What is Stamp Duty and Why It Matters
Stamp duty is a state government tax on property transactions. When you buy a flat in Pune, you pay stamp duty on the agreement value — and it is one of the largest additional costs beyond the property price. Understanding it before finalising your purchase prevents budget surprises.
Stamp Duty Rates in Pune, Maharashtra 2025
| Buyer Type | Stamp Duty | Registration | Total |
|---|---|---|---|
| Male Buyer | 6% of agreement value | 1% max ₹30,000 | ~7% |
| Female Buyer | 5% of agreement value | 1% max ₹30,000 | ~6% |
| Joint (M+F) | 5.5% | 1% max ₹30,000 | ~6.5% |
Rates subject to change. Verify with your developer before finalising.
Female Buyer Advantage — Save ₹85,000+
If the female member of a couple is the primary buyer (first name on agreement), you save 1% stamp duty. On an ₹85L flat: ₹85,000 saved. Simple, legal and widely used.
Example: ₹85 Lakh Flat at The Titan Towers
| Component | Female Buyer | Male Buyer |
|---|---|---|
| Stamp Duty | ₹4,25,000 | ₹5,10,000 |
| Registration | ₹30,000 | ₹30,000 |
| Total | ₹4,55,000 | ₹5,40,000 |
GST on Under-Construction Flats
GST at 5% of agreement value applies to under-construction properties (not yet OC). This is in addition to stamp duty and registration. Confirm whether the quoted price is GST-inclusive with the developer. Contact: +91 7517 9999 44. RERA: PR1261012601027.
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RERA: PR1261012601027 · Near Bishop's School · Undri, Pune