.5%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1% max Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Joint (both female)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">4%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">6%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1% max Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Joint (both male)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">5%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1% max Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Male buyer (Gram Panchayat)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">4%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">0%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">0%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">4%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1% max Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Female buyer (Gram Panchayat)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">3%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">0%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">0%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">3%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1% max Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p>&nbsp;<\/p>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Key difference from Mumbai: Pune charges an additional 1 percent Local Body Tax (LBT) which Mumbai does not. This is why the effective stamp duty in Pune (7 percent for men) is 1 percent higher than in Mumbai (6 percent for men).<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><b>How to Calculate Stamp Duty and Registration Charges in Pune<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Stamp duty is always calculated on the higher of two values \u2014 your agreement value with the builder or seller, or the government&#8217;s Ready Reckoner Rate for that property. Whichever is higher becomes the taxable base.<\/span><\/p>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Ready Reckoner Rate in Pune increased by 6.8 percent in April 2025 for PMC areas and 6.69 percent for PCMC. Experts expect another 5 to 7 percent revision in April 2026. Always verify the current rate at igrmaharashtra.gov.in before finalising your agreement value.<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h3><b>Calculation Example \u2014 Male Buyer, Rs 85 Lakh Flat in PMC Area<\/b><\/h3>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Item<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Amount<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Agreement value<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 85,00,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Ready Reckoner Rate (if higher, say Rs 88 lakh)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 88,00,000 (used for calculation)<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Stamp duty at 7% on Rs 88 lakh<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 6,16,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Registration charges (capped)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Total stamp duty and registration<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 6,46,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h3><b>Calculation Example \u2014 Female Buyer, Same Property<\/b><\/h3>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Item<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Amount<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Stamp duty at 6% on Rs 88 lakh<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 5,28,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Registration charges (capped)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Total stamp duty and registration<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 5,58,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Saving vs male buyer<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 88,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><b>Stamp Duty and Registration Charges in Pune for New Flat 2026<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">A new flat is typically one purchased directly from a builder or developer. The stamp duty rate for a new flat in Pune is the same as for any other property purchase.<\/span><\/p>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Male buyers in PMC and PCMC areas: 7 percent total (5 percent base + 1 percent metro cess + 1 percent LBT)<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Female buyers in PMC and PCMC areas: 6 percent total (4 percent base + 1 percent metro cess + 1 percent LBT)<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Registration charges: 1 percent of agreement value capped at Rs 30,000<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">For under-construction new flats: GST at 5 percent also applies on the agreement value<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Stamp duty is paid at the time of signing the agreement, not at possession<\/span>\u00a0<\/li>\r\n<\/ul>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>New flat specific note: For under-construction flats you pay GST in addition to stamp duty. GST is 5 percent for properties priced above Rs 45 lakh and 1 percent for affordable housing under Rs 45 lakh. GST goes to the central government while stamp duty goes to the Maharashtra state government. Both are mandatory.<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><b>Stamp Duty and Registration Charges for Resale Flat in Pune 2026<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Buying a resale flat in Pune means buying from a previous owner rather than a builder. The stamp duty rates are exactly the same as for a new flat. There is no reduced rate for resale.