In Maharashtra, the stamp duty is charged on all property transactions in the state. Maharashtra stamp duty and fees are subject to the Maharashtra Stamp Act. In this post, we’ll discuss everything you need to learn about stamp duty as well as registration fees in Maharashtra.

What Is Stamp Duty and How Much Do You Pay?

Maharashtra Stamp Duty is a fee you pay when you purchase a property and transfer it to a different person’s name. The tax is collected by the local government to ensure that the sale document is legally valid. In Maharashtra, the tax is based on the place of the property as well as the kind of buyer.

For the most urban cities like Pune, Mumbai, Thane, and Nagpur The current rates for stamp duty are as follows:

Men pay about 7% of the property value
Women pay about 6% of the property value

These are estimated rates which contain additional government fees like metro cess and local taxes. If two owners share ownership of the property, the average rate is 6.5 per cent. This amount is based on either your sale price or the government-determined ready reckoner (circle) rate, whichever is higher.

The rates are lower in rural or smaller cities. regions that fall under the authority of the Gram Panchayat. In these areas, the stamp duty is usually around three per cent for men as well as 2% for females, and a 1 per cent fee to register. The current rates for stamp duty for cities like Pune, Mumbai, Thane, and Nagpur are as follows:

What Are Registration Charges?

After you have paid your Maharashtra stamp duty, you’ll need to pay the registration fees. This fee is used for declaring you as the owner in the office of the sub-registrar.

In Maharashtra:

Registration charges are 1% of the property value
This fee is usually capped at ₹30,000 if the property value is above ₹30 lakh

That means that, even when your home is worth Rs50 lakh or one crore, you’ll be required to pay the equivalent of Rs30,000. If it is worth 20 lakh, you’ll be required to pay one per cent of the amount, in the amount of the equivalent to Rs 20,000.

Stamp Duty and Registration Charges in Maharashtra 2026

In Mumbai Stamp duty is calculated according to the kind and the area of the property. The costs for registration and stamp duty in Mumbai are as follows. In the sections below, we will examine the stamp duty costs in other cities in Maharashtra.

Ownership Type	Stamp Duty Charges in Mumbai	Registration Fee in Mumbai
Male	6% (5% Stamp Duty + 1% Metro Cess)	For property transactions exceeding ₹30 lakh – ₹30,000For property transactions below ₹30 lakh – 1% of the property value
Female	5% (4% Stamp Duty + 1% Metro Cess)	For property transactions exceeding ₹30 lakh – ₹30,000For property transactions below ₹30 lakh – 1% of the property value
Joint (Male + Female)	6%	For property transactions exceeding ₹30 lakh – ₹30,000For property transactions below ₹30 lakh – 1% of the property value

Keep reading to know Maharashtras stamp duty and registration charges for different cities.

Cities in Maharashtra	Men (From April 2022 till Date)	Women (From April 2022 till Date)	Registration Charges
Mumbai	6%, including 1% metro cess	5%, including 1% metro cess	₹30,000 for properties worth more than ₹30 lakh1% of the property value for properties worth less than ₹30 lakh
Thane	7%, including 1% metro cess, transport surcharge and local body tax	6%, including 1% metro cess, transport surcharge and local body tax
Nagpur	7%, including 1% metro cess, transport surcharge and local body tax	6%, including 1% metro cess, transport surcharge and local body tax
Pune	7%, including 1% metro cess, transport surcharge and local body tax	6%, including 1% metro cess, transport surcharge and local body tax
Navi Mumbai	6%, including 1% metro cess, transport surcharge and local body tax	5%, including 1% metro cess, transport surcharge and local body tax
Pimpri-Chinchwad	5-6% depending on the area	4-5% depending on the area

Stamp Duty of Resale Flat in Mumbai 2026

Find out about the Mumbai stamp duty fees that apply when you purchase a resale apartment within Mumbai by 2026.

