GST, Stamp Duty, and Registration Costs for Homebuyers in Maharashtra

Buying a home is a milestone—and while it's exciting, it’s equally important to be aware of all the financial details involved. At Tharwani Realty, we believe informed buyers are confident buyers. Whether you’re stepping into your first home or upgrading to a new lifestyle, understanding the additional costs—like GST, stamp duty, and registration fees—is essential to planning your budget.

In this blog, we break down these key charges to help you navigate your home-buying journey in Maharashtra with clarity. If you’re considering a reliable builder in Kalyan, we’ll also show you why Tharwani Majestic Towers is worth your attention.

What is GST and How Does it Apply to Homebuyers?

The Goods and Services Tax (GST) is a national indirect tax that applies to the sale of goods and services in India. For real estate, GST is only applicable on under-construction properties:

• 5% GST on standard residential properties (no input tax credit)
   
• 1% GST for affordable housing (no input tax credit)
   

Ready-to-move-in homes that have received a Completion Certificate (CC) are exempt from GST, making them an attractive option for buyers looking to avoid this additional tax.

At Tharwani Realty, we ensure transparency in GST costs—whether you're buying under construction or near-possession flats at Tharwani Majestic Towers.
 

Stamp Duty in Maharashtra (2025)

Stamp duty is a government levy paid to legally validate your property ownership. In Maharashtra, the rates differ based on gender and location:

• 6% for male buyers in urban areas (includes 1% metro cess)
   
• 5% for female buyers (includes 1% concession + metro cess)
   

Example: For a home worth ₹80 lakhs in Kalyan:

• A male buyer pays ₹4.8 lakhs (6%)
   
• A female buyer pays ₹4.0 lakhs (5%)
   

At Tharwani Realty, we frequently introduce festive offers and limited-time schemes that help buyers reduce this financial burden. Stay tuned to our announcements for potential savings.

What is Property Registration Cost?

After paying stamp duty, the final step is property registration, which legally records the sale in government records. In Maharashtra:

• 1% of property value is charged as the registration fee
   
• Capped at:
  
  
  • ₹30,000 for properties priced above ₹30 lakhs
     
  • ₹1,000 for properties below ₹30 lakhs
     

This is a non-negotiable cost and must be paid at the time of signing the agreement. At Tharwani Majestic Towers, our expert team assists with all documentation, ensuring a seamless experience.

Complete Example: Total Cost Breakdown

Let’s say you’re buying a 2 BHK under-construction flat in Tharwani Majestic Towers for ₹80 lakhs. Here’s how the total cost might look:

• Base Price: ₹80,00,000
   
• GST (5%): ₹4,00,000
   
• Stamp Duty (6%): ₹4,80,000
   
• Registration (Capped at ₹30,000): ₹30,000
    Total Outlay: ₹89,10,000
   

That’s nearly ₹9.1 lakhs over the base price—important to budget in advance. With Tharwani, you always get a full financial breakdown up front—no surprises.
 

Are There Any Government Rebates or Benefits?

Yes, Maharashtra provides several buyer-friendly incentives:

• 1% Stamp Duty Concession for Women Buyers
   
• PMAY (Pradhan Mantri Awas Yojana) subsidies for eligible first-time homebuyers
   

At Tharwani Realty, we guide you through the eligibility criteria, documentation, and application process—ensuring you get every benefit available.
 

Why Costs Are Lower with the Right Builder

Choosing a trusted builder like Tharwani Realty offers financial peace of mind:

• No hidden charges or ambiguous costs
   
• Transparent GST and registration details
   
• Access to limited-period discounts or stamp duty waivers
   
• Timely delivery, helping you avoid unnecessary rental expenses
   

Tharwani Majestic Towers combines luxury living with practical pricing and full legal compliance.

How We Support You at Tharwani Majestic Towers

From first visit to final handover, here’s what you can expect:

• Budget planning with accurate cost estimations
   
• Full guidance on stamp duty and GST
   
• Assistance with home loan documentation
   
• Regular project progress updates
   
• Festive offers and price protection, where applicable

Our team is with you at every step, ensuring a smooth transition to your new home.

Conclusion: Plan Smart, Buy Confidently

Homebuying is more than just choosing a layout—it’s about making informed financial decisions. Knowing the impact of GST, stamp duty, and registration fees helps you plan ahead and avoid last-minute stress.

At Tharwani Realty, we prioritize transparency and customer care. If you're exploring real estate in Kalyan, Tharwani Majestic Towers is a project that promises value, quality, and honest pricing.

 Visit: https://tharwanirealty.com/
Explore: Tharwani Majestic Towers – because your dream deserves a solid foundation.