<\/span><\/p>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Male buyers: 7 percent (PMC\/PCMC areas) or 4 percent (Gram Panchayat areas)<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Female buyers: 6 percent (PMC\/PCMC areas) or 3 percent (Gram Panchayat areas)<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Registration charges: 1 percent capped at Rs 30,000<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">GST does NOT apply to resale flats \u2014 this is a key saving over new under-construction flats<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Stamp duty calculated on higher of sale agreement value or Ready Reckoner Rate<\/span><\/li>\r\n<\/ul>\r\n<h3><span style=\"font-weight: 400;\">\u00a0<\/span><b>What to Check Before Paying Stamp Duty on a Resale Flat<\/b><\/h3>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Verify the previous owner paid full stamp duty \u2014 check on IGRS Maharashtra<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Get an encumbrance certificate to confirm no loans or disputes on the property<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Confirm the Ready Reckoner Rate for the exact building before fixing agreement value<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Society transfer charges are separate from stamp duty \u2014 usually Rs 25,000 cap for CHS<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Ensure the resale agreement value is at or above Ready Reckoner Rate to avoid income tax issues<\/span><\/li>\r\n<\/ul>\r\n<h2><b>Stamp Duty by Location in Pune \u2014 PMC, PCMC and Gram Panchayat<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">One of the most important things to understand about stamp duty in Pune is that rates differ significantly by location. This is because the Local Body Tax and Metro Cess components only apply in municipal corporation areas.<\/span><\/p>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Location<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Male Buyer<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Female Buyer<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Includes<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>PMC (Pune Municipal Corporation)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">6%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">5% base + 1% metro cess + 1% LBT<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>PCMC (Pimpri-Chinchwad)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">6%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">5% base + 1% metro cess + 1% LBT<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Gram Panchayat (rural Pune)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">4%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">3%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Base rate only, Zilla Parishad cess<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Cantonment areas<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">~7%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">~6%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">On par with PMC rates<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p><span style=\"font-weight: 400;\">Popular Pune areas and their jurisdiction: Baner, Kothrud, Kharadi, Hadapsar, Viman Nagar, Koregaon Park, Pimple Saudagar, Wakad, Hinjewadi are all under PMC or PCMC limits and attract the higher 7 percent or 6 percent rate. Some parts of Wagholi, Pirangut and remote village areas that fall under Gram Panchayat attract lower rates.<\/span><\/p>\r\n<h2><b>Stamp Duty on Gift Deed in Pune<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">A gift deed is used to transfer property to another person without monetary consideration. The stamp duty for a gift deed in Pune depends on the relationship between the giver and receiver.<\/span><\/p>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Relationship<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Stamp Duty<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Registration Charge<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Blood relatives (spouse, parents, children, siblings)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Nominal Rs 200<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1% max Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Non-relatives<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Same as regular sale (6% or 7%)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1% max Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Blood relatives for gift deed in Maharashtra include husband and wife, father, mother, son, daughter, brothers, sisters, and the husband&#8217;s and wife&#8217;s parents. A gift deed to anyone outside this list is treated as a regular sale for stamp duty purposes.<\/span><\/p>\r\n<h2><b>Women Buyer Concession on Stamp Duty in Pune<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Female buyers registering residential property in their sole name get a 1 percent reduction in stamp duty across Maharashtra. In Pune this means paying 6 percent instead of 7 percent.<\/span><\/p>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">The concession applies only when the property is registered solely in a woman&#8217;s name<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Joint ownership with a male co-owner means the male rate of 7 percent applies<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">The concession applies only to residential property, not commercial<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">As of 2026, the earlier restriction that prevented women from selling within 15 years has been removed<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">A Rs 1 Crore flat saves roughly Rs 1 lakh when registered in a woman&#8217;s name vs a man&#8217;s name<\/span><\/li>\r\n<\/ul>\r\n<h2 style=\"text-align: justify;\">How to Pay Stamp Duty Online in Pune<\/h2>\r\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In order to pay stamp duty registration charges in Pune, you must stick to a few steps as described below:<\/span><\/p>\r\n<p><b>Step 1<\/b><span style=\"font-weight: 400;\"> \u2013 Firstly, navigate to the official portal of Maharashtra Stamp Duty Online Payment <\/span>gras[dot]mahakosh[dot]gov[dot]in\/echallan\/<\/p>\r\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-42727 size-full\" src=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-website-3.jpg\" alt=\"gras website\" width=\"860\" height=\"430\" srcset=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-website-3.jpg 860w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-website-3-300x150.jpg 300w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-website-3-768x384.jpg 768w\" sizes=\"(max-width: 860px) 100vw, 860px\" \/><\/p>\r\n<p style=\"text-align: justify;\"><strong>Step 2 \u2013 <\/strong>Secondly, register yourself on the portal.