One of the first decisions every home buyer in Pune faces is whether to buy a ready-to-move flat or an under-construction flat. The choice affects how much you pay, how much tax you pay, how long you wait and how much risk you take. This guide compares the two side by side, with examples from the projects on the Mappingg live map.
The quick comparison
| Factor | Ready-to-move | Under-construction |
|---|---|---|
| Price | Usually higher | Usually lower, especially at launch |
| GST | None, once the occupancy certificate (OC) is issued | 5% (1% for affordable housing), without input tax credit |
| What you see | The actual flat, view and neighbours | A sample flat and a brochure |
| Move-in / rent | Immediately; rent or EMI starts at once | Wait 2–5 years; you may pay rent and pre-EMI together |
| Risk | Low: the building is finished | Delay and specification risk |
| Payment | Large lump sum or full loan up front | Spread over construction stages |
| Choice of unit | Limited to what’s left | Wider choice of floor, view and layout |
GST rates are as in force in October 2026. Stamp duty and registration charges apply in both cases.
When a ready-to-move flat makes sense
- You’re paying rent today. Moving in immediately saves you from paying rent and an EMI at the same time.
- You want certainty. You can check the actual flat, the light, the view, the water supply and the neighbours before you pay.
- You want to avoid GST. A completed flat with an occupancy certificate attracts no GST, which can offset part of the higher price.
Examples on our map include Austin One in Pimple Saudagar (possession done), Marvel Bounty 2 in Hadapsar (ready possession), and projects nearing possession such as Wadhwa - Solitaire, Eternia 2.0 and Marvel Aquanus.
| Project | Configuration | Starting price | Possession | MahaRERA no. |
|---|---|---|---|---|
| Austin One Austin & Kriplani | 3bhk 4bhk | ₹ 2.02 – 2.88 Cr | Possession Done | P52100029297 |
| Marvel Bounty 2 Marvel Realtors | 3.5 BHK | ₹ 2.75 Cr Onwards | Ready Possession | — |
| Wadhwa - Solitaire Wadhwa Group | 2 BHK | ₹ 1.2 Cr Onwards | Nearing Possession | — |
| Eternia 2.0 Kundan Spaces | 2 / 3 / Jodi 4 BHK | ₹ 1.20 Cr Onwards | Nearing Possession | — |
| Marvel Aquanus Marvel Realtors | 3.5 / 4.5 BHK | ₹ 3.83 Cr Onwards | Nearing Possession | — |
When an under-construction flat makes sense
- You don’t need to move in soon, for example if you’re buying to invest or planning ahead.
- You want a lower entry price and a payment plan spread over construction stages.
- You want first pick of floor, view and layout.
To reduce the wait, look at projects due within a year. Several on our map have December 2026 possession dates, such as Abhimaan Vishwa in Chikhali, Sparkle Youthika in Lohegaon, KP SUPERNOVA in NIBM and Austin Yana in Tathawade.
| Project | Configuration | Starting price | Possession | MahaRERA no. |
|---|---|---|---|---|
| Abhimaan Vishwa Royal Group | 1-2BHK | ₹ 30 – 45 L | Dec 2026 | PM1260002500915 |
| Sparkle Youthika Sparkle Realty | 2 / 3 BHK | ₹ 65 – 82 L | Dec 2026 | P52100000051202 |
| KP SUPERNOVA KANIFNATH REALTORS | 2 BHK / 3 BHK | ₹ 0.9 – 1.4 Cr | Dec 2026 | PM1260002501030 |
| Austin Yana Austin Realty | 2 BHK / 3 BHK / 4 BHK | ₹ 0.96 – 2.21 Cr | Dec 2026 | P52100077489 |
| KIMAYA ONE Kimaya Group | 2 BHK / 4.5 BHK | ₹ 1 – 2.5 Cr | Dec 2026 | PM1260002500110 |
| Aeternaa Koral Realty | 2 BHK / 3 BHK | ₹ 1.04 – 1.43 Cr | Dec 2026 | P52100077052 PR1261012601494 |
How to reduce the risk of an under-construction flat
- Buy only MahaRERA-registered projects, and check the RERA completion date, not just the brochure’s. Here’s how to check a MahaRERA number.
- Check the developer’s delivery record on their past projects. See the developers page.
- Look at construction progress in the quarterly updates on MahaRERA, and visit the site.
- Prefer construction-linked payment plans, and read the cancellation and delay-compensation clauses in the agreement for sale.
- Budget for rent and pre-EMI together until possession.
Checklist for a ready-to-move flat
- Ask for the occupancy certificate (OC). Without it, the flat is not legally complete and GST may still apply.
- Check the society formation status, maintenance charges and any pending dues.
- Inspect for seepage, finishing quality and water pressure.
- For a resale flat, check the chain of title documents with a lawyer.
FAQs
Is GST charged on ready-to-move flats?
No. GST does not apply to a flat sold after the occupancy certificate has been issued. Under-construction flats attract 5% GST (1% for affordable housing).
Are under-construction flats cheaper?
Usually, yes, especially at launch. But add GST, the rent you’ll keep paying until possession and the risk of delay before comparing.
How do I find ready-to-move projects in Pune?
Filter by status on the map, or browse ready-to-move, under-construction and upcoming projects.
This guide is general information, not tax or legal advice. Tax rates and project details can change, so confirm them with a professional, the developer and MahaRERA before you book.