GST on flats in Mohali
GST on flats in Mohali: when it applies, and when a ready home leaves it out
The banner rate often excludes GST. Whether you owe it depends on the completion paper, not on the salesman’s confidence.
SSP Realty Group · 2 Oct 2026 · Updated 2 Oct 2026 · 6 min read
Desk note with Pankaj Sethi, Co-Founder & Director
GST on flats in Mohali is a frequent last-page surprise. Under the rules buyers have lived with in recent years, GST is charged on many under-construction residential sales and is generally not charged once the home has a completion certificate and is being sold as a ready property. Affordable and other homes have not always shared one rate. The number on your invoice is the one that matters, and it can change if the government changes the schedule.
The split that changes the cheque
- Under construction: budget for GST on top of the base price unless the quote clearly says it is included.
- Ready, with completion certificate: GST is usually not the line you are arguing about. Stamp duty still is.
- A “ready” claim without the certificate is still a construction sale until the paper says otherwise.
- Parking, floor-rise and club charges need the same question: included, or extra, and is tax on them.
When SSP compares a launch with a resale, we put GST on the launch side of the sheet so the two prices are honest. Bring the cost sheet to the desk if you want that done before you token.
Questions people also search
Is GST extra on a ready-to-move flat?
Usually not, if a completion certificate is in place and you are buying from a seller of a finished home. Ask to see why the seller says GST does not apply. Do not skip stamp duty in that saving.
Who pays GST, buyer or builder?
It is charged on the sale. If the builder’s quote is silent, assume it is extra and ask. A verbal “we will bear it” needs to be on the cost sheet.
Does GST apply to a GMADA plot?
A plot of land is a different transaction from an under-construction flat. Do not copy the flat’s GST line onto a plot budget. Confirm the plot’s own charges: transfer, dues and stamp duty.
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- GST on Flats in Mohali | Under Construction vs Ready
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- Does GST apply to your Mohali flat? A plain split between under-construction homes and ready homes with a completion certificate. Confirm the invoice.
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