\u00a0<\/p>\r\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-42722 size-full\" src=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/GRAS-Sign-up.jpg\" alt=\"GRAS Sign up\" width=\"860\" height=\"430\" srcset=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/GRAS-Sign-up.jpg 860w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/GRAS-Sign-up-300x150.jpg 300w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/GRAS-Sign-up-768x384.jpg 768w\" sizes=\"(max-width: 860px) 100vw, 860px\" \/><\/p>\r\n<p style=\"text-align: justify;\"><b>Step 3<\/b><span style=\"font-weight: 400;\"> \u2013 If you want to pay without actually registering yourself on the website, then click on the tab \u201cPay without Registration,\u201d then, tap on the option \u201cselect citizen\u201d and the kind of registration you wish to initiate on the new page.\u00a0<\/span><\/p>\r\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-42728 size-full\" src=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-pay-without-registration.jpg\" alt=\"gras pay without registration\" width=\"860\" height=\"430\" srcset=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-pay-without-registration.jpg 860w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-pay-without-registration-300x150.jpg 300w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-pay-without-registration-768x384.jpg 768w\" sizes=\"(max-width: 860px) 100vw, 860px\" \/><\/p>\r\n<p style=\"text-align: justify;\"><b>Step 4<\/b><span style=\"font-weight: 400;\"> \u2013 Next, you will find an option- \u201cPay to register your document.\u201d Here, you can choose to pay solely the stamp duty charge or just the stamp duty registration charges of the property. Or you can also choose to pay both stamp duty and registration fees.<\/span><\/p>\r\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-42729 size-full\" src=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-pay-the-document.jpg\" alt=\"gras pay the document\" width=\"860\" height=\"430\" srcset=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-pay-the-document.jpg 860w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-pay-the-document-300x150.jpg 300w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-pay-the-document-768x384.jpg 768w\" sizes=\"(max-width: 860px) 100vw, 860px\" \/><\/p>\r\n<p style=\"text-align: justify;\"><b>Step 5<\/b><span style=\"font-weight: 400;\"> \u2013 Now that you have chosen the type of payment, you need to enter the correct details such as property details, district, party details, sub-registrar office, and property value details.\u00a0<\/span><\/p>\r\n<p style=\"text-align: justify;\"><b>Step 6 <\/b><span style=\"font-weight: 400;\">\u2013 In the final step, you need to choose the desired payment method and generate the challan.\u00a0<\/span><\/p>\r\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-42730 size-full\" src=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-challan.jpg\" alt=\"gras challan\" width=\"860\" height=\"430\" srcset=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-challan.jpg 860w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-challan-300x150.jpg 300w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2021\/09\/gras-challan-768x384.jpg 768w\" sizes=\"(max-width: 860px) 100vw, 860px\" \/><\/p>\r\n<p><strong>Stamp Duty Charges in Other States<\/strong><\/p>\r\n<table style=\"height: 170px;\" width=\"690\">\r\n<tbody>\r\n<tr>\r\n<td width=\"90\"><strong>State<\/strong><\/td>\r\n<td width=\"181\"><strong>Stamp Duty Charges<\/strong><\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"90\">Maharashtra<\/td>\r\n<td width=\"181\"><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-maharashtra\" target=\"_blank\" rel=\"noopener\">Stamp Duty in Maharashtra<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"90\">Gujarat<\/td>\r\n<td width=\"181\"><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-gujrat\" target=\"_blank\" rel=\"noopener\">Stamp Duty in Gujarat<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"90\">Uttar Pradesh<\/td>\r\n<td width=\"181\"><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-uttar-pradesh\" target=\"_blank\" rel=\"noopener\">Stamp Duty in Uttar Pradesh<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"90\">West Bengal<\/td>\r\n<td width=\"181\"><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-west-bengal\" target=\"_blank\" rel=\"noopener\">Stamp Duty in West Bengal<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"90\">Delhi<\/td>\r\n<td width=\"181\"><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-kolkata\" target=\"_blank\" rel=\"noopener\">Stamp Duty in Kolkata<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"90\">Haryana<\/td>\r\n<td width=\"181\"><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-haryana\" target=\"_blank\" rel=\"noopener\">Stamp Duty in Haryana<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"90\">Rajasthan<\/td>\r\n<td width=\"181\"><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-rajasthan\" target=\"_blank\" rel=\"noopener\">Stamp Duty in Rajasthan<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"90\">Mumbai<\/td>\r\n<td width=\"181\"><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-mumbai-2\" target=\"_blank\" rel=\"noopener\">Stamp Duty in Mumbai<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"90\">Gurgaon<\/td>\r\n<td