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Maharashtra Stamp Duty Calculator 2025–26
Estimate stamp duty and registration charges for Maharashtra property — Mumbai, Pune, Nagpur, and all districts. Male, female, and joint buyer rates.
Select “Maharashtra” in the state step
Maharashtra Stamp Duty Rates 2025–26
| Buyer Type | Stamp Duty | Registration Fee | Total (approx) |
|---|---|---|---|
| Male | 5% | 1% | 6% of property value |
| Female | 4% | 1% | 5% of property value |
| Joint (male+female) | 4% | 1% | 5% of property value |
| Mumbai (extra metro cess) | +1% surcharge | 6–7% effective |
Additional 1% Local Body Tax (LBT) applies in Mumbai, Pune, and other municipal corporation areas. Always verify with igrmaharashtra.gov.in.
Important: Ready Reckoner Rate
Maharashtra stamp duty is charged on the higher of your agreement value or the government's Ready Reckoner Rate (RRR). In high-demand areas like South Mumbai, Bandra, and Koregaon Park, the RRR may be higher than your actual transaction price. Check igrmaharashtra.gov.in before finalising your budget.
What the duty is actually charged on
This is the single most common surprise at the registrar’s office. Stamp duty in Maharashtra is not charged on what you agreed to pay — it is charged on the higher of the agreement value and the circle rate (also called the ready reckoner rate), the minimum valuation the state government publishes for each locality and revises annually.
If you negotiate a price below the circle rate for your area, you still pay duty on the circle rate. In a falling market that gap can be substantial, and it is the reason a quote based purely on the sale price comes in short. Check the circle rate for the exact locality — not the city average — before you budget.
Registration charges are separate
Stamp duty and registration are two different payments and people routinely budget only for the first. In Maharashtra the stamp duty is 5% and the registration charge is a further 1% on the same valuation.
Neither is included in your home loan sanction. Lenders fund a percentage of the property value and these costs sit outside it, so they come out of the same savings as your down payment — the most common reason a buyer is short at closing.
What this estimate does not cover
- GST on under-construction property. Ready properties and resale carry no GST; under-construction does, and it is charged separately from stamp duty. See the GST on property calculator.
- Legal and documentation fees. Drafting, title verification and the registrar’s facilitation charges.
- Society transfer and NOC charges on a resale flat, set by the housing society rather than the state.
- TDS on the purchase. Buyers must deduct TDS where the consideration crosses the statutory threshold — see the TDS on property calculator.
How and when you pay
Stamp duty is paid before or at the time of registration, and registration has to happen within four months of the document being executed. Most states now use e-stamping through SHCIL or the state’s own portal rather than physical stamp paper.
Undervaluing the transaction to reduce duty is the risk worth naming: the registrar can refer the document for valuation, and a shortfall attracts the deficit plus penalty and interest. Since the duty is assessed on the circle rate anyway, an under-declared sale price usually saves nothing and creates exposure.
Rates shown are the headline residential rates for Maharashtra and are a planning estimate. States revise circle rates annually and run periodic concessions, and municipal cess can apply on top in some cities. Confirm the current figure with the sub-registrar’s office or the state revenue portal before you transfer funds — and treat this as a starting point for a conversation with your lawyer, not as tax advice.
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Frequently asked questions
What is the stamp duty rate in Maharashtra for 2025–26?+
Maharashtra stamp duty rates 2025–26: Male buyer — 5% of property value. Female buyer — 4% (1% concession). Joint (male+female) — 4%. Additional 1% for properties in Mumbai Municipal Corporation area (BMC). Registration fee is 1% of property value across Maharashtra.
How is stamp duty calculated in Maharashtra?+
Maharashtra stamp duty is calculated on the higher of the agreement value or the Ready Reckoner Rate (RRR) set by the government. If you buy a flat for ₹80 lakhs but the RRR value is ₹90 lakhs, stamp duty is calculated on ₹90 lakhs. Always check the current RRR for your specific area at igrmaharashtra.gov.in.
Is there a stamp duty concession for women in Maharashtra?+
Yes. Women buyers in Maharashtra pay 4% stamp duty vs 5% for men — a 1% concession. For a ₹1 crore property, this saves ₹1 lakh in stamp duty. The concession applies only if the property is registered solely in the woman's name. Joint registration with a male co-buyer gets 4% (same as female-only) in Maharashtra.
What are the other charges in Maharashtra property registration?+
Maharashtra property registration costs include: Stamp duty (4–6%), Registration fee (1%), Local Body Tax (1% in Mumbai/Pune municipal areas), Metro Cess (1% in Mumbai), and stamp duty on agreement (0.1% of purchase price, deductible from final stamp duty). Total outgo in Mumbai can reach 7–8% of property value.
Maharashtra Stamp Duty Calculator is built and maintained by the RealCostIQ editorial team. Cost ranges and rates are checked against published industry data and contractor quotes, and revised when the underlying figures move. Read our data methodology or more about who builds this. Every calculation runs in your browser — no account, and none of your inputs are stored.
Cost ranges and rates here are checked against contractor quotes and published industry data. If a number still looks off, email Support@RealCostIQ.com and we'll review and fix it.