❓ Frequently Asked Questions

The Guideline Rate (also called Circle Rate or Collector Rate) is the minimum government-notified price for property in a given area. It is used to calculate stamp duty and registration fees. The actual transaction must be registered at the higher of the declared price or the guideline rate — you cannot save stamp duty by underreporting price.

Stamp duty in CG (FY 2025-26): 5% for male buyers, 4% for female buyers (1% women concession), 4.5% for joint M+F. Plus 1% local body cess + 0.2% Upkar cess. Total stamp component: ~5.2% female / ~6.2% male.

Separate from stamp duty, registration fee is 4% of property value in CG, paid to the Sub-Registrar at the time of deed registration. Plus a service charge (~₹1,200).

Yes. Section 194-IA of Income Tax Act: Buyer must deduct 1% TDS if property value exceeds ₹50 Lakh. Deposit via Form 26QB within 30 days. Failure attracts interest + penalty.

Only on under-construction property: 5% (without ITC) for residential, 1% for affordable housing < ₹45L. Ready-to-move (with completion certificate) has NO GST. Land sales never attract GST.

In CG, female buyers get 1% concession on base stamp duty (4% instead of 5%). On a ₹1 Cr property, this saves ₹1 Lakh. Buy in your wife/mother's name to save.

Mutation (Naam Antaran) is the process of transferring property ownership in municipal/revenue records after a sale or inheritance. It updates the Khatauni record. Without mutation, you legally own the property but municipal records still show the previous owner. Must do after every sale or death.

Visit epanjeeyan.cg.gov.in (official CG portal) OR use our Guideline Rates search covering 662+ entries across Raipur, Birgaon, Kunra wards + 104 villages.

EC shows the complete chain of registered transactions on a property over a period (usually 13-30 years). Apply at Sub-Registrar office for ~₹250. Critical before buying any property — confirms there are no mortgages, liens, or disputes.

Khasra: A unique survey number identifying a parcel of land in revenue records (with area, boundaries, soil type). Khatauni: A record showing the owner(s) of a Khasra (Form B-1). Both are issued by Patwari (revenue inspector). Get the digitally-signed online version from CG land records portal.

A Patwari Halka is a revenue administrative unit covering a few villages, headed by a Patwari. Every property has a Patwari Halka number. For example, Mathpurena = Halka 105, Mowa = Halka 39/45/109.

Long-Term (>2 years holding): 20% tax on indexed capital gains. Short-Term (<2 years): Slab rate. Save tax by reinvesting in another residential house (Sec 54), in NHAI/REC bonds (Sec 54EC, up to ₹50L within 6 months), or in Capital Gains Account Scheme.

Indexation adjusts the purchase cost for inflation using the Cost Inflation Index (CII) published by CBDT. Example: ₹10L purchase in FY 2001 (CII=100) becomes effective ₹39L in FY 2025 (CII=390). Without indexation, all gain (₹15L sale − ₹10L cost = ₹5L) would be taxed. With indexation, gain (₹15L − ₹39L) = -₹24L = no tax, in fact a loss to set off.

Bigha is a non-standard traditional unit. Each state defines it differently — CG/Bihar/MP/UP/Bengal all have different sizes. CG uses ~27,225 sqft for 1 Bigha (same as Bihar). Always confirm the local definition before any transaction.

PAN card, Aadhaar, passport-size photos (both parties), original sale deed (draft), index registration ID for prior owner, latest khasra/khatauni, encumbrance certificate, property tax receipts (paid up to date), bank passbook copy for cheque payments, and any agreement to sell. Take a registered advocate for drafting.

At the Sub-Registrar office in whose jurisdiction the property lies. For Raipur city, there are 3 SR offices (SR-1, SR-2, SR-3) covering different wards. Both buyer and seller must be physically present (or represented via valid POA) with photos and IDs. Bring 2 witnesses with ID proof.

Carpet area: Pure usable internal floor area (after walls). Built-up: Carpet + walls thickness (~15% extra). Super area: Built-up + share of common areas (lobby, lifts, parking, gardens — ~25-35% extra). RERA mandates carpet area disclosure; don't buy based on Super area alone.