width=\"181\"><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-gurgaon\" target=\"_blank\" rel=\"noopener\">Stamp Duty in Gurgaon<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"90\">Assam<\/td>\r\n<td width=\"181\"><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-assam\" target=\"_blank\" rel=\"noopener\">Stamp Duty in Assam<\/a><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><b>Stamp Duty on Different Property Types in Pune<\/b><\/h2>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Property Type<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Male Buyer<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Female Buyer<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Notes<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>New flat (PMC\/PCMC)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">6%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">GST 5% also applies for under-construction<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Resale flat (PMC\/PCMC)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">6%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">No GST on resale<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Plot or land (PMC\/PCMC)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">6%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">No GST on land<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Gift deed (blood relatives)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Nominal Rs 200<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Nominal Rs 200<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Registration charges apply<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Gift deed (others)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">6%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Same as regular sale<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Commercial property<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">No gender concession on commercial<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Rural \/ Gram Panchayat<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">4%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">3%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Lower cess structure<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><b>Penalty for Late Stamp Duty Payment in Pune<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Maharashtra introduced a revised penalty structure for insufficient stamp duty as of January 2026. Late or insufficient stamp duty payment attracts a penalty of up to Rs 1 lakh in addition to the deficient stamp duty amount. The earlier 2 percent per month penalty structure remains for older underpaid cases.<\/span><\/p>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Pay stamp duty at the time of executing the document \u2014 not at possession<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Underpayment on any document creates legal risk if the property is sold or disputed later<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">A property with underpaid stamp duty cannot be used as evidence in court<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Verify the Ready Reckoner Rate before signing to ensure your agreement value is correct<\/span><\/li>\r\n<\/ul>\r\n<h2><b>Ready Reckoner Rate in Pune \u2014 What It Means for Stamp Duty<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">The Ready Reckoner Rate is the Maharashtra government&#8217;s assessed minimum value for each property in each locality, updated every April. If your transaction price is below this rate, stamp duty is calculated on the Ready Reckoner Rate anyway.<\/span><\/p>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Pune PMC areas saw a 6.8 percent Ready Reckoner Rate increase in April 2025<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">PCMC areas saw a 6.69 percent increase in April 2025<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Another 5 to 7 percent increase is expected in April 2026<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Verify the exact Ready Reckoner Rate for your building at igrmaharashtra.gov.in<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">For income tax: buying below Ready Reckoner Rate by more than 10 percent makes the difference taxable<\/span><\/li>\r\n<\/ul>\r\n<h2><b>Checklist Before Paying Stamp Duty on Flat in Pune<\/b><\/h2>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Step<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>What to Do<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>1. Check Ready Reckoner Rate<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Verify at igrmaharashtra.gov.in for your specific building<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>2. Confirm jurisdiction<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">PMC, PCMC or Gram Panchayat determines your rate<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>3. Decide buyer name<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Female sole owner saves 1% on stamp duty<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>4. Calculate full cost<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Agreement value or RR Rate (higher one) x applicable %<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>5. Check encumbrance certificate<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">For resale \u2014 verify clean title on IGRS Maharashtra<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>6. Pay on GRAS portal<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">gras.mahakosh.gov.in \u2014 download e-challan receipt<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>7. Book SRO slot<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">igrmaharashtra.gov.in \u2014 book in advance<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>8. Carry all documents<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Agreement, stamp duty receipt, ID, photos to SRO<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><b>Documents Required for Property Registration in Pune<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">When you go to the Sub-Registrar Office in <a href=\"https:\/\/www.squareyards.com\/sale\/property-for-sale-in-pune\">Pune for property<\/a> registration, every document in this list must be present in original plus one self-attested photocopy. A missing document means registration does not happen that day. Both buyer and seller must be physically present.