Stamp Duty Calculator — Maharashtra
Calculate stamp duty and registration in Maharashtra including the 1% metro cess in Mumbai, Pune, Thane, Navi Mumbai and Nagpur, and the 1% concession for women buyers.
Maharashtra charges 6% stamp duty for men and 5% for women, plus a 1% metro cess in the cities that have a metro project — Mumbai, Pune, Thane, Navi Mumbai, Nagpur and Pimpri-Chinchwad. Registration is 1%, capped at ₹30,000.
So a man buying in Mumbai pays 7% total duty, while a woman buying the same flat pays 6%. On an ₹1 crore flat that concession is worth ₹1,00,000 — the single cheapest saving available in the whole transaction.
Maharashtra rates at a glance
| Buyer | Stamp duty | Metro cess | Total in Mumbai/Pune |
|---|---|---|---|
| Male / company | 6% | 1% | 7% |
| Female (sole owner) | 5% | 1% | 6% |
| Joint — male + female | 5.5% | 1% | 6.5% |
Registration is 1% of value, capped at ₹30,000. Outside the metro cities the 1% cess does not apply.
The women's concession — the conditions
The 1% reduction applies where the buyer is a woman and she is the sole or first-named owner. It was introduced in 2021, and the earlier condition preventing resale to a male buyer within 15 years was removed in 2023 — so the concession no longer restricts what you do with the property afterwards.
A worked example
A ₹1,00,00,000 flat in Pune bought in a woman's name: duty 5% = ₹5,00,000, metro cess 1% = ₹1,00,000, registration capped at ₹30,000 — ₹6,30,000. In a man's name it would be ₹7,30,000. The concession saves ₹1,00,000.
Ready reckoner rate
Duty is charged on the higher of your agreement value and the government's ready reckoner rate for that building and floor. 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).
Rates are revised in the state budget and the reckoner is updated annually. Confirm on the IGR Maharashtra portal before you budget.
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Create your free property pageFrequently asked questions
What is the stamp duty in Mumbai in 2026?
7% for a male buyer — 6% stamp duty plus 1% metro cess — and 6% for a female sole owner. Registration is 1% capped at ₹30,000.
Do women pay less stamp duty in Maharashtra?
Yes, 1% less. A woman who is the sole or first-named owner pays 5% instead of 6%, worth ₹1 lakh on a ₹1 crore property.
What is the metro cess?
A 1% surcharge on property transactions in cities with metro rail projects — Mumbai, Pune, Thane, Navi Mumbai, Nagpur and Pimpri-Chinchwad — used to fund the infrastructure.
Is stamp duty calculated on carpet area or agreement value?
On value, not area: the higher of your agreement value and the ready reckoner value for that property.
Can I pay Maharashtra stamp duty online?
Yes, through GRAS (the Government Receipt Accounting System) on the IGR Maharashtra portal, and leave-and-licence agreements can be e-registered with Aadhaar authentication.