Stamp Duty & Registration Charges in Pune (2025): Essential Guide for Buyers & Investors

When you buy a home, it also comes with some unavoidable add-ons. And here, we’re going to talk about an important one: stamp duty and registration charges in Pune. If you’re planning a purchase in this city this year, it’s worth knowing exactly what these charges look like. As you scroll through, you’ll become familiar with them.

These state-imposed costs can take up 7% to 8% of your property value, so they’re not something to overlook in your budget. And with updates on e-stamp certificates, a document handling fee across the state, and a special ₹1,000 duty for senior-living projects, the rules this year affect almost every buyer segment in Pune. Now, let’s break it down step by step.

Pune 2025 at a Glance

Before we dive in, let’s quickly understand what these charges mean. Stamp duty is a tax you pay to the state government when you buy property in order to make the transaction legally valid and register the property in your name. Registration charges are the fees for officially recording the property documents with the government. In short, these two together are what make your ownership official.

Here’s a glimpse of how things are in 2025:

1. Effective Stamp Duty:

For men: 7% total
Stamp duty for male buyers in Pune adds up to 7%. This sum is broken into three components:

• 5% base duty (the standard state levy on property transactions)
• 1% metro cess, which goes toward funding urban transport and metro projects in the city
• 1% local body surcharge (LBT/transport surcharge), collected by the municipal corporation for infrastructure and civic development. Together, these three make up the 7% effective rate.

For women: 6% total
Women buyers enjoy a concession of 1% lower on the base duty, bringing it down to 4%. Adding the same metro cess (1%) and local body surcharge (1%) makes the effective rate 6%.

Note: This concession only applies if the property is solely in a woman’s name or jointly with another woman. If a male co-owner is added, e.g., a husband, brother, or father, the concession is eliminated, and the rate reverts to the standard 7%.

2. Registration Charges

• 1% of property value up to ₹30 lakh
  If your property is priced at or below ₹30 lakh, you’ll pay 1% of that value as the registration fee. For example, on a flat worth ₹25 lakh, registration would cost ₹25,000.
• Flat ₹30,000 for properties above ₹30 lakh
  For higher-value homes (anything above ₹30 lakh), the registration fee is fixed at ₹30,000. So whether you buy a ₹40 lakh apartment or a ₹2 crore villa, the registration fee will be the same ₹30,000.

3. What’s New This Year

• E-stamp certificates – The state has introduced e-stamp certificates with an online processing fee fixed at ₹500
• Document handling fee – Maharashtra has increased the document-handling/processing charge collected during registration to ₹40 per page (state-wide).
  Note*: These rates are indicative. They are not explicitly listed in IGR Maharashtra’s latest notifications and may change depending on property type, ownership structure, or location (PMC, PCMC, Gram Panchayat, etc.).
• Senior-living concession – Under the Maharashtra Housing Policy 2025, eligible senior-living projects now have a flat stamp duty of ₹1,000, making it a big relief for retirement/assisted-living buyers.

Ready Reckoner Rate (RRR/ASR) & Pune’s Local Variations

Before calculating stamp duty, the government refers to the Ready Reckoner Rate (RRR), also called the Annual Statement of Rates (ASR). This is the minimum value fixed by the state for every area, and stamp duty is calculated on whichever is higher: your agreement value or the RRR. For the year 2025–26, Pune follows the latest ASR published by the IGR Maharashtra.

Pune often shows a higher effective duty compared to other cities, and here’s why:

• Within PMC/PCMC municipal areas
  On top of the base duty, buyers also pay an extra metro cess and a local body surcharge (earlier called LBT). These add-ons push the total to 7% for men and 6% for women.
• In Gram Panchayat areas
  Only the base duty applies, which varies between 2% or 3% and 4% or 5%, depending on the area (for rural zones). No metro cess or local body surcharge. That’s why stamp duty is lower in these areas compared to cities.

Pune 2025 Stamp Duty Rate Card

Male buyers (PMC/PCMC limits):

• Base duty: 5%
• Metro cess: 1%
• Local body surcharge: 1%
• Effective duty: 7%

Female buyers (PMC/PCMC limits):

• Base duty: 4%
• Metro cess: 1%
• Local body surcharge: 1%
• Effective duty: 6%

Gram Panchayat areas (Maharashtra):

• Base duty: 3% or 2% (depending on classification)
• No metro cess or local body surcharge
• Effective duty: 3% or 2%

*Note*: No women’s concession if a male is a co-owner.

