Stamp Duty Calculator — Maharashtra
Maharashtra stamp duty: 5% in municipal areas, 4% in gram panchayats, 1% less for women, registration 1% capped at ₹30,000. From official IGR sources.
Under the Maharashtra Stamp Act schedule, a conveyance of property is charged 5% of market value in municipal corporation and municipal council areas and 4% in gram panchayat areas. Since 1 April 2021 a woman buyer pays 1% less. Registration is 1%, capped at ₹30,000.
On a ₹1 crore flat the women's concession is worth ₹1,00,000 — the single cheapest saving in the whole transaction.
Maharashtra rates at a glance
| Area | Stamp duty | Woman buyer | Registration |
|---|---|---|---|
| Municipal corporation / council | 5% | 4% | 1%, max ₹30,000 |
| Gram panchayat | 4% | 3% | 1%, max ₹30,000 |
A worked example
A ₹1,00,00,000 flat in Pune in a woman's name: duty at 4% = ₹4,00,000, registration capped at ₹30,000 — ₹4,30,000. In a man's name it is ₹5,00,000 + ₹30,000 = ₹5,30,000.
Ready reckoner rate
Duty is charged on the higher of the agreement value and the ready reckoner rate for that building. Buying below the reckoner rate does not reduce the duty, and the shortfall can also be taxed in your hands under Section 56(2)(x).
The 1% metro cess, and where it applies
Separately from the Stamp Act, municipal law adds a surcharge of 1% to the stamp duty on instruments of sale, gift and usufructuary mortgage in a city that has a notified Vital Important Urban Transport Project. The words are in the Acts themselves: duty "shall … be increased by a surcharge at the rate of one per cent." — section 144F(1) of the Mumbai Municipal Corporation Act 1888 for Mumbai, and section 149B(1) of the Maharashtra Municipal Corporation Act 1949 for the other corporations. Both were switched on from 8 February 2019 by notification MCO-2018/CR.230/UD-14.
Which cities that covers depends on where a project has actually been notified. IGR publishes the notifications under "Metro Cess", and as at 20 September 2026 the list holds Mumbai (1 March 2017), Pune (10 May 2018) and Thane (31 July 2019) — and nothing else. Other cities are widely reported to charge it, but we could not confirm them on an official page, so this calculator charges Stamp Act duty only. If your property is in a corporation area, put the transaction through the IGR calculator or ask the sub-registrar before you budget.
Sources (official, read 19 September 2026): Maharashtra Stamp Act, Schedule I (IGR master copy dt 31.07.2026) — Article 25(b); IGR Maharashtra registration fee table; Mumbai Municipal Corporation (Second Amendment) Act 2018 — inserts s.144F (Gazette 17 Dec 2018) — the 1% surcharge, in terms; Maharashtra Municipal Corporation (Second Amendment) Act 2015 — inserts s.149B (Gazette 21 Aug 2015); Commencement notification MCO-2018/CR.230/UD-14, 8 Feb 2019; IGR Maharashtra — Metro Cess notifications (Mumbai, Pune, Thane), read 20 Sep 2026. Rates change by notification; confirm with the sub-registrar before you budget.
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Create your free property pageFrequently asked questions
What is the stamp duty in Maharashtra in 2026?
5% of market value in municipal corporation and council areas and 4% in gram panchayat areas, under the Stamp Act schedule. Women pay 1% less. Registration is 1% capped at ₹30,000.
Do women pay less stamp duty in Maharashtra?
Yes, 1% less since 1 April 2021. On a ₹1 crore property that is ₹1,00,000.
Is stamp duty calculated on carpet area or agreement value?
On value: the higher of your agreement value and the ready reckoner value for that property.
What is the registration fee in Maharashtra?
1% of the value (₹10 per ₹1,000), limited to a maximum of ₹30,000.
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