With ₹1.2 to ₹1.5 crore to spend in Ravet Pradhikaran, one building in Sector 29 offers two very different buys. Upstairs at Sai Kripa are 36 homes, all 3 BHK. On the ground floor, sold separately as Sai Kripa Commercial, are eight shops facing a 10.5 m road. Same developer, same MahaRERA registration, same possession date, but a different price per square foot, a different loan and a different way of earning a return. This guide sets them side by side using Krishna Rama Developer's cost sheet.
In short: A 1,053 sq ft 3 BHK costs ₹1.06 crore agreement value (₹1.19 crore all inclusive), about ₹10,080 per sq ft. A 555 sq ft shop costs ₹1.33 crore (₹1.49 crore all inclusive), about ₹24,000 per sq ft. Buy the home if you will live in it or want a property that is easy to let to a family; buy the shop if you will run a business from it, or can find a business tenant and pay a larger down payment.
Shop and 3 BHK side by side
| 3 BHK (1,053 sq ft) | 3 BHK (1,085 sq ft) | Shop (555 sq ft) | |
|---|---|---|---|
| Agreement value | ₹1,06,20,000 | ₹1,09,36,800 | ₹1,33,20,000 |
| GST at 5% | ₹5,31,000 | ₹5,46,840 | ₹6,66,000 |
| Stamp duty at 7% | ₹7,43,400 | ₹7,65,576 | ₹9,32,400 |
| Registration | ₹30,000 | ₹30,000 | ₹30,000 |
| All inclusive | ₹1,19,24,400 | ₹1,22,79,216 | ₹1,49,48,400 |
| Per sq ft (agreement value) | about ₹10,090 | about ₹10,080 | about ₹24,000 |
| First-year maintenance | ₹54,000 + 18% GST | ₹54,000 + 18% GST | ₹50,000 + 18% GST |
| Possession | December 2030 planned; RERA completion April 2031; MahaRERA PM1260002500965 | ||
Legal charges of ₹20,000 at the agreement, and any Pradhikaran transfer fee at possession, apply to both.
What the extra ₹30 lakh buys
All inclusive, the shop costs about ₹30 lakh more than the smaller 3 BHK for roughly half the area, so per square foot it is about 2.4 times the price of a home. You are not paying for space but for frontage: a glass shopfront on a 10.5 m road, 5 m driveways down both sides of the building and a catchment of students, families and commuters. The home buys you three bedrooms, two attached toilets, a 12 ft balcony and a share of the rooftop gym, lawn and games room.
One figure needs settling before you book the shop: the cost sheet gives 555 sq ft, but the brochure's plan shows each shop as 40'0" x 10'0", 399 sq ft of carpet. On 399 sq ft the shop works out to about ₹33,400 per sq ft. Ask what the 555 sq ft includes and get the RERA carpet area in the agreement.
Living in it or letting it out
The 3 BHK is the simpler asset. You can live in it, and if you let it, the tenant pool is broad: families who want Pradhikaran's schools and colleges, with D. Y. Patil Dnyanshanti School, PCCOE and Global Hospital about 5 minutes away. A first-floor home with a terrace has extra appeal.
A shop's return depends on a business. The developer pitches these shops at cafés, boutiques, pharmacies and everyday essentials, and the catchment is real: PCCOE and the D. Y. Patil colleges, Akurdi railway station, the residential sectors around (the developer cites more than 6,000 homes nearby) and the 36 households upstairs. Shops usually earn more rent for their price than homes do, but they can stay empty longer between tenants, and an empty shop still pays maintenance. Before you buy, ask what similar shops on Pradhikaran's main roads rent for, and how long they sit vacant.
Paying for it
- Taxes: the cost sheet applies the same 5% GST, 7% stamp duty and ₹30,000 registration to both.
- Loan: a home loan finances the 3 BHK. For a shop, banks offer commercial property loans, which usually cover a smaller share of the price and charge more interest, so plan for a bigger down payment. Our 2026 home-loan checklist covers the home-loan side.
- Tax benefits: the Section 80C deduction for principal repayment applies to a residential house, not a shop. If you are borrowing for the shop, ask your tax adviser how the interest will be treated.
- Running costs: first-year maintenance is similar, ₹54,000 for a home and ₹50,000 for a shop, plus GST.
What to check for either
- The MahaRERA registration, PM1260002500965, and the construction progress; our guide to what every buyer should verify on MahaRERA shows how.
- The carpet area in the agreement, especially for the shop.
- For a shop, that your planned use, such as food service or a clinic, is allowed in the building's sanction and society rules, and where signboards may go.
- The possession date: December 2030 is planned, with a RERA completion date of April 2031, about four years away, and both are paid in construction-linked instalments until then.
Our view
For most buyers the 3 BHK is the better buy: far more space for the money, an easy home loan and a ready tenant market if you let it. The shop makes sense for a buyer who will run a business from it, such as a pharmacy, clinic or café, or for an investor who has checked rents on Pradhikaran's shopping streets and has the cash for a larger down payment. Our guides to the Sai Kripa homes and the Sai Kripa shops go into each in detail.
Shop or 3 BHK at Sai Kripa: frequently asked questions
Which is cheaper at Sai Kripa, a shop or a 3 BHK?
The 3 BHK: ₹1.06 crore agreement value (₹1.19 crore all inclusive) for 1,053 sq ft, against ₹1.33 crore (₹1.49 crore all inclusive) for a 555 sq ft shop.
What is the price per square foot of a shop and a home?
About ₹24,000 per sq ft for a shop on the cost sheet's 555 sq ft, and about ₹10,080 per sq ft for a 3 BHK on its carpet plus balcony area.
Do the shops and homes share one RERA registration?
Yes. Both are part of MahaRERA PM1260002500965, with possession planned for December 2030 and a RERA completion date of April 2031.
Is GST the same on a shop and a home at Sai Kripa?
Yes. The developer's cost sheet applies 5% GST to both, with 7% stamp duty and ₹30,000 registration.
Can I buy a shop with a home loan?
No. Home loans are for residential property; banks finance shops with commercial property loans, which usually need a larger down payment and carry a higher interest rate.
What is the maintenance for a shop and a 3 BHK?
₹50,000 plus 18% GST for a shop and ₹54,000 plus 18% GST for a 3 BHK, collected at possession for the first year.
See the homes on the Sai Kripa project page and the shops on the Sai Kripa Commercial project page, or browse more commercial properties in Pune. The Pune Home team can share current availability for both.
