Ready to Move Flats in Pune Under ₹60 lakh
Completed flats priced at or below ₹60 lakh across West Pune, ready to register and move into. Below the listings is what a purchase at this budget really costs.
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Share your requirementWhat a ₹60 lakh flat really costs
For a flat in PMC or PCMC limits bought by a man or jointly, with the largest loan RBI rules allow, over 20 years at 7.25% (the lowest advertised rate, October 2026).
- Stamp duty (7%)
- ₹4,20,000
- Registration fee
- ₹30,000
- Largest home loan
- ₹48,00,000
- Down payment
- ₹12,00,000
- Cash needed upfront
- ₹16,50,000
- Monthly EMI
- ₹37,938
- Take-home pay needed
- ₹75,876 a month
A woman buying in her sole name pays 6% stamp duty instead of 7%. Run your own numbers with the stamp duty calculator and the loan eligibility calculator.
Questions buyers ask
How much money do I need upfront for a ₹60 lakh flat?+
About ₹16,50,000: a down payment of ₹12,00,000 (the part of the price a bank will not lend), plus ₹4,50,000 in stamp duty and registration in PMC or PCMC. Budget a little more for legal fees, society charges and moving.
What salary do I need for a ₹60 lakh home loan?+
A loan of ₹48,00,000 over 20 years at 7.25% has an EMI of about ₹37,938. Most lenders keep all your EMIs within about 50% of take-home pay, so that needs roughly ₹75,876 a month in take-home income, on your own or with a co-applicant, assuming no other loans.
Is there GST on a ready to move flat?+
No. GST is not charged on a flat sold after its Occupancy Certificate (or completion certificate) has been issued, and that includes resale flats. Under-construction flats attract GST of 5%, or 1% for affordable housing, on top of the price.
What does ready to move mean?+
The building is complete and you can take possession as soon as the sale is registered. Before you buy, check that the building has its Occupancy Certificate from PMC, PCMC or PMRDA: it confirms the building was completed as approved and is fit to live in.