Buying a home in Ranchi is easier when you follow a clear process. Use this GharDvar checklist—from budgeting to registration—to avoid common pitfalls.

Step 1: Plan your budget and loan

  • Fix a budget range and preferred EMI (many aim for 30–40% of net monthly income)
  • Get a home‑loan pre‑approval to strengthen your offer
  • Account for stamp duty, registration fees, brokerage (if any), and interiors

Step 2: Shortlist neighborhoods

  • Consider commute, schools/colleges, hospitals, markets, water supply, and parking
  • Explore Kanke Road/Morabadi, Bariatu, Lalpur, Doranda/Hinoo, Ashok Nagar, Harmu, Ratu Road
  • Tip: See our area guide: Best Areas to Buy Property in Ranchi (link)

Step 3: Do thorough due diligence
Document checklist (varies by property type; verify with your lawyer):

  • Title documents: Mother deed/previous sale deeds (clear chain of title)
  • Record of Rights: Khatian/Khata details; latest mutation status
  • Encumbrance Certificate (EC): Confirms no registered legal dues/claims
  • Municipal approvals: Building plan sanction from competent authority
  • Land use/conversion: Non‑agricultural conversion approval if applicable
  • RERA: Registration details for new/ongoing projects (Jharkhand RERA)
  • Occupancy/Completion Certificate for ready‑to‑move units
  • NOCs and dues: Society/builder NOC, latest RMC property tax receipts, electricity/water bills
  • For plots: Verified site measurements, survey map, boundary, right of way/access
  • For resales with loan: Bank’s list of documents and foreclosure process

Step 4: Make an offer and sign Agreement to Sell

  • Token/earnest money is typically negotiated; ensure a written receipt
  • Agreement to Sell should capture total consideration, timelines, payment schedule, default clauses, and inclusions

Step 5: Home loan process

  • Documents: KYC, income proof, bank statements, property papers
  • Bank conducts legal and technical verification
  • On sanction, disbursement happens as per stage of construction or at registration for ready units
  • Tip: Compare effective interest rate, processing fee, prepayment/foreclosure rules

Step 6: Registration, stamp duty, and charges

  • Calculate based on circle rate/guideline value or sale value (whichever is higher, as applicable)
  • Pay stamp duty and registration fee via authorized channels/e‑stamp
  • Execute Sale Deed at the Sub‑Registrar Office; ensure two witnesses and proper property description
  • Note: Rates and procedures can change—always check the latest on the Jharkhand registration portal or consult your registrar/lawyer

Step 7: Post‑registration tasks

  • Mutation (name transfer) in land records at the circle office
  • Update municipal holding/Khata with Ranchi Municipal Corporation (RMC)
  • Transfer electricity/water meters and apply for society membership
  • Store originals securely and digitize copies

Common mistakes to avoid

  • Skipping EC or mutation verification
  • Relying only on brochure/site promises; always check approvals on file
  • Underestimating total cost (duty, registration, fit‑outs)
  • Not aligning possession timelines with your rent/loan cycle

How GharDvar helps buyers

  • Free 15‑minute consult to map your budget, locality, and needs
  • Independent document checks via partner lawyers
  • Negotiation support and bank‑tie‑ups for faster sanction
  • End‑to‑end help till possession and utility transfers

FAQs
Q: What are the current stamp duty and registration charges in Jharkhand?
A: They can vary by buyer category, property type, and location. Check the latest on the state registration portal or consult your registrar/GharDvar advisor.

Q: How long does property registration take in Ranchi?
A: If documents are in order and slots are available, it’s often completed within a day at the Sub‑Registrar office.

Q: Can NRIs buy property in Ranchi?
A: NRIs can purchase residential and commercial property in India; restrictions generally apply to agricultural land/plantation/farmhouses. Always check current FEMA rules or consult a CA.

Buying in Ranchi? Get a free shortlist + site‑visit plan from GharDvar within 48 hours.