Free calculator
What will this property actually cost me?
Stamp duty, registration, GST and the charges nobody mentions until you are sitting at the sub-registrar's office. Built for Ahilyanagar rates. No signup, no phone number.
Your details
Stamp duty is charged on whichever is higher - your price or the government's reckoner rate. Leave this alone if you do not know it; we will use the price.
Other costs (sensible defaults already filled in)
What you will actually pay
Move the slider and this fills in.
| Property price | ₹0 |
|---|---|
| Stamp duty | ₹0 |
| Registration 1%, max ₹30,000 | ₹0 |
| GST | ₹0 |
| Lawyer, loan, society, moving | ₹0 |
| Total | ₹0 |
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Indicative. Stamp duty is charged on the higher of your agreement value and the Ready Reckoner rate, and rates change. Confirm at igrmaharashtra.gov.in before you pay. We will check it for you free - no brokerage either way.
Work backwards from your income instead — and see what is available in that range.
Four things that catch people out
Negotiated a good deal? Duty is still charged on the government's rate if it is higher. The sub-registrar recalculates at the desk and asks for the difference, which can stall registration by weeks.
A woman buying on her own pays 1% less. Put a husband's name on the agreement alongside and the concession is gone - on a ₹40 lakh flat that is ₹40,000 for the order of two names.
From January 2026 the penalty for paying too little stamp duty runs up to ₹1 lakh, on top of the shortfall. It is no longer a cheap mistake.
If the building has an occupancy certificate, there is no GST at all. Anyone quoting you 5% on a completed flat is wrong, and it is worth checking the OC exists before you argue about it.