🏠 Maharashtra Stamp Duty & Registration 2025-26
IGR Maharashtra (Inspector General of Registration)
5.0%
Stamp Duty (Male)
4.0%
Stamp Duty (Female)
1.0%
Registration Fee (max ₹30K)
1%
Female Saving
🧮 Calculate Stamp Duty
All States Calculator →📊 Maharashtra Stamp Duty Rate Table
Metro cess 1% additional in Mumbai, Thane, Pune, Pimpri-Chinchwad
| Property / Buyer | Stamp Duty | Reg. Fee | Total | |
|---|---|---|---|---|
| Any value | Male buyer | 5% | 1% (max ₹30K) | 6% effective |
| Any value | Female buyer | 4% | 1% (max ₹30K) | 5% effective |
| Any value | Joint (M+F) | 4.5% | 1% (max ₹30K) | 5.5% effective |
| Mumbai / Thane / Pune area | Any | +1% Metro cess | Same | +1% on above |
💰 Worked Examples — Maharashtra Property Registration
| Property Value | Type · Buyer | City | Stamp Duty | Reg. Fee | Total Cost |
|---|---|---|---|---|---|
| ₹50.0L | Flat · Male | Mumbai | ₹250,000 | ₹30,000 | ₹305,000 |
| ₹75.0L | Flat · Female | Pune | ₹300,000 | ₹30,000 | ₹367,500 |
| ₹1.0 Cr | Flat · Joint | Mumbai | ₹450,000 | ₹30,000 | ₹530,000 |
| ₹2.0 Cr | Flat · Male | Nagpur | ₹1,000,000 | ₹30,000 | ₹1,130,000 |
Calculations include applicable surcharges. Registration fee capped at ₹30,000. Always verify with IGR Maharashtra (Inspector General of Registration).
🏙️ Maharashtra Stamp Duty by City — 2025-26
Stamp duty %, surcharge %, registration fee %, and effective total for male and female buyers.
| City / Area | SD (Male) | SD (Female) | Surcharge | Reg. Fee | Total (Male) | Total (Female) |
|---|---|---|---|---|---|---|
| Mumbai | 5.0% | 4.0% | 1.0% | 1.0% | 7.0% | 6.0% |
| Pune | 5.0% | 4.0% | 1.0% | 1.0% | 7.0% | 6.0% |
| Nagpur | 5.0% | 4.0% | 0.0% | 1.0% | 6.0% | 5.0% |
| Nashik | 5.0% | 4.0% | 0.0% | 1.0% | 6.0% | 5.0% |
| Thane | 5.0% | 4.0% | 1.0% | 1.0% | 7.0% | 6.0% |
✅ Stamp Duty Exemptions & Discounts — Maharashtra
- ✓First Women Buyer: 1% rebate in stamp duty across Maharashtra.
- ✓Affordable Housing (PMAY): Additional 1% concession for properties up to ₹45L under Pradhan Mantri Awas Yojana.
- ✓Property in SRA (Slum Rehabilitation Authority): Concessional stamp duty in select SRA projects in Mumbai.
- ✓Gifted property to blood relatives: ₹200 flat stamp duty (instead of percentage).
- ✓Agricultural land conversion: Different rates apply under ULC Act.
Exemptions subject to change. Verify with IGR Maharashtra (Inspector General of Registration) portal (https://igrmaharashtra.gov.in) before finalising property transaction.
📋 Step-by-Step Property Registration — Maharashtra
Verify Circle Rate
Check the government-set ‘ready reckoner’ value on igrmaharashtra.gov.in — stamp duty applies on the higher of circle rate or agreed sale price.
Pay Stamp Duty Online
Use GRASonline (Government Receipt Accounting System) or authorised banks (SBI, HDFC, ICICI) to pay stamp duty online. Get e-challan receipt.
Execute Sale Deed
Get sale deed drafted by a registered advocate/document writer. Stamp duty must be paid before or at time of execution.
Book Sub-Registrar Appointment
Book online appointment at concerned SRO (Sub-Registrar Office) on igrmaharashtra.gov.in under ‘Online Services’.
Visit SRO with Documents
Attend SRO with: PAN cards (buyer + seller), Aadhaar, property documents, sale deed, e-challan, passport photos. Both parties must be present.
Biometric & Registration
Biometric verification done at SRO. Registration fee paid (1%, max ₹30K). Document scanned & registered. Collect receipt with document number.
❓ 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 1% registration fee (max ₹30,000). In Mumbai, Pune, and Thane, an additional 1% Metro cess applies, making effective total 7% (male) or 6% (female) in these areas.
How to pay stamp duty online in Maharashtra?
Pay via GRAS (Government Receipt Accounting System) at gras.mahaofit.in, using net banking or UPI. Select ‘Article 25 — Conveyance Deed’. After payment, generate e-challan. Alternatively, pay at authorised bank branches (SBI, HDFC, ICICI, etc.).
Is stamp duty different in Mumbai vs rest of Maharashtra?
Yes. Mumbai, Thane, Pune, and Pimpri-Chinchwad have an additional 1% Metro cess. So Mumbai effective stamp duty = 6% (male) / 5% (female) vs 5% / 4% in Nagpur or Nashik. Registration fee is the same everywhere (1%, max ₹30K).
Can I register property in wife’s name to save stamp duty?
Yes — female buyers pay 1% less stamp duty in Maharashtra. On a ₹1 Cr flat in Mumbai, registering in wife’s name saves ₹1L in stamp duty. This is completely legal and widely practiced. The property genuinely needs to be in the wife’s name, not just for stamp duty purposes.
What documents are needed for property registration in Maharashtra?
Key documents: Sale deed (original + certified copy), PAN card of buyer & seller, Aadhaar card, index 2 extract (7/12 or property card), NOC from society/builder, payment proof of stamp duty (e-challan), 2 passport-size photos each, and property tax receipts.