Mumbai Areas	Stamp Duty in Mumbai for Males	Stamp Duty in Mumbai for Females	Registration Fees
Within the municipal limits of any urban area	6% of the market of the property	5% of the market of the property	1% of the value of the property
Within the limits of any panchayat/municipal council/ cantonment of any area within MMRDA	4% of the market of the property	3% of the market of the property	1% of the value of the property
Within the limits of any gram panchayat	3% of the market of the property	2% of the market of the property	1% of the value of the property

Stamp Duty Charges for Different Deeds

In accordance with the Maharashtra Stamp Act of 2017 The state of Maharashtra is liable for a stamp tax of 3 per cent of the property’s value when it comes to the issue that gift documents are issued. If an agricultural or residential property is given to a family member without reason, the stamp duty for the deed of gift within Maharashtra would be a predetermined amount of Rs 200. The same rules apply to other deeds in Maharashtra.

Stamp Duty in Maharashtra on Various Deeds
Type of Deed	Stamp Duty
Gift Deed	3%
Lease Deed	5%
Gift Deed family (Residential/agricultural property)	Rs 200
Power of Attorney	5%- For properties in municipal areas3%– For properties located in gram panchayat areas

How to Calculate Stamp Duty in Maharashtra?

To calculate the stamp duty to calculate stamp duty in Maharashtra, you’ll require both the registration and Maharashtra stamp duty. If, for instance, you plan to purchase a home in Navi Mumbai and you are in Maharashtra, you’ll be required to pay the stamp duty of 6% along with the metro cess of 1.

Example of How to Calculate Stamp Duty in Maharashtra

Let’s say that a home has a value of Rs.1 crore. In the present, the stamp duty would be 6% of the value plus the additional 1 percent metro fee.

You can estimate the stamp duty using this 10,00,000 x 6/100 = 6,00,000.
The metro cess can be calculated by: 1,00,00,000. x 1/100 = 1,00,000.

Factors to be Considered for Calculation

In Maharashtra stamp duty and registration are calculated based on location as well as the rate of the ready reckoner. Here are a few most important factors that impact the cost of registration and stamp duty in Maharashtra and Pune, as well as Mumbai as well as Pune.

Type of Property: Stamp duty as well as registration fees in Maharashtra depend on the kind of property. For instance, a person might pay less stamp duty on residential properties than on commercial properties in Maharashtra.
Age of the Property: The property’s age is also a major factor in determining the stamp duty and registration fees in Maharashtra. If you are investing in an older home may be charged less stamp duty in Maharashtra as compared to the cost of a new property.
Age of the Buyer: If the buyer of the property is an elderly person, they are eligible for lower registration and stamp duty fees in Maharashtra.
Location of the Property: Sometimes, the location aids in reducing the cost of registration and stamp duty in Maharashtra. This is due to the fact that stamp duty costs in Maharashtra are determined by the Ready Reckoner Rate that varies based on the area and the location of the home.
Female Buyer’s Gender: As with older women, women from Maharashtra are also able to enjoy less stamp duty when registering a home on their behalf.

Discounts for Women Buyers and Other Cases

In Maharashtra, female homebuyers pay lower stamp duty. If a woman purchases the house on her own, the state will charge an amount lower than that for male buyers.

There are also special prices for other types of deals in the property market, such as:

Gift deeds – Stamp duty is lower, often around 3%
Lease agreements in gram panchayat areas – Around 3%
Gifts within family for residential or agricultural land – Very low charges

If you are planning to make such a deal, it would be wise to check with a lawyer or the local sub-registrar’s office to find out the correct number.

How Much Do These Charges Add Up To?

In Maharashtra, the most common urban homebuyers, the cost of registration and stamp duty usually amounts to about 7 to 8 per cent of the home’s cost. As this is an enormous amount, you should plan for it before you start your search for a house.

How to Pay Stamp Duty Fees in Maharashtra

In Maharashtra Stamp duty can be paid by a variety of ways. You can pay using the following methods:

Stamp paper: Paying for stamp duty by using stamp paper is a traditional method. You can buy stamp paper from the authorities, and you can register it with the office of the sub-registrar.
Franking: A method in which an agreement document is printed and then sent to a bank authorised by the government. Then, the paper will be processed to allow payment of stamp duty using the machines for franking.
E-Stamping: E-stamping can be one of the most convenient ways to pay for the stamp tax in Maharashtra. E-stamps can be purchased online, and the transaction can be made with RTGS or NEFT.

Online Payment of Stamp Duty in Maharashtra (e-Stamp)

In Maharashtra, the old system of paying stamp duty was replaced by an online payment option. This is a step-by-step guide on how to pay for stamp duty in Maharashtra.