<\/span><\/p>\r\n<h3><b>Documents Required from Both Buyer and Seller<\/b><\/h3>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Document<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Details Required<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Aadhaar Card<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Original mandatory for biometric verification at SRO. Name must match exactly across all documents.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>PAN Card<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Mandatory for all property transactions above Rs 5 lakh. Both parties must submit.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Passport-size photographs<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Two recent colour photographs each. The sub-registrar keeps one and pastes one on the registered deed.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Address proof<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Voter ID, driving licence, latest electricity bill or passport. One original, one photocopy.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h3><b>Core Property Documents<\/b><\/h3>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Document<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Who Provides<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Notes<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Sale Deed or Agreement<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Buyer and seller together<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Printed on stamp paper or e-stamp of correct value. Must be drafted before SRO visit.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Stamp duty payment receipt (e-challan)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Buyer<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Generated from GRAS portal after online payment. Cannot register without this.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Encumbrance Certificate<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Buyer to verify, seller to provide<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Shows property is free of loans, mortgages and disputes. Pull a fresh one close to registration date.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Index II of previous registration<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Seller<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Previous registered sale deed showing how seller acquired the property.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Property card or 7\/12 extract<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Seller<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Revenue record confirming seller as current title holder. Obtain from City Survey Office for PMC properties.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Property tax receipts<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Seller<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Last 3 years showing no dues outstanding.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Society NOC (for flat)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Seller<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">No Objection Certificate from the housing society confirming no dues and permission to transfer.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>RERA registration certificate<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Seller \/ Builder<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">For new flat purchases from builder \u2014 RERA registration number must be verifiable.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Occupancy Certificate (OC)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Seller \/ Builder<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">For completed buildings \u2014 confirms building is legally fit for occupation.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Approved building plan<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Seller \/ Builder<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Shows construction was done with municipal permission.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h3><b>Additional Documents for Specific Situations<\/b><\/h3>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td colspan=\"2\">\r\n<p><b>Situation<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Additional Documents Needed<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<p><b>Resale flat<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Chain of title deeds going back 13 to 30 years, Society share certificate, Maintenance dues clearance<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<p><b>Under-construction flat<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Builder-buyer agreement, Allotment letter, GST payment receipts, Construction-linked payment schedule<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<p><b>NRI buyer or seller<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Valid passport, valid visa or OCI card, NRE or NRO account statement, registered Power of Attorney if not present in person<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<p><b>Inherited property<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Death certificate of previous owner, Succession certificate or probate of will, Family tree affidavit<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<p><b>Property via Power of Attorney<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Registered POA document, Principal and attorney both required for biometric, POA must specifically authorise sale deed execution<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<p><b>Joint ownership<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">All co-owners must be physically present with individual ID and PAN<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<\/td>\r\n<td colspan=\"3\">\r\n<p><b>Critical: Your Aadhaar name must match exactly across all documents. A spelling difference between your Aadhaar and sale deed causes iSarita 2.0 system errors at the SRO and may require you to rebook the appointment. Verify this before you arrive.