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GST on Property Calculator — Know Your Total Tax on Purchase
Calculate the exact GST on your under-construction property purchase. See the 1% vs 5% difference, plus stamp duty and registration charges — your true cost of buying.
Educational calculators — always consult a licensed professional before making financial decisions.
The price mentioned in the sale agreement (excluding parking and other charges).
GST rates differ significantly based on property type and completion status.
Non-affordable residential — 5% GST applies.
Total Cost (Property + All Taxes)
₹83.25 L
11.0% in taxes & charges on top of property value
Important Notes
- •5% GST applies — no Input Tax Credit (ITC) for builder
- •Applicable for residential property not meeting affordable housing criteria
- •GST is on agreement value excluding land (generally 1/3rd of total value deducted)
Cost Breakdown
GST figures are based on rates effective April 2019. Stamp duty is an estimate — use the Stamp Duty Calculator for state-specific rates. Consult a CA for exact tax liability.
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What you'll need
- ·Agreement / property value (₹)
- ·Property type — affordable, non-affordable, ready-to-move, or commercial
How it works
Enter the property value
The agreement value of the property as stated in the sale deed.
Select property type
Choose between under-construction affordable housing, non-affordable, ready-to-move, or commercial.
See total cost with taxes
Get the GST amount, estimated stamp duty, registration, and total cost of acquisition.
GST Rates on Property Purchase (Post April 2019)
| Property Type | GST Rate | ITC | Stamp Duty |
|---|---|---|---|
| Affordable UC (≤₹45L, ≤90 sqm) | 1% | No | Applies |
| Non-Affordable Under Construction | 5% | No | Applies |
| Ready-to-Move (OC received) | 0% | N/A | Applies |
| Commercial (Under Construction) | 12% | Yes | Applies |
GST is on the agreement value excluding land (land is deemed as 1/3rd of total value for standard residential). Always obtain a proper GST invoice from the builder.
Authoritative resources
Frequently asked questions
What is the GST rate on under-construction property in India?+
As of April 2019, GST on under-construction residential property is 1% for affordable housing (carpet area ≤ 60 sqm in non-metros or ≤ 45 sqm in metros, and price ≤ ₹45 lakhs) and 5% for all other residential under-construction properties. There is no Input Tax Credit (ITC) available to the buyer.
Is GST applicable on ready-to-move homes?+
No. GST is not applicable on ready-to-move (completed) properties where the Occupancy Certificate (OC) has been issued. Only stamp duty and registration charges apply. Always verify that the builder has received the OC before purchase to avoid unexpected GST liability.
How is GST calculated on property purchase?+
GST is calculated on the construction value, which is the agreement value minus 1/3rd (the deemed land value). However, since April 2019, builders must pay GST on the full value without ITC benefit, and typically pass this cost to buyers through the final price. The effective GST shown in the agreement is 1% or 5% of the total agreement value.
What defines affordable housing for GST purposes in India?+
Under GST rules, affordable housing means residential property with: (1) carpet area not exceeding 60 sq. m in metropolitan cities (Delhi NCR, Mumbai, Chennai, Kolkata, Bengaluru, Hyderabad) or 90 sq. m in other cities, AND (2) gross amount charged does not exceed ₹45 lakhs. Both conditions must be met.
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Back to the calculator ↑GST on Property Calculator is built and maintained by the RealCostIQ editorial team. Cost ranges and rates are checked against published industry data and contractor quotes, and revised when the underlying figures move. Read our data methodology or more about who builds this. Every calculation runs in your browser — no account, and none of your inputs are stored.
Cost ranges and rates here are checked against contractor quotes and published industry data. If a number still looks off, email Support@RealCostIQ.com and we'll review and fix it.