Step 1: Log in to the Maharashtra Stamp Duty Online Payment portal, i.e., https://gras.mahakosh.gov.in/igr/frmIndex.php

GRAS Window for Online Payment of Stamp Duty in Maharashtra

Step 2: Click the ‘Pay Without Registration’ tab on the homepage.

Online Payment of Stamp Duty in Maharashtra without Registration

Step 3: Click on ‘Pay to register your documents’. Here you can pay the stamp duty and registration charges together or just the stamp duty/registration charges separately.

Step 4: After you’ve chosen an option, it is necessary to enter the details, including the name of the district, PAN number, name of the payer, along with property details and details about the value of the property. Then, you can pay the amount.

Step 5: Choose a payment option and then create an invoice,e since it is needed for the purpose of executing the document.

Offline Payment of Stamp Duty in Maharashtra

Here’s how you can pay stamp duty in Maharashtra offline.

Set up an appointment with the Sub-Registrar’s office via IGR’s IGR portal.
Check that original documents, as well as proof of identity, are presented to the Sub-Registrar by the buyer, seller, and two witnesses.
After confirmation, the Sub-Registrar will record your property under the name of the buyer.

Tax Benefits on Stamp Duty in Maharashtra

According to Section 80C in the Income Tax Act, you are entitled to income tax deductions for tax, stamp duty and registration costs. The total deduction allowed in Section 80C is restricted to Rs 1.5 lakh.

Exemptions and Concessions in Stamp Duty in Maharashtra

There are many ways to get a lower cost on property taxes in Maharashtra. First of all, female buyers are entitled to an 1% discount on stamp duty when purchasing residential homes. One of the benefits lies in the fact that this “lock-in” clause was removed. This means that women are now able to move their properties anytime they wish without forfeiting the cash rebate.

In the 2025 Housing Policy, seniors will be eligible for an important benefit. If you are a senior citizen (over 60 years old)who buys a house within a retirement community that is approved, the stamp duty will be reduced to 11,000 rupees. This is significantly less than the typical rate of 5% or 6%. rate. The projects should provide special facilities like medical aid and easy transportation.

If you own property documents from the year 1980 to 2020 that were not stamped properly or stamped, you can avail the Abhay Yojana (Amnesty Scheme) is a great option. It permits you to pay the outstanding debt and results in a substantial reduction in penalty. In most cases, the government is able to waive 80%-100 per cent of late fees.

There are also minimal charges for gifts to family members. If you give a home to a family member who is close, for example, a spouse or child, the stamp duty is just 200 rupees. Be aware that you are entitled to tax deductions of as much as Rs 1.5 lakh for the expenses you incur as per Section 80C. Always verify the current rates of the ready reckoner prior to paying any amount.

New Electronic Bond System for Stamp Duty in Maharashtra

It is reported that the Maharashtra government has introduced an online bond system commonly called e-bond, or is currently using the electronic-SBTR (Electronic Secured Treasury and Bank Receipt) system, which allows people to pay their stamp duty on their own and receive E-stamp certificates.

How to Buy Stamp Papers Online for Paying Stamp Duty in Maharashtra

This usually includes the following steps on the official portals of the state. These portals include the Government Receipts Accounting System (GRAS) portal (gras.mahakosh.gov.in), or the Department of Registration and Stamps (igr.maharashtra.gov.in):

Log in to the website: Go to the official GRAS website or the Registration and Stamps Department’s website.
Choose Payment: Select Pay without registration or sign in as an existing user.
Indicate the Department as well as Payment Type: Choose the ‘Inspector General of Registration’. Select e-SBTR (Electronic secured bank and receipt for Treasury). The e-SBTR option is the legal option for e-stamping to pay higher-value stamp duties in Maharashtra, and ‘e-Challan’ is typically used for registration costs.
Complete the transaction details: Complete all necessary information such as the name of the District, Sub-Registrar Office (SRO) name and financial year as well as the stamp duty amount and registration fee amount information about the party paying (first person) as well as the second parties (second party) and the property’s details (if relevant) as well as the article code and the amount of consideration.
Online Payment: Choose one of the banks that accepts the payment online with a debit card, net banking or other payment options.
Print Proof of Payment: Create and print the document proving the payment (e-challan or receipt for payment).
Request e-SBTR by taking the evidence of payment to the chosen branch of an authorised bank (e.g., Bank of Maharashtra, PNB, IDBI, Canara Bank) to print the e-SBTR on government-secured stationery.
Registering and Attachment: A e-SBTR printed is later attached to the original document (e.g. sale deed, contract) and is then delivered to the Sub-Registrar Office. Sub-Registrar Office for final registration.