Registration Charges in Pune

Registration charges in Pune follow statewide slabs:

• 1% of property value if it’s up to ₹30 lakh
• Flat ₹30,000 for properties above ₹30 lakh

Concessions & Special Cases

• Women buyers
  Women get a 1% concession on the base stamp duty. So, instead of paying 5% base duty like men, they pay 4% (which makes the effective rate 6% instead of 7%). This benefit is available only if the property is registered solely in a woman’s name or jointly with another woman.
• Senior-living projects
  Maharashtra’s 2025 housing policy has added relief for retirement housing. Properties that fall under the senior-living category are charged a flat stamp duty of just ₹1,000, no matter the property value. This makes homes far more affordable for elderly buyers.
• Family gift deeds
  If the property is being transferred within the family as a gift deed, for example, from parents to children or between siblings, the stamp duty is heavily reduced. Instead of paying the full rate, you only need to pay ₹200, and this applies to both residential and agricultural properties.

Under-Construction Homes: GST & Timing

If you’re planning to buy an under-construction property, stamp duty isn’t the only extra cost; GST also applies.

• 5% GST on regular homes
• 1% GST for affordable homes (<₹45L, <60 sq. m. carpet area)
• 0% GST once an Occupancy Certificate (OC) is issued

For instance, in Pune, buying a ₹40 lakh under-construction flat would mean an extra ₹2 lakh in GST at 5%, while a ₹60 lakh flat would attract ₹3 lakh in GST.

Once OC is received, GST no longer applies.

How to Pay in Pune

Paying stamp duty and registration fees in Pune is now a lot easier with online and bank-assisted options. Here are the multiple ways you can do it:

• Government Receipt Accounting System Portal (GRAS):
  This is the official state website where you can pay online and instantly generate challans (payment receipts).
• E-stamp certificate:
  You can get a digital stamp paper issued online. There’s a ₹500 processing fee plus a ₹40 handling charge for every page of your document.
• Electronic Secure Bank Treasury Receipt (E-SBTR):
  This works like an e-stamp but is issued through authorised banks. It’s useful if you prefer handling payments through a bank branch.
• Franking:
  A more traditional method where an authorised bank/vendor stamps your property documents. This option is available only at select banks and centres.

Worked Examples: Pune 2025

Case 1: Male buyer, PMC area, ₹40 lakh flat

• Stamp duty (7%): ₹2,80,000
• Registration: ₹30,000
• Total: ₹3,10,000

Case 2: Female buyer, PMC area, ₹60 lakh flat

• Stamp duty (6%): ₹3,60,000
• Registration: ₹30,000
• Total: ₹3,90,000

Tips for Buyers & Investors in Pune

• Budget 7–8% extra in Pune municipal limits for stamp duty plus registration.
• Check the ASR/RRR before finalising; undervaluation isn’t accepted.
• Compare under-construction vs. ready-to-move, as GST can make a big difference here.
• Consider women’s concession: A 1% cut may not seem much, but it can help you save quite a bit on higher-value properties.

FAQs

1. What is the stamp duty in Pune in 2025?
7% for men and 6% for women within municipal limits. (See the table above to understand better.)

2. Is LBT still counted?
Yes, it is included as a local body surcharge in Pune’s effective stamp duty.

3. What is the registration fee cap?
₹30,000 for properties above ₹30 lakh.

4. How can I pay online?
Through the GRAS portal, e-stamp certificates, or e-SBTR via banks.

5. Does the women's rebate apply in joint ownership with a husband?
No. Concession only applies when women are sole or joint owners with other women.

6. Do family gift deeds pay full duty?
No, just ₹200 for residential or agricultural properties.

7. Is GST applicable on under-construction flats?
Yes, it is applicable. A 5% (standard) or 1% (affordable). However, once the OC is issued, no GST is applicable.

8. Can stamp duty be claimed under tax deduction?
Yes, under Section 80C, stamp duty qualifies for deduction up to ₹1.5 lakh, only in the year of payment, but registration fees do not.

Conclusion

So yes, if you’re planning to buy a home in Pune this year, then you’ve got to factor in stamp duty, registration, and sometimes GST charges along with the price of the property. Knowing the rules upfront is essential so there are no last-minute surprises and you can plan your budget and finances accordingly. With Pune’s effective stamp duty at 7% for men and 6% for women within PMC/PCMC limits, the additional costs are significant, but with smart structuring (like registering in a woman’s name or choosing a ready property), you can save a good amount.

*Disclaimer*: Stamp duty, registration charges, and related fees are subject to change by the Government of Maharashtra and may vary by property type, ownership structure, and location (urban vs. rural). The rates and concessions mentioned reflect the latest publicly available data and are updated as of 3rd September 2025. For exact figures applicable to your transaction, please confirm with the IGR Maharashtra office or your legal advisor.

Sources:

• 2025 e-stamp certificate: Magic Bricks, The Times of India, The Indian Express
• Senior-living ₹1,000: Hindustan Times coverage of Housing Policy 2025. Hindustan Times
• GST on UC (1%/5%) & OC exemption: GST Council FAQ + contemporary explainers. Goods and Services Tax Council
• 80C deduction: ClearTax (year-of-payment; ₹1.5L cap). ClearTax