Loading page…
Know your true cost — stamp duty, GST, LTCG, TDS, and repatriation limits.
Turn on to include loan EMI in your cost breakdown.
Held over 24 months = Long Term Capital Gains at 12.5%
One-time costs at purchase
Base price
₹75 Lakh
Stamp duty (5.0% — Maharashtra)
₹3 Lakh 75K
Registration charges
1% capped at ₹3 L in most states
₹75,000
Legal & documentation
Estimated 0.5% of property value
₹37,500
Total buying cost
₹79 Lakh 88K
Recurring costs per year
Property tax
~0.5% of market value
₹37,500
Society maintenance
₹3,000/month estimated
₹36,000
Total annual cost
₹73,500
Estimated at 7% annual appreciation
Projected sale price
₹1 Cr 5 Lakh
Capital gain
₹30 Lakh 19K
Tax on gain (LTCG 12.5%)
− ₹3 Lakh 77K
Net proceeds after tax
₹1 Cr 1 Lakh
NRI note: Buyer will deduct 20% TDS (₹21 Lakh 4K) at source. Apply for a Lower TDS Certificate from IT Dept to reduce withholding.
Estimates only. Actual costs may vary by state, builder, and transaction structure. Consult a CA or legal advisor before transacting. Appreciation rate (7% p.a.) is illustrative, not guaranteed.