Stamp duty and registration charges in Maharashtra
Stamp duty is a transactional tax collected by the government and fixed by the central authorities. Homeowners pay it at the time of property registration. The stamp duty amount depends on the property’s market value or agreement value during the time of registration. This transactional tax applies to both residential and commercial properties, inclusive of freehold and leasehold properties.
The fact that stamp duty is added to the property’s cost makes it imperative for homebuyers to find the applicable amount beforehand.
Homebuyers must note that the stamp duty rate tends to vary from one state to another. In other words, the stamp duty in Maharashtra would be different from that of West Bengal.
What is stamp duty in Maharashtra?
In Maharashtra, stamp duty is a type of indirect tax that must be paid when registering a property. Registration charges are also required to officially record the ownership. These charges apply whether the property is in a city or a rural area.
All property types—including flats, apartments, duplex homes, freehold and leasehold land, agricultural or non-agricultural plots, and both commercial and industrial properties—must be registered by paying the required stamp duty and fees.
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What is Maharashtra Stamp Act?
The Maharashtra Stamp Act, 1958 applies to instruments that come under the purview of Schedule 1 and attract stamp duty. This Act was amended to include revised stamp duty on gift deeds, revised penalty clauses, stamp duty e-payment, and increment of the stamp duty in case of selected instrument clauses.
Stamp duty rates and registration charges in Maharashtra 2025
The location of the property determines the stamp duty and registration charges in 2025 in Maharashtra, as the table below outlines:
Category of location |
Stamp duty for male buyers |
Stamp duty for female buyers |
Property registration fee |
Urban areas within municipal limits |
6% |
5% |
1% |
Gram Panchayat jurisdiction |
3% |
2% |
1% |
Panchayat, Municipal Council, or Cantonment zones within MMRDA |
4% |
3% |
1% |
Stamp duty and registration charges for different cities in Maharashtra
As the table below illustrates, the registration charges and stamp duty differ from city to city in Maharashtra:
City/ area |
Stamp duty for men |
Stamp duty for women |
Registration charges |
Pune |
7% (includes 1% local body tax, metro CESS, and transport surcharge) |
6% (includes 1% transport surcharge, metro CESS, and local body tax) |
Rs. 30,000 if the property is worth > Rs. 30 lakh 1% of the property value if it is worth < Rs. 30 lakh |
Navi Mumbai |
7% (+1% metro cess) |
6% (+1% metro cess) |
1% of the property value if it is worth < Rs. 30 lakh |
Pimpri-Chinchwad |
7% (includes 1% local body tax, metro CESS, and transport surcharge) |
6% (includes 1% transport surcharge, metro CESS, and local body tax) |
Rs. 30,000 if the property is worth > Rs. 30 lakh.
1% of the property value if it is worth < Rs. 30 lakh. |
Mumbai |
6% (includes 1% metro cess) |
5% (includes 1% metro cess) |
1% of the property value if it is worth < Rs. 30 lakh. |
Western Mumbai |
5% (+1% metro cess) |
5% (+1% metro cess) |
1% |
Central Mumbai |
5% (+1% metro cess) |
5% (+1% metro cess) |
1% |
Nagpur |
7% (includes 1% local body tax, metro CESS, and transport surcharge) |
6% (includes 1% transport surcharge, metro CESS, and local body tax) |
Rs. 30,000 if the property is worth > Rs. 30 lakh.
1% of the property value if it is worth < Rs. 30 lakh. |
North Mumbai (Harbour Line) |
5% (+1% metro cess) |
5% (+1% metro cess) |
1% |
Thane |
7% (includes 1% local body tax, metro CESS, and transport surcharge) |
6% (includes 1% transport surcharge, metro CESS, and local body tax) |
Rs. 30,000 if the property is worth > Rs. 30 lakh.
1% of the property value if it is worth < Rs. 30 lakh. |
Stamp duty for different deeds in Maharashtra
The table below highlights the various deed stamp duties in the state of Maharashtra:
Deed category |
Applicable stamp duty |
Lease agreement |
5% |
Stamp duty for gifting residential or agricultural property to family members |
Rs. 200 |
Power of attorney charges |
5% for properties in municipal limits, 3% for properties under the gram panchayat areas |
Stamp duty on gift deeds (applicable across Mumbai and Maharashtra) |
3% |
How to calculate stamp duty in Maharashtra?
The two main elements used to work out these charges are:
- The assessed value of the property
- The government's set minimum rate, known as the ready reckoner rate
The Maharashtra government decides this reckoner rate based on current market trends. It represents the lowest value at which a property can be legally sold. If the reckoner rate is higher than the price declared by the buyer or seller, stamp duty is calculated on the reckoner rate.
If your property’s market value is Rs. 72,00,000 and the reckoner rate is Rs. 62,00,000, stamp duty will be based on the higher figure—Rs. 72,00,000 in this case.
