Indian real estate, explained properly.
How property is bought, rented, sold and financed in India — and how the businesses in between actually work. Written by someone who has spent eighteen years inside the industry, for anyone trying to understand it. Every figure sourced. No listings. No leads. Nothing for sale.
For buyersFor sellersFor tenants and landlordsFor investorsFor professionals
Start here
The money map of an Indian property transaction — who actually gets paid, and how much.
How Indian real estate worksWho pays whom in an Indian property deal
Six parties take money out of every transaction, and only one of them is the seller. On a ₹1.1 crore flat in Noida, about 13% of the price goes to the government before a rupee reaches the seller. On the same flat as a resale, 8%.
Read the full breakdown →The rules, state by state
Stamp duty, registration fees, tenancy law, land records and the local traps — each one sourced to the Act, the notification or the government portal, with the date we last checked it and an honest note where we could not confirm something.
Uttar Pradesh
Why registering the same flat in Noida costs more than in the rest of the state, and what the Tenancy Act 2021 changed for deposits and notice.
DLDelhi
6% and 4% is stamp duty and transfer duty together — not two separate bills. Plus circle rates, the DORIS to NGDRS split and PM-UDAY.
HRHaryana
5% rural, 7% urban, and the 2% a woman buyer saves. Two RERA authorities, DTCP licences, and what EDC actually pays for.
MHMaharashtra
Three duties stacked into one line. A women’s concession with no ceiling, and leave-and-licence registration the law puts on the landlord.
KAKarnataka
What A Khata and B Khata actually are in law — section 108A(3) — and the registration fee that quietly doubled in 2025.
→Compare all five
What the same ₹80 lakh flat costs to register in each state, side by side, with every step of the arithmetic shown.
Every term, explained properly
Khata, EDC, mutation, encumbrance, carpet area, deemed conveyance, OC and CC. The words that decide what you are signing — each with what it means, why it matters, and where people get caught. Open the glossary.
Carpet, built-up, super built-up
Three numbers for one flat. Only one is floor you can walk on — and only one is what RERA obliges a builder to sell on.
TITLEA Khata, B Khata, e-Khata
A khata is a property tax record, not a title document. B Khata is a separate register that confers no legal status at all.
PAPEREC, OC, CC and mutation
The four documents people skip and later litigate over. What each one proves — and, just as important, what none of them proves.
Learn it properly, section by section
Each section builds from the ground up — the terms, the documents, the numbers and the traps.
How it works
The ecosystem: brokers, portals, no-brokerage platforms, builders, channel partners — and what each one is paid for.
02Buying
From first shortlist to registry and mutation. What each stage costs and what can go wrong at it.
03Renting
Both sides of a tenancy. Deposits, agreements, permitted deductions, notice periods.
04Resale
Selling and buying a completed home, and the paperwork the whole thing turns on.
05Legal and documents
RERA, registry, khata, encumbrance, leasehold — explained in plain language, with checklists.
06City markets
City by city, on official index data and registry records rather than asking prices.
When the law changes, it is recorded here
Almost everything written about Indian property law goes out of date on the day it changes, and stays wrong for months. This is where the correction lives — dated, sourced, reviewed monthly.
The Income-tax Act, 1961 was replaced
Section 194-IA no longer exists. The 1% TDS on property is now section 393(1), and Form 26QB is now Form 141. The rates did not change — the numbering did.
1 January 2026Prepayment charges banned on floating-rate home loans
No foreclosure charge on a floating-rate loan to an individual, from any lender, with no lock-in — balance transfers included.
Work out your own numbers
Six calculators, free, no login. Everything runs in your browser — nothing you type is sent anywhere or stored.
Home Loan EMI & Eligibility
Monthly payment, amortisation, and how much loan your income actually supports.
Stamp Duty & Registration
15 states, including women-buyer concessions and where the thresholds sit.
Rental Yield & ROI
Net yield after maintenance, tax, repairs and vacancy — not the headline number.
Capital Gains
Long and short term, with the grandfathering option and reinvestment relief.
Brokerage, GST & Take-Home
Commission down to what actually reaches the account, after GST and TDS.
Buy vs Rent
Net worth under both paths over thirty years, on assumptions you can change.
How this site works
Every figure carries a source and the date it was verified. Fact, interpretation and opinion are labelled separately and never blended. Where something could not be confirmed, the page says so instead of guessing — most articles carry a “what we could not confirm” section.
If a number here is wrong, write in and it will be corrected publicly, with the correction dated. A broken number is worse than no number.
- No listings. You cannot find a property here.
- No leads. Your details are not collected for sale or passed to anyone.
- Nothing for sale. No course, no consultation, no affiliate links.
- No opinions dressed as facts. If it is a judgement call, it says so.
Who writes this
Mithun Srivastava. Eighteen years at Info Edge (India) Limited — the company behind 99acres.com — working in the Indian property market. Real estate is not only the job; it is the thing worth explaining properly. This is a personal site: the views are his own, no employer data is used anywhere on it, and it is not an official communication of any company. More about the site and how it is written →