Mahindra Roots Price 2026: Rs 1.45 Cr to Rs 2.05 Cr and the Rs 9 Lakh GST Saving on Ready Stock
Mahindra Roots price: reading a completed-inventory market
Published pricing spans roughly Rs 1.45 crore to Rs 2.05 crore across the one and two-bedroom configurations, with floor level, orientation and exact carpet area driving the spread.
Because possession began in 2023, this is completed inventory. Pricing behaves like a resale market rather than a fixed launch rate card, which changes how you should approach a negotiation.
In a launch, the developer sets the price and holds it.
In a completed building, available units may come from remaining developer stock or from existing owners, and each has different pricing behaviour and different transaction mechanics.
Price bands
| Configuration | Indicative Price | Carpet |
|---|---|---|
| 1 BHK | From approx Rs 1.45 Cr | Approximately 448 sq ft |
| 2 BHK | Up to approx Rs 2.05 Cr | Approximately 667 – 751 sq ft |
The GST saving on completed stock
This is the largest single financial advantage of buying ready and it is routinely under-appreciated.
GST at 5 percent without input tax credit applies to under-construction residential property. It does not apply to a completed home holding its occupation certificate.
On a Rs 1.75 crore purchase that is nearly Rs 9 lakh retained. On a Rs 2 crore purchase it is Rs 10 lakh.
That saving is not financeable either way, so it comes directly out of your cash requirement.
A buyer comparing a ready flat against an under-construction alternative at the same headline price is not comparing like with like.
Full cost structure
| Head | Basis | On Rs 1.75 Cr |
|---|---|---|
| Base Price | Per unit | Rs 1.75 crore |
| Stamp Duty | 6% (5% women buyers) | Approx Rs 10.5 lakh |
| Registration | Capped | Rs 30,000 |
| GST | Nil on completed unit with OC | Rs 0 |
| Society Transfer | If buying from an owner | Ask the society |
| Corpus Deposit | May already be paid | Clarify |
| Advance Maintenance | May already be paid | Clarify |
| Monthly Maintenance | From day one | On Request |
Note the corpus and advance maintenance line. On a resale purchase these may already have been paid by the original allottee, which reduces what you owe.
On a developer-stock purchase they will not have been. Establish which situation applies before you budget.
Financing a completed property
Loan-to-value is typically capped at 75 to 80 percent in this value band. Stamp duty is not financeable and must come from your own funds.
The advantage of a completed property is that lenders find it straightforward to appraise, and disbursement is single-tranche rather than construction-linked.
That simplifies the process considerably compared with a staged under-construction loan.
Ask which banks have already lent against units in this tower.
Where a lender has existing exposure, the legal and technical appraisal is already done, which can shorten sanction by two to three weeks.
Why the price sits where it does
Location. Kandivali East is an established western-corridor micro-market with the Malad and Goregaon office cluster 15 to 25 minutes away, mature schooling and good healthcare.
Building age. This is a new building rather than an ageing society flat, which commands a premium and avoids the repair and redevelopment risk that older Mumbai stock carries.
Developer standing. Mahindra Lifespace Developers Limited is listed with quarterly financial disclosure, and a recognised name supports resale value. Disclosures are published on the Mahindra Lifespaces official site.
Land constraint. Most new supply in this belt comes from redevelopment of older societies rather than fresh land, which limits how much competing new stock can appear.
Comparing on price
| Alternative | Entry | Trade-off |
|---|---|---|
| This project | Approx Rs 1.45 Cr | New building, ready, compact |
| Older Kandivali resale | Lower | Repair and redevelopment risk |
| Andheri East ready | Approx Rs 1.65 Cr | Airport access, 3 BHK options |
| Central suburbs new | Varies | More space, 2029 possession, 5% GST |
Against under-construction alternatives such as our Mahindra Rainforest coverage, factor in both the GST difference and four years of carrying cost with no offsetting income before concluding which is better value.
Against ready Andheri East options like Mahindra Vicino, the entry price here is lower and the configuration range narrower.
Negotiating on ready stock
Completed inventory generally offers more negotiating room than launch stock, because the developer has capital tied up in finished units with carrying cost accruing.
Where you are buying from an existing owner, the negotiation is a straightforward resale conversation and depends entirely on that owner’s motivation.
The levers worth pressing on developer stock are price, parking inclusion, and any pending corpus or club charges. Get any concession in writing before signing.
Frequently asked questions
What does a 1 BHK cost here?
The one-bedroom format starts from roughly Rs 1.45 crore, with approximately 448 sq ft carpet.
That places it among the more accessible entry points into branded ready stock on Mumbai’s western corridor.
Floor level and orientation drive variation within the band, so ask for current availability and pricing on the specific units on offer.
What does a 2 BHK cost?
Two-bedroom units run up to roughly Rs 2.05 crore with approximately 667 to 751 sq ft carpet.
This is the family format and the one with stronger resale demand locally, being the natural upgrade target for households in older one-bedroom or smaller two-bedroom stock across Kandivali and Borivali.
Do I pay GST on a ready flat?
No, provided the unit is a completed home holding its occupation certificate. GST at 5 percent without input tax credit applies only to under-construction property.
On a Rs 1.75 crore purchase that is nearly Rs 9 lakh retained, and since GST is not financeable, the saving comes directly out of your cash requirement.
How much stamp duty will I pay?
Stamp duty in Mumbai runs at 6 percent of agreement value with a 1 percent concession available to women purchasers under prevailing Maharashtra rules, and registration is capped at Rs 30,000.
On a Rs 1.75 crore purchase that is roughly Rs 10.5 lakh, and it is not financeable, so it must come from your own funds alongside the down payment.
Are corpus and maintenance already paid?
It depends on whether you buy from the developer or from an existing owner.
On a resale purchase the original allottee may already have paid corpus deposit and advance maintenance, reducing what you owe.
On developer stock they will not have been paid. Establish which situation applies before you finalise your budget.
How much loan can I get?
Typically 75 to 80 percent loan-to-value in this value band.
The advantage of a completed property is that lenders find it straightforward to appraise, with single-tranche disbursement rather than construction-linked staging.
Ask which banks have already lent against units in this tower, since existing exposure means the appraisal work is already done.
Is the price negotiable?
Completed inventory generally offers more room than launch stock, because the developer has capital tied up in finished units with carrying cost accruing.
Where you are buying from an existing owner it becomes a straightforward resale negotiation driven by their motivation. Press on price, parking inclusion and any pending corpus or club charges.
What are the ongoing costs?
Monthly maintenance from day one, property tax, and periodic refurbishment if you let the property.
The most reliable way to learn the real maintenance figure is to ask existing residents what they actually pay rather than accepting a projection.
In a 35-floor tower, lift and pump running costs are the largest components of the monthly bill.
