Budget 2025-26: What Homebuyers in Pune (and India) Need to Know

Decoding Tax Breaks, Infrastructure Boosts, and Smart Moves for Your Next Home?

Introduction?

The 2025-26 Union Budget has rolled out game-changing policies for India’s real estate sector. For Pune’s homebuyers, this means new opportunities to save, invest, and secure your dream home. Let’s break down the key updates and what they mean for you.?

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1. Tax Reliefs: More Money in Your Pocket?

Key Updates:?

• Zero Tax on Income ≤ ?12 Lakh: No tax for incomes up to ?12 lakh/year, freeing up funds for down payments or EMIs.?

• Two Tax-Free Self-Occupied Homes: Claim tax exemption on?two?properties (vs. one earlier), ideal for Pune buyers eyeing a city home + vacation property.?

• TDS on Rent Threshold Doubled: Landlords earning ≤?6 lakh/year (up from ?2.4 lakh) are exempt from TDS, encouraging rental supply.?

What It Means for Pune:?

• Middle-class families can now stretch budgets for larger homes (e.g., 3BHKs in Wakad or Kharadi).?

• Investors can rent out a second property without tax hassles, boosting Pune’s rental market.?

2. Infrastructure Push: Where to Invest?

Key Updates:?

• ?1 Lakh Crore Urban Challenge Fund: Pune’s Sus Road, Baner, and Chakan to benefit from upgraded roads, water supply, and metro connectivity.?

• Pune Metro Phase 3: ?7,200Cr allocated to connect Hinjewadi IT Park to central Pune, boosting demand in suburbs like Talegaon and Moshi.?

What It Means for Pune:?

• Appreciation Hotspots: Areas near metro corridors (e.g., Wakad, Pimpri-Chinchwad) may see?15-20% price hikes?in 3 years.?

• Rental Yields: IT hubs like Hinjewadi could offer?6-8% rental yields?due to GCC (Global Capability Centre) expansions.?

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3. SWAMIH 2.0: Relief for Stalled Projects?

Key Updates:?

• ?15,000Cr Fund: To complete 1 lakh stalled homes nationally. Pune projects in Kharadi, Wagholi, and Hadapsar likely to revive.?

What It Means for Pune:?

• Buyers in delayed projects (e.g.,?Hinjewadi towers) can expect faster possession.?

• Pro Tip: Use platforms like BeyondWalls to track SWAMIH-approved projects and avoid risks.?

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4. Missed Opportunities & Risks?

• No GST Cuts: Construction costs remain high, keeping home prices elevated.?

• Affordable Housing Cap Unchanged: The ?45L limit excludes many Pune properties, limiting PMAY benefits.?

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5. Strategic Takeaways for Pune Homebuyers?

• Act Early: Prices in metro-connected suburbs (Baner, Sus Road) will rise faster.?
• Leverage Tax Savings: Use extra ?30-50K/month (from ?12L exemption) to upgrade to a 3BHK or reduce loan tenure.?
• Track SWAMIH Projects: Prioritize revived stalled projects for discounts or assured delivery.?

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How BeyondWalls Can Help?

• AI-Powered Insights: Identify budget-impacted hotspots (e.g., areas near metro Phase 3).?

• Stalled Project Alerts: Get real-time updates on SWAMIH-approved properties.?

• EMI Calculators: Optimize your home loan using tax savings.?

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Ready to make your move? Explore Pune’s top budget-friendly projects on BeyondWalls or connect with our experts for a free consultation. Comment below with your questions!