KDMC Property Tax 2026-27: Rebate, Dates and Online Payment

KDMC's 2026-27 property-tax bills were issued during the financial year, with a 5% rebate available for qualifying payments made by 31 July 2026. The rebate applied to the property-tax component and excluded government taxes.

The applicable 2026-27 payment details were:

The 2% online-payment discount is displayed on the current KDMC citizen portal. If you are paying after the rebate period, use the current demand shown against your property rather than manually deducting the expired 5% rebate.

KDMC property tax depends on the assessment information recorded for the property rather than one tax rate for every property.

The assessment can consider information including:

• Property type
• Property area
• Location
• Age of property
• Occupancy or use
• Applicable municipal components

Consider Ria, aged 35, who owns a 1,200 sq. ft. self-occupied flat in Kalyan.

Her previous property-tax receipt shows Rs. 18,500, while the current KDMC record shows a demand of Rs. 20,200.

The difference is: Rs. 20,200 - Rs. 18,500 = Rs. 1,700

Ria should not assume that the additional Rs. 1,700 is incorrect simply because the previous receipt was lower.

She should compare:

1. The assessment period on both records.
2. The property area recorded as 1,200 sq. ft.
3. The property type and use.
4. The property location or assessment details.
5. Earlier unpaid dues.
6. Interest or penalty shown against the property.

If the current assessment details are correct, the current municipal demand should guide her payment. If the property information itself is wrong, Ria should resolve the record mismatch before relying on the demand. The decision rule is simple: use an old receipt for comparison but use the verified current property record for payment.

You can check the current KDMC property-tax demand and complete payment through the KDMC online property-tax service.

Follow the online payment journey:

1. Open the KDMC online services portal.
2. Select the property-tax payment service.
3. Enter the requested property number or other property details.
4. Confirm the correct property record.
5. Check the current tax demand.
6. Review outstanding dues and applicable rebate or discount.
7. Complete the payment through the available online facility.
8. Save the receipt and transaction reference.

KDMC also allows taxpayers to use the QR code provided on the property-tax bill for online payment.

After payment, check that the transaction appears against the correct property. Keep the receipt and transaction reference with your property records.

Check the transaction status before paying again if money has been debited but the KDMC property-tax portal does not immediately show a successful payment.

Different issues need different actions:

Consider Raj, aged 42, who pays Rs. 24,000 online. His bank account is debited, but the KDMC property-tax portal does not immediately show the payment.

Raj should not make another Rs. 24,000 payment immediately. He should first retain the bank debit and transaction reference, check the payment status and contact KDMC if the transaction remains unresolved. Paying twice could result in Rs. 48,000 being debited before the original transaction is resolved.

KDMC provides an online-payment facility and lists an email contact for online-payment problems on its citizen portal.

A KDMC property-tax receipt records municipal tax payment but does not independently establish legal ownership.

Consider Maya, aged 38, who purchased a Kalyan flat for Rs. 80 lakh. Her registered sale deed records the transfer in her name, but the municipal property-tax record still carries the previous owner's details. Paying the tax does not replace Maya’s registered ownership document. She should also complete the applicable municipal record-update process needed to correct the tax record.

The distinction matters when you sell, inherit, transfer or use the property for financing.

Updated KDMC property-tax records can support the documentation trail for a loan against property, but a tax receipt alone does not determine loan eligibility or the sanctioned amount. A lender reviews the applicant and property through separate checks.

Consider Aryan, aged 42, who lives in Kalyan, earns Rs. 1.50 lakh per month and has a Credit Information Bureau (India) Limited (CIBIL) Score of 760.

Aryan is considering a Rs. 50 lakh loan against property for a business requirement.

Assume an illustrative interest rate of 10% per annum over 15 years.

The Equated Monthly Instalment (EMI) formula is: EMI = [P × R × (1 + R)^N] ÷ [(1 + R)^N - 1]

Where:

• P = Rs. 50 lakh
• R = 10% ÷ 12 ÷ 100
• N = 180 monthly instalments

The approximate EMI is: Rs. 53,730 per month

If Aryan increases the loan amount to Rs. 60 lakh, while the rate and tenure remain unchanged, the approximate EMI rises to Rs. 64,476 per month.

The additional Rs. 10 lakh increases the approximate monthly EMI by: Rs. 64,476 - Rs. 53,730 = Rs. 10,746

Aryan’s income, CIBIL Score and property records form part of the wider assessment. None of them independently guarantees loan approval.

With Bajaj Finance Loan Against Property, eligible borrowers can access up to ₹15.50 crore with a repayment tenure of up to 15 years. The applicable loan against property interest rate currently ranges from 7.5% per annum to 14.25% per annum, subject to applicable terms and eligibility.

Before deciding the loan amount, compare the amount required with the resulting EMI and overall repayment cost. A loan against property EMI calculator can help you test different loan amounts and repayment tenures. If you are considering a loan against property for your financial needs, check your eligibility for a loan against property with Bajaj Finance.