Let us break down how it works with an example:
Parameter |
Value |
Reckoner rate |
Rs. 75,000 per sq. m |
Flat size |
900 sq. m |
Total property value |
Rs. 6,75,00,000 |
Stamp duty (5% of property) |
Rs. 33,75,000 |
Factors that affect stamp duty
The most prominent factors that influence stamp duty in the state are highlighted below:
- Owner’s age – Senior citizens are likely to receive a subsidy on the stamp duty
- Owner’s gender – Women who own property in their name are entitled to reduce stamp duty
- Leprosy cured
- Property use – Residential properties attract a lower stamp duty than commercial properties
- Property age – New properties attract higher stamp duty when compared to older ones
- Property location – Properties located in cities attract a higher stamp duty than those based in rural areas, towns, and outskirts
Besides these, property status and available amenities also tend to influence a property’s stamp duty.
Note that the rate of stamp duty in Maharashtra depends on two major factors
- Property’s registered price
- Property ready reckoner rate in Mumbai and other cities
Usually, the higher of the two is taken into consideration while fixing the stamp duty.
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How to pay stamp duty online?
By following these steps, you can easily pay stamp duty online:
- Step 1: Visit the official Maharashtra Stamp Duty portal.
- Step 2: Log in using the required credentials.
- Step 3: Select the ‘Citizen’ field and type of transaction.
- Step 4: Choose the ‘Make Payment to Register your Document’ field.
- Step 5: Click on ‘Pay Stamp Duty Only’ from available options.
- Step 6: Enter crucial details like – district, sub-registrar, property details, payment details, etc.
- Step 7: Choose a suitable payment option and proceed to generate a challan that will have to be produced while executing the deed.
In case you are not registered, you would have to click on the ‘Pay Without Registration’ option. Subsequently, you will be redirected to another page.
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Stamp duty on past property documents
As per a provision of the Maharashtra Stamp Act, a district collector has the power to ask the landowner to submit a document within a decade from the registration date. The collector can do so to verify whether the applicable stamp duty was paid on the deed or not.
However, the Bombay High Court mandates that authorities cannot collect stamp duty when it comes to inadequately stamped documents from the past at the time of subsequent sale. Regardless, if documents must be stamped, the charges will be recovered at the prevailing rate during the time of transaction.
Stamp duty on lease agreements
The state government announced stamp duty reduction on lease agreements on 24th December 2020. As per announcement, stamp duty was brought down to 2% (from 5%) until 31st December 2020 and 3% for the period between 1st January 2021 and 31st March 2021. Accordingly, the property sale in the state, especially luxury flats, witnessed a surge.
Tax benefits on stamp duty and registration charges in Maharashtra
Under Section 80C, both HUFs and individuals can claim deduction on stamp duty in Maharashtra. However, the upper limit on such deduction is set at Rs. 1.5 lakh. However, this deduction can be claimed in the very same year the expense was incurred.
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Check stamp duty and registration charges in other states |
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Exemptions and concessions on stamp duty in Maharashtra
Women buyers in Mumbai and across Maharashtra can benefit from a 1% discount on stamp duty. This step encourages women to own property and supports their financial freedom.
Understanding stamp duty and registration fees before purchasing property is important. It helps buyers stay informed and manage their budget wisely. Be sure to track any updates in these charges and use online services to make the registration process smoother.
Popular calculators for your financial calculations
Frequently asked questions
Stamp duty and registration costs are worked out based on the market value and the reckoner rate of the property. You can use an online Stamp Duty Calculator to find out the exact fees for your transaction.
The ready reckoner rate (or circle rate) is the lowest price at which property can legally be registered. This rate is published by local authorities in Mumbai, including the registrar and sub-registrar. Rates may differ from one area to another, based on the location and facilities available, as well as the type of property.
Some states offer lower stamp duty rates to women and senior citizens. If the property is registered in a woman’s name or bought by a senior citizen, this could reduce the total stamp duty payable.
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Stamp duty rates in Maharashtra depend on where the property is located:
- Municipal Corporation areas – 6% of market value
- Municipal Council areas – 4% of market value
- Gram Panchayat areas – 3% of market value
In Maharashtra, registration charges depend on the value of the property:
- Up to Rs. 30 lakh – 1% of the property’s value
- Above Rs. 30 lakh – a flat fee of Rs. 30,000
For gift deeds, Maharashtra applies a stamp duty of 3% based on the property’s market value.
Stamp duty is worked out on whichever is higher—either the market price of the property or the government’s reckoner rate. The duty usually ranges from 5% to 7% of that value. Registration charges are fixed at 1%.
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Yes, you can pay stamp duty using a credit card through the GRAS website or other approved platforms like BillDesk. Keep in mind, there may be a processing fee of around 1%.