<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\u00a0<\/td>\r\n<td>\u00a0<\/td>\r\n<td>\u00a0<\/td>\r\n<td>\u00a0<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h3><b>What Happens on Registration Day at Pune Sub-Registrar Office<\/b><\/h3>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Arrive 30 minutes before your booked slot and collect a token number from the counter clerk<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">A scrutiny officer checks your original IDs against the iSarita 2.0 data entered online<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">When called, buyer seller and two witnesses proceed to the sub-registrar desk<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Biometric verification \u2014 thumb impression on digital scanner and webcam photograph are recorded<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">You physically sign two summary sheets \u2014 check all property details and amount before signing<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Registered deed is issued digitally within a few hours to two working days<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Collect the Original Document Return receipt \u2014 you need this to claim your registered deed<\/span><\/li>\r\n<\/ul>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>After registration: Apply for mutation at the PMC ward office or online portal to update ownership in municipal records. Without mutation you cannot pay property taxes in your name or apply for utility connections.<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h3><b>Pune Sub-Registrar Offices \u2014 Key Locations<\/b><\/h3>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>SRO \/ Haveli Number<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Area Served<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Haveli No. 1 \u2014 Shivajinagar<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Central Pune, Deccan, Shivajinagar<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Haveli No. 2 \u2014 Yerwada<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Yerwada, Kalyani Nagar, Viman Nagar, Kharadi<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Haveli No. 3 \u2014 Kothrud<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Kothrud, Warje, Karve Nagar<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>PCMC SRO \u2014 Pimpri<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Pimpri, Chinchwad, Wakad, Pimple Saudagar, Hinjewadi<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Haveli No. 5<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Hadapsar, Undri, Kondhwa<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Haveli No. 23<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Baner, Balewadi, Pashan, Aundh<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p><span style=\"font-weight: 400;\">Your SRO is determined by the location of the property, not your residence address. Verify your specific SRO on igrmaharashtra.gov.in before booking your slot. New SRO offices are added periodically so the above list may not be fully current.<\/span><\/p>\r\n<h2><b>Conclusion<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Stamp duty and registration charges in Pune add 7 to 8 percent to the cost of buying a flat. For a Rs 1 Crore property that is Rs 7 to Rs 8 lakh. Knowing the exact rate for your location and buyer category, and factoring it into your budget from the start, prevents the most common financial surprise in property transactions.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">The single biggest saving available is registering in a woman&#8217;s name. On a Rs 1 Crore flat in PMC area, a female buyer pays Rs 6,00,000 in stamp duty versus Rs 7,00,000 for a male buyer. Same property, Rs 1 lakh difference, just from the choice of whose name goes on the deed.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Pay online through the GRAS portal, verify the Ready Reckoner Rate before fixing your agreement value and book your Sub-Registrar appointment in advance. These three steps make the process smooth.<\/span><\/p>\r\n<!-- \/wp:paragraph --><!-- \/wp:structured-content\/faq-item --><!-- \/wp:structured-content\/faq -->\r\n\r\n<!-- wp:paragraph \/-->","protected":false},"excerpt":{"rendered":"<p>If you are buying a property in Pune, stamp duty and registration charges together will add roughly 7 to 8 percent to your total cost. On a Rs 1 Crore flat that is Rs 7 to Rs 8 lakh you need to budget for before you sign anything. Most buyers know these charges exist but [&hellip;]<\/p>\n","protected":false},"author":71,"featured_media":34283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[210],"acf":[],"_links":{"self":[{"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/posts\/34256"}],"collection":[{"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/users\/71"}],"replies":[{"embeddable":true,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/comments?post=34256"}],"version-history":[{"count":22,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/posts\/34256\/revisions"}],"predecessor-version":[{"id":1088879,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/posts\/34256\/revisions\/1088879"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/media\/34283"}],"wp:attachment":[{"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/media?parent=34256"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/categories?post=34256"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}