Maharashtra Stamp Duty & Registration Charges Calculator
Calculate stamp duty and registration charges for property in Maharashtra. Rates differ by buyer gender and city, with a 1% Metro cess in Mumbai, Pune and Thane. Women buyers pay 1% less.
5.0%Stamp duty (male)
4.0%Stamp duty (female)
1%Registration (max ₹30K)
+1%Metro cess (Mumbai/Pune/Thane)
Calculate Your Stamp Duty
Maharashtra Stamp Duty Rate Table (2025-26)
| Property / Buyer | Stamp Duty | Reg. Fee | Total (effective) |
|---|---|---|---|
| Male buyer (any value) | 5% | 1% (max ₹30K) | 6% |
| Female buyer (any value) | 4% | 1% (max ₹30K) | 5% |
| Joint (male + female) | 4.5% | 1% (max ₹30K) | 5.5% |
| Mumbai / Thane / Pune area | +1% Metro cess | Same | 7% male / 6% female |
Stamp duty applies on the higher of the circle rate (ready reckoner value) or the agreed sale price.
Stamp Duty by City in Maharashtra
| City / Area | SD (Male) | SD (Female) | Metro Cess | Total (Male) | Total (Female) |
|---|---|---|---|---|---|
| Mumbai | 5% | 4% | +1% | 7% | 6% |
| Pune | 5% | 4% | +1% | 7% | 6% |
| Thane | 5% | 4% | +1% | 7% | 6% |
| Nagpur | 5% | 4% | None | 6% | 5% |
| Nashik | 5% | 4% | None | 6% | 5% |
Worked Example: 75 Lakh Flat in Mumbai
For a flat worth ₹75,00,000 in Mumbai bought by a male buyer: stamp duty at 5% is ₹3,75,000, plus 1% Metro cess of ₹75,000, plus registration at 1% capped at ₹30,000. Total payable is about ₹4,80,000. If the same flat is bought in a female buyer\u2019s name, stamp duty drops to 4% (₹3,00,000), cutting the total to about ₹4,05,000, a saving of ₹75,000 from the 1% gender concession alone.
Stamp Duty Exemptions & Concessions in Maharashtra
- First women buyer: 1% rebate in stamp duty across Maharashtra.
- Affordable housing (PMAY): additional 1% concession for properties up to ₹45 lakh under Pradhan Mantri Awas Yojana.
- SRA projects: concessional stamp duty in select Slum Rehabilitation Authority projects in Mumbai.
- Gift to blood relatives: flat ₹200 stamp duty instead of a percentage.
- Agricultural land conversion: different rates apply under the ULC Act.
Exemptions are subject to change. Verify with the IGR Maharashtra portal before finalising any transaction.
Step-by-Step Property Registration in Maharashtra
- Verify circle rate: check the government ready-reckoner value on igrmaharashtra.gov.in. Stamp duty applies on the higher of circle rate or sale price.
- Pay stamp duty online: use GRAS (Government Receipt Accounting System) or authorised banks (SBI, HDFC, ICICI). Keep the e-challan receipt.
- Execute the sale deed: get it drafted by a registered advocate. Stamp duty must be paid before or at execution.
- Book a Sub-Registrar appointment: book online at the concerned SRO under Online Services.
- Visit the SRO with documents: PAN and Aadhaar of both parties, property documents, sale deed, e-challan and photos. Both parties must attend.
- Biometric & registration: biometric verification at the SRO, pay the 1% registration fee (max ₹30K), and collect the registered document.
Frequently Asked Questions , Maharashtra Stamp Duty
What is the stamp duty in Maharashtra in 2025-26?
Maharashtra stamp duty for residential property is 5% for male buyers, 4% for female buyers, and 4.5% for joint (male + female) purchases. Add a 1% registration fee (max ₹30,000). In Mumbai, Pune and Thane, an additional 1% Metro cess applies, making the effective total 7% for male and 6% for female buyers in those areas.
How do I pay stamp duty online in Maharashtra?
Pay through GRAS (Government Receipt Accounting System) on the IGR Maharashtra portal, or via authorised banks such as SBI, HDFC and ICICI. You receive an e-challan receipt, which you present at the Sub-Registrar Office during registration.
Is stamp duty different in Mumbai vs the rest of Maharashtra?
Yes. Mumbai, Pune and Thane levy an additional 1% Metro cess on top of the base stamp duty, so the effective rate is 6% (male) or 5% (female) elsewhere, but 7% (male) or 6% (female) in these metro areas.
Can I register property in my wife\u2019s name to save stamp duty?
Yes. Female buyers pay 4% stamp duty instead of 5%, a 1% saving across Maharashtra. On a ₹75 lakh property that is ₹75,000 saved. Joint male-female ownership attracts 4.5%. Ensure the ownership genuinely reflects the arrangement, as the concession applies to the woman\u2019s share.
What documents are needed for property registration in Maharashtra?
You need PAN cards and Aadhaar of both buyer and seller, the property documents and sale deed, the stamp duty e-challan, the registration fee payment, and passport photographs. Both parties must be present at the Sub-Registrar Office for biometric verification.
This calculator provides estimates for Maharashtra stamp duty and registration for FY 2025-26 based on IGR Maharashtra rates. Actual charges depend on the circle rate, property type and current notifications. Verify on the official IGR Maharashtra portal and consult a registered advocate before any transaction. Not legal or financial advice.