What this guide covers
Buying a home in Maharashtra? Stamp duty is a big cost on top of your down payment, and it is not the same everywhere in the state. Where your flat is decides the rate: 6% in Mumbai, 7% in Pune, Thane and Nagpur, and different again in smaller towns.
Duty is charged on your deal price or Ready Reckoner value, whichever is higher. Registration fee is 1%, up to ₹30,000, and a woman buying a home on her own pays 1% less stamp duty.
Stamp duty and registration charges in Maharashtra at a glance
| Where the property is | Stamp duty | Woman buyer | Made up of |
|---|---|---|---|
| Mumbai, BMC limits | 6% | 5% | 5% duty + 1% metro cess |
| Pune, Pimpri Chinchwad, Thane, Nagpur | 7% | 6% | 5% duty + 1% LBT + 1% metro cess |
| Other municipal corporations, such as Kolhapur, Solapur, Amravati, Sangli | 6% | 5% | 5% duty + 1% LBT |
| Municipal councils, nagar panchayats and villages | Depends on area | 1% less | Depends on the local body |
| Registration fee, anywhere | 1% | 1% | Up to ₹30,000 |
For property in a municipal council, nagar panchayat or village, or in any corporation other than Mumbai, Pune, Pimpri Chinchwad, Thane and Nagpur, confirm the exact rate with the Sub-Registrar office before you pay.
How to calculate stamp duty in Maharashtra
- Find Ready Reckoner rate for your zone. Our guide on how to check Ready Reckoner rate shows you how.
- Calculate Ready Reckoner value: rate × built-up area, with any floor or age adjustment.
- Compare it with your deal price and take the higher figure.
- Apply stamp duty rate for your area, 1% less if the buyer is a woman.
- Add registration fee: 1% of the same figure, up to ₹30,000.
Examples with real numbers
A flat in Mumbai
You agree to buy a flat in Andheri for ₹1.2 crore, and its Ready Reckoner value is ₹1 crore. Your price is higher, so duty is charged on ₹1.2 crore.
- Stamp duty at 6%: ₹7,20,000
- Registration fee: ₹30,000, the maximum
- Total: ₹7,50,000
- If the flat is bought only by a woman, stamp duty is 5%, so she pays ₹6,00,000 + ₹30,000 = ₹6,30,000.
A flat in Thane where Ready Reckoner value is higher
You agree on ₹65 lakh for a flat in Thane, but its Ready Reckoner value is ₹70 lakh. Duty is charged on ₹70 lakh, not on your price.
- Stamp duty at 7%: ₹4,90,000, instead of ₹4,55,000
- Registration fee: ₹30,000
- Total: ₹5,20,000
The deed can still be registered at ₹65 lakh, but the Sub-Registrar may send it to the Collector to check the value. Read circle rate vs market value to see what else can happen.
Quick reference
| Higher of price and Ready Reckoner value | Mumbai (6%) | Pune, Thane, Nagpur (7%) |
|---|---|---|
| ₹25 lakh | ₹1,50,000 + ₹25,000 | ₹1,75,000 + ₹25,000 |
| ₹50 lakh | ₹3,00,000 + ₹30,000 | ₹3,50,000 + ₹30,000 |
| ₹80 lakh | ₹4,80,000 + ₹30,000 | ₹5,60,000 + ₹30,000 |
| ₹1.2 crore | ₹7,20,000 + ₹30,000 | ₹8,40,000 + ₹30,000 |
The second figure in each cell is registration fee.
Women buyers pay 1% less
Since 1 April 2021, a woman buying a home in Maharashtra pays 1% less stamp duty. That is 5% instead of 6% in Mumbai, and 6% instead of 7% in Pune, Thane and Nagpur. On an ₹80 lakh flat, the saving is ₹80,000.
The benefit applies only to homes, such as a flat, bungalow or row house, and only when every buyer is a woman. Two sisters buying together get it. A husband and wife buying together do not. When the scheme started, a woman who sold the home to a man within 15 years had to pay back the benefit. That rule was dropped in 2023.
Registration fee: 1%, but never more than ₹30,000
Registration fee in Maharashtra is ₹100 for values up to ₹10,000, and then ₹10 for every ₹1,000, which comes to about 1%. But it stops at ₹30,000. So whether your flat costs ₹40 lakh or ₹4 crore, registration fee is the same ₹30,000. Below ₹30 lakh, you pay about 1%.
What is metro cess?
Metro cess is an extra 1% added to stamp duty to help pay for metro rail projects. It applies in the Mumbai region and in the Pune, Pimpri Chinchwad and Nagpur corporation areas. It was paused for two years from April 2020 and has been charged again since 1 April 2022. That is why Mumbai is 6% and not 5%.
What changed recently
- Ready Reckoner rates for 2026-27 are the same as 2025-26, so the minimum value of your property has not gone up this year.
- In October 2024, the fixed stamp duty on many smaller documents, such as affidavits, went up from ₹100 to ₹500. The duty on buying a property did not change.
Other costs to plan for
- TDS: if the price or Ready Reckoner value is ₹50 lakh or more, the buyer deducts 1% TDS from the payment to the seller, on the higher of the two.
- Lawyer and document charges, which vary from city to city.
- Home loan charges, such as the processing fee, if you are taking a loan.
To calculate your exact amount, use the Maharashtra stamp duty calculator.
Maharashtra stamp duty: common questions
What is stamp duty in Mumbai in 2026?
6% within BMC limits, made up of 5% stamp duty and 1% metro cess. A woman buying a home on her own pays 5%. Registration fee is 1%, up to ₹30,000.
Can a husband and wife together get the women's benefit?
No. The 1% benefit applies only when every buyer on the deed is a woman. If the husband is also a buyer, the full rate applies. If the flat is bought in the wife's name alone, she gets the benefit.
Is stamp duty the same for a resale flat and a new flat?
Yes. The rate depends on where the property is, not on whether it is new or resale. It is charged on your deal price or Ready Reckoner value, whichever is higher.
Who pays stamp duty in Maharashtra, the buyer or the seller?
The buyer usually pays both stamp duty and registration fee, unless the buyer and seller agree otherwise in writing.
Did stamp duty in Maharashtra change in 2026?
No. Stamp duty rates on a sale did not change, and Ready Reckoner rates for 2026-27 are the same as 2025-26.