What does it cost to buy a home in Gujarat, beyond the price?
On a new, under-construction house in Gujarat, expect to pay on top of the price: GST of 5% (1% for affordable housing), stamp duty of 4.9% and a registration fee of 1% (waived for a woman buying in her own name), plus the developer's separate charges and your loan costs. On every ₹10 lakh, stamp duty and registration alone come to ₹59,000.
Buyers compare prices and forget the rest, then find a gap of several lakh on the day of registration. This page lists every cost we know of, with the rate, the source and the date we checked it. It gives no project price; every example is per ₹10 lakh of value.
Written by Kinjal Mehta, civil engineer (MSU Baroda) and partner, TAM Developers.
Published: · Last reviewed:
We build townhouses on this road. Lake Tree Avenue is our project, so read this guide knowing who wrote it.
What are all the costs, at a glance?
| Cost | Rate | Charged on | Paid to |
|---|---|---|---|
| GST (under construction) | 5%, or 1% for affordable housing | The agreement value | The developer, who pays the government |
| Stamp duty | 4.9% | The higher of the agreement value and the jantri value | The government, at registration |
| Registration fee | 1% (waived for a woman buying alone) | The same value | The sub-registrar |
| TDS | 1%, if the price is ₹50 lakh or more | The higher of the price and the stamp duty value | Deducted from the price and paid to the income tax department |
| Development charges | As the developer sets | — | The developer |
| Documentation charges | As the developer sets | — | The developer |
| G.E.B. meter deposit | As the electricity company sets | Your connection | The electricity company, through the developer |
| Loan processing and legal fees | As the bank sets | Your loan | The bank |
| Maintenance | Annual | — | The homeowners' society |
TDS is not an extra cost: it is part of the price, paid to the government instead of to the seller.
How much GST is there on a new house?
On a house bought while it is still being built, GST is 5% of the agreement value, without input tax credit. For affordable housing it is 1%: in a city like Vadodara, which is not one of the notified metros, that means a carpet area of up to 90 square metres and a price of up to ₹45 lakh, both together.
These rates already allow for the land: the law treats one third of the value as land, which carries no GST. The GST rate changes of September 2025 did not change the rates on residential homes.
Once the completion certificate is issued, or the home is first occupied, there is no GST on its sale at all. That is why a ready home and an under-construction home can differ in total cost at the same price.
Per ₹10 lakh: GST at 5% is ₹50,000; at 1% it is ₹10,000.
How are stamp duty and registration worked out?
Stamp duty on a sale deed in Gujarat is 4.9%: a basic 3.5%, plus a surcharge of 40% of that. The registration fee is a further 1%. They are the same for a house and a flat.
Both are charged on the higher of the price in your sale deed and the government's market value for that land, the jantri. The jantri rates in force are those revised on 15 April 2023; a further revision was drafted in late 2024 but, as far as we could find, has not been brought in. Check the current value for a property on the state's GARVI website before you register.
Pay the full duty on time. Since the Gujarat Stamp (Amendment) Act, 2025 came into force on 10 April 2025, unpaid duty attracts a penalty of 2% a month, or 3% a month if the authorities find it, with a minimum of ₹1,000.
If a woman is the buyer: the 1% registration fee is waived when a woman buys in her own name alone. Stamp duty stays at 4.9%. Whether two women buying together also qualify is not clear from the sources; ask the sub-registrar.
Per ₹10 lakh: stamp duty ₹49,000, registration ₹10,000, together ₹59,000.
What does the developer charge on top of the price?
At Lake Tree Avenue, as with most projects, these are payable separately from the price, as the developer's disclaimers say:
- Development charges
- GST
- Documentation charges
- Stamp duty
- The G.E.B. meter deposit
- Other applicable charges
- Maintenance, every year
Ask every project, ours included, for each of these in writing, with an amount, before you pay a booking amount. A price that looks lower can carry higher separate charges. The full text is on the disclaimers page.
What does a home loan add?
The down payment. Banks lend up to 90% of the property's value on loans up to ₹30 lakh, up to 80% from ₹30 lakh to ₹75 lakh, and up to 75% above that. Stamp duty and registration are not counted in that value, so you pay them from your own money.
Bank charges. A processing fee, and often legal and valuation fees. Ask each bank for its schedule; they differ and are sometimes waived.
Interest during construction. On an under-construction home the bank pays the developer in stages, and you pay interest on what has been paid out so far. Ask how your bank handles this.
The home loan guide has the documents and the EMI arithmetic.
What does it cost to live in?
Maintenance. In a gated campus you pay the homeowners' society for security, housekeeping, the garden and street lights. At Lake Tree Avenue it is paid once a year; the amount is not fixed yet.
Property tax. Paid every year to the local body. Ask what it is for the property you are buying.
Electricity and water. Your own bills, metered to your home.
How do you budget for all of it?
- Ask the developer for the price, the booking amount and the payment schedule, with every separate charge listed with an amount.
- Add GST at 5% (or 1% if the home qualifies as affordable) on the agreement value.
- Add 4.9% stamp duty and 1% registration on the higher of the agreement value and the jantri value.
- Subtract the loan the bank will give you; the rest, plus stamp duty and registration, is what you need from savings.
- Keep a margin for loan fees, moving and furnishing.
The rates on this page are as we found them on 12 October 2026, from the sources below. This page has not yet been reviewed by a chartered accountant; when it has, their name will appear here. Confirm the figures for your purchase with your own advisers.
Questions on this topic
What is the stamp duty in Gujarat?
4.9% of the higher of the agreement value and the jantri value: a basic 3.5% plus a 40% surcharge on it. The registration fee is a further 1%.
Is GST payable on a new house?
On a house bought while it is being built, yes: 5%, or 1% for affordable housing. There is no GST once the completion certificate has been issued.
Is there a concession for women in Gujarat?
The 1% registration fee is waived when a woman buys in her own name alone. Stamp duty stays at 4.9%.
Why is there no price on this page?
Because this page is about the costs around the price, which are the same for any home. For the price of a home at Lake Tree Avenue, call or WhatsApp +91 87587 56666.
Where the numbers come from
Every figure on this page was checked on 12 October 2026. Rules and rates change; check them again before you sign.
- GST rates on residential real estate, Notification 3/2019 (TaxGuru)
- GST changes in real estate and construction, September 2025 (EY)
- How the GST cut on under-construction houses works (Business Standard, 2019)
- Gujarat Stamp Act, 1958, as amended (GARVI, Government of Gujarat)
- Registration fee calculation (GARVI, Government of Gujarat)
- Gujarat Stamp (Amendment) Act, 2025 (SCC Online, April 2025)
- Stamp duty and registration charges in Gujarat (HomeFirst, 2026)
- Jantri revision deferred (DeshGujarat, January 2025)
- GARVI: jantri values and stamp duty (Government of Gujarat)
- Section 393 of the Income-tax Act, 2025 (Income Tax Department)
- Loan-to-value limits for housing loans (Reserve Bank of India)
More guides like this
- Documents to check: 7/12, 8-A, NA order, building permission, title, jantri and the agreement to sell, and what each one tells you.
- Plot, carpet and built-up area: What each area figure means, how to compare a house with a flat, and our own plot table.
- Questions to ask before booking: A first-time buyer's checklist, and the usual steps from booking to keys.
Come and stand in it.
A floor plan is a drawing. A picture is a picture. Neither tells you how the living room feels at four in the afternoon.
Tell us when you can come. We will keep the house open, keep an hour free, and walk the avenue with you. Site visits happen every day.