Stamp Duty and Registration Charges in Maharashtra (2026)

Your rate depends on where the property sits and who buys it. The table below covers the main municipal corporation cities for residential flats in 2026.

Smaller municipal councils and rural areas charge lower rates. If you buy outside a municipal corporation, check the exact local rate on the IGR Maharashtra website first.

The headline rate combines three separate levies, and that explains why Thane costs more than Mumbai. Here is the split for a male buyer:

The metro cess funds metro rail projects, while the LBT surcharge goes to the local municipal body. Mumbai does not levy the LBT surcharge, so buyers there pay 1% less than buyers in Thane.

Registration charges make your purchase legal in government records. You pay 1% of the property value, but the fee stops at ₹30,000 above ₹30 lakh. So a ₹50 lakh flat and a ₹5 Cr flat both carry the same ₹30,000 registration fee.

You must present the document for registration within four months of signing it. If you miss this window, you may face a fine and extra steps at the Sub-Registrar office.

Maharashtra gives women a 1% cut on stamp duty to encourage home ownership among women. On a ₹1 Cr flat in Thane, this concession saves you ₹1 lakh. Keep these conditions in mind before you rely on it:

• The concession applies only to residential property, not to shops or offices.
• The woman should be the sole buyer, or all co-buyers should be women.
• If a man joins as a co-owner, the standard male rate applies in most cases.
• Recent guides report that the earlier 15-year resale restriction on this concession no longer applies.

Joint ownership rules can vary by case, so confirm your rate with your lawyer before you sign.

The formula stays simple once you know your rate and property value, and it takes four quick steps:

• Find the ready reckoner rate for your locality on the IGR Maharashtra website.
• Compare it with your agreement value, and pick the higher of the two.
• Multiply that value by your stamp duty rate based on city and buyer type.
• Add the registration fee, which is 1% or ₹30,000, whichever is lower.

Say you buy a ₹1.5 Cr flat in Pune where the ready reckoner value is ₹1.3 Cr. Stamp duty applies on ₹1.5 Cr, so a man pays ₹10.5 lakh and a woman pays ₹9 lakh. The registration fee adds ₹30,000 in both cases.

Thane sits in the 7% bracket for men and 6% for women, which shapes every new home budget. If you are looking at Prestige Falcon City Thane, this table shows stamp duty on each starting price.

Registering the 4 BHK in a woman's name alone saves ₹3.6 lakh on stamp duty. The project is under construction, so you pay stamp duty when you register the Agreement of Sale. That happens at stage 2 of the payment plan. You can check current unit rates on the Prestige Falcon City Thane price page.

Maharashtra lets you pay both charges online through the GRAS portal, which saves a trip to the bank. The whole process takes only a few minutes when your details are ready:

• Visit the GRAS portal at gras.mahakosh.gov.in or the IGR Maharashtra website.
• Choose "Pay without registration" or log in, and select stamp duty payment.
• Enter the property details, district, sub-registrar office and buyer names.
• Pay through net banking, and download the e-challan.
• Carry the challan to the Sub-Registrar office on the day of registration.

Keep these documents ready before your Sub-Registrar appointment, so the process ends in a single visit:

• Signed Agreement of Sale or sale deed, with copies
• PAN and Aadhaar of all buyers and sellers
• Recent passport-size photos of every buyer and seller
• Printed e-challans for stamp duty and the registration fee
• Property card, RERA registration details and building approvals for new projects
• Two witnesses with valid ID proof

Small errors here can add lakhs to your final cost, so watch for these:

• Paying stamp duty on the agreement value when the ready reckoner value runs higher
• Adding a male co-owner late and losing the women's concession
• Missing the four-month registration window after signing
• Forgetting that most banks do not include stamp duty in your home loan amount

Under-stamping can lead to a penalty along with recovery of the shortfall. So always check the ready reckoner value before you pay.