Notice of Intimation for Stamp Duty and Registration Charges

The NOI, also known as Notice of Intention for depositing loan titles, deeds, and mortgages, is made online. There is no requirement to go to the SRO office, and the Notice of Intimation fees can be paid via the internet. You’ll need to sign in to the Maharashtra registration and stamp duty charges website.

If you are filing online When you file online, it is possible to file online. Notice of Intimation fee will be Rs. 1000 for any amount of loan. If you pay your Notice of Intimation in person at the SRO office The NoI or document handling fee will be Rs300.

Stamp Duty in Maharashtra Refund

The Maharashtra Stamp Act, 2017, governs stamp duty refunds in Maharashtra. Stamp duty can be refunded in Maharashtra in the following cases:

Situations in which the signature of an individual is mandatory, but the individual is unable to sign or dies before signing.
Situations where one of the parties to the stamp paper document is unable to sign the document.
If a person fails to meet the conditions and terms
Situations in which the stamp duty is not sufficient, or the transaction was made by using a stamp paper document that has the correct amount.
If the stamp paper is damaged, the parties involved have put together a separate stamp document to serve the same purpose.
Stamp paper that is not usable because of clerical mistakes.
Cases where the stamp paper is unsigned, and the information filled in (complete/incomplete) is not to be used.
There are cases where the stamp paper has been stamped, but the transaction is not legal (as per Section 31 under the Specific Relief Act).
A case where the law enforcement authorities declare the transaction illegal from the beginning (void from the outset).

Tips for Buyers in Maharashtra

Here are a few easy tips:

Before you sign any contract before signing any contract, make sure to make sure you know the rates for the ready reckoner for your region on the internet.
Find out if the property falls within the limits of the municipal or gram panchayat limits.
Ask your agent or builder for a full list of registration and stamp duty costs.
Include these costs in your budget as soon as possible to avoid surprise costs in the future.

State-specific stamp duty reliefs

Certain states go further by implementing specific policies. An example of this could be Tamil Nadu, which, in December 2025, permitted buyers to change the stamp duty on construction contracts registered against the stamp duty to be paid upon registration. This aided buyers in not having to pay stamp duty twice for the same value of property.

Some states also provide specific state-specific exemptions based on certain conditions. For instance, the UP government offers a one per cent stamp duty reduction for women who purchase properties worth up to Rs 1 crore as part of an empowerment program targeted to women.

Be aware that these exemptions tend to be time-bound and dependent on eligibility requirements and are not restricted solely to buyers who are first-time buyers. So, make sure to check the details before proceeding.

Stamp duty rebates on affordable housing

Another place where first-time homebuyers could find relief in the affordable housing market (this is dependent on the state in which you purchase the home). Many states offer a lower rate of stamp duty or fixed costs for homes that are in the category of ‘affordable’ (typically priced at less than Rs45 lakh however, this may vary between states.

These measures are designed to cut down on transaction costs and make homes more accessible to those who need them, which includes many first-time homebuyers. But these measures do not apply across the nation and are not always permanent. They tend to be tied to time, sizes or prices. So, if you’re contemplating a project for affordable housing, look up the latest announcements from the state government or ask about the sub-registrar’s office.

If you’re purchasing a house for the first time in your life, a bit of planning will be beneficial. Begin by looking up the current stamp duty rates for the state you live in, since they may differ. Also, make sure to check whether there are any discounts for female buyers that can lower the total price. Also, be prepared to avail tax advantages that are available in Section 80C under the Income Tax Act, and keep an eye on any state-level programs or temporary reductions in duty which could be in place. Following these steps can assist you in making educated decisions and reducing unnecessary costs when you register.

Maharashtra Stamp Duty 2026 | Registration Charges & Property Transfer Fees