When buying a property in Pune, it’s important to know about stamp duty and registration charges, as they form a significant part of your total cost. In Maharashtra, the stamp duty in Pune usually ranges between 6% and 7% of the property’s market value, while registration fees are 1%, limited to Rs. 30,000. Women homebuyers can enjoy a small concession in stamp duty, and there are special benefits for certain affordable housing schemes. Both online and offline payment options are available, and all dues must be settled before visiting the Sub-Registrar’s office to complete the registration process.
What is the stamp duty rate in Pune?
Stamp duty is a mandatory expense during the property transaction. It is based on the ready reckoner rates. Homebuyers must also pay registration charges besides paying the necessary stamp duty. These charges are additional costs that must be accounted for while purchasing a property. Hence, it is imperative to gather information about the same before applying for a home loan to avoid financial inconvenience later.
Stamp duty and registration charges in Pune as per gender |
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Category |
Stamp duty charges |
Registration charges |
Male |
7% (Stamp Duty 5% + Metro Cess 1 % + Local Body Tax 1%) |
1% - For properties below Rs. 30 lakh |
Female |
6% (Stamp Duty 4%+ Metro Cess 1 %+ Local Body Tax 1%) |
1% - For properties below Rs. 30 lakh |
Joint (Male+Female) |
6.50% |
1% - For properties below Rs. 30 lakh |
The stamp duty is 7% for men, 6% for women, and 6.5% for joint property owners in Pune. For convenience, calculate the stamp duty and registration charges by using Bajaj Finserv’s stamp duty calculator.
Once you have a clear picture of these additional costs, you can plan your home purchase budget more effectively. If you are looking to finance your property purchase, a home loan from Bajaj Finserv offers competitive interest rates starting at 7.45%* p.a and flexible repayment tenures up to 32 years. Check your home loan eligibility today. You may already be eligible, find out by entering your mobile number and OTP.
Stamp duty as per area type in Pune
Areas |
Stamp Duty (% of the market value) |
Within the boundaries of a Gram Panchayat |
4% |
Within the boundaries of Municipal Corporation/ Panchayat/ Rural Area under the Mumbai Metropolitan Region Development Authority |
5% |
Within the boundaries of Municipal Corporation/ Cantonment area added to it |
5% |
Property registration charges in Pune
Registration charges are a one-time payment made to record property ownership in government records.
Current rates (2025):
1% of the property’s market value (maximum Rs. 30,000)
Same rate for men and women
Applies to all property types, including freehold and leasehold
Example:
Property value: Rs. 80,00,000
Stamp duty (Male buyer, urban area): Rs. 5,60,000
Registration fee: Rs. 30,000 (maximum limit)
Total additional cost: Rs. 5,90,000
How to calculate stamp duty in Pune
Stamp duty is calculated on the higher value between:
The agreement value (sale price mentioned in the deed)
The ready reckoner rate (minimum government-defined value)
Example: If you buy a 2 BHK flat in Wagholi for Rs. 85 lakh and the ready reckoner rate is Rs. 88 lakh, the stamp duty will be calculated on Rs. 88 lakh.
Concessions and exemptions:
Women buyers: 1% lower stamp duty in urban areas
Affordable housing projects: Reduced reckoner rates in select PMAY schemes
Property gifted to family: Nominal duty of Rs. 200 for close relatives
Rural areas: Lower stamp duty for properties outside municipal boundaries
Payment process for stamp duty and registration in Pune
Online payment:
Visit the IGR Maharashtra website
Generate an e-Challan for payment
Pay via internet banking, credit card, or an authorised bank
Offline payment:
Pay at approved banks or government counters
Use physical stamp papers or franking method
After payment:
Keep payment proof safely
Book an appointment with the Sub-Registrar
Complete biometric verification and sign documents to finalise the registration
With stamp duty and registration now cleared, you are one step closer to owning your dream home. If you need financial assistance to cover your property cost, Bajaj Finserv provides loans up to Rs. 15 Crore* with hassle-free documentation and approval in just 48 hours*. Check your loan offers now. You may already be eligible, find out by entering your mobile number and OTP.
Stamp duty rates: Pune vs Other Maharashtra cities
City |
Urban stamp duty (male) |
Urban stamp duty (female) |
Pune |
7% (5% base + 1% Metro Cess + 1% LBT) |
6% (4% base + 1% Metro Cess + 1% LBT) |
Mumbai |
6% (5% base + 1% Metro Cess) |
5% (4% base + 1% Metro Cess) |
Nagpur |
7% (5% base + 1% Metro Cess + 1% LBT) |
6% (4% base + 1% Metro Cess + 1% LBT) |
Nashik |
7% (5% base + 1% Metro Cess + 1% LBT) |
6% (4% base + 1% Metro Cess + 1% LBT) |
Check other state stamp duty and registration charges |
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Conclusion
Stamp duty and registration fees are essential costs that come with property ownership in Pune. Although they cannot be avoided, they can be managed smartly through accurate calculation and by making use of available exemptions. Planning these costs early helps you avoid last-minute surprises and stay within budget. Whether you’re buying your first home or investing in real estate, knowing how these charges work allows you to make informed financial decisions and complete your property registration smoothly.
Now that you understand the full cost of property ownership in Pune, take the next step towards your dream home. A home loan from Bajaj Finserv can help you finance your property with attractive interest rates, long tenures, and quick approval. With over 5,000 approved projects and doorstep document collection, the process is designed for your convenience. Check your home loan eligibility today. You may already be eligible, find out by entering your mobile number and OTP.
