Maharashtra Stamp Duty Rates 2026: City-wise Latest Guide

If you’re planning to buy your dream home in Maharashtra, it’s not enough to just look at the property price. There’s a major expense that people often calculate at the last minute: the Maharashtra stamp duty rates. Look, buying a home is an emotional decision, but it’s also a major financial commitment.

In 2026, the Maharashtra government has adopted a balanced approach to boost the real estate market. Stamp duty is basically a tax you pay to the government so that your property can be registered in the legal records. If you don’t pay it, you won’t be legally recognized as the owner of that property. This year’s rates vary slightly, depending on whether you’re buying a home in a posh area of Mumbai or in a rural zone.

The most important thing is that in Maharashtra, along with stamp duty, you also have to keep track of Metro Cess and Local Body Tax (LBT). These small percentages together have a big impact on your budget. Therefore, you should always calculate based on whichever is higher: the Agreement Value or the Ready Reckoner Rate.

Quick Look: Maharashtra Stamp Duty & Registration Charges (2026 Table)

People most often search online for the exact percentage in their area. For this, we have provided the table below so you can get a clear idea:

Region / Category	Stamp Duty Rate	Registration Charges	Additional Taxes (Cess/LBT)
Mumbai (Urban)	5%	1% (Max ₹30,000)	1% Metro Cess
Pune, Thane, Nagpur	5%	1% (Max ₹30,000)	1% Metro Cess + 1% LBT
Semi-Urban / Rural	3% – 4%	1% of Property Value	NA
Women Buyers	1% Concession	1% (Max ₹30,000)	Applicable as per area

Pro Tip: If you register your property in a woman’s name, the Maharashtra government gives you a flat 1% discount. So if the general rate is 6% (including cess), it’s only 5% for women. This can save you hundreds of thousands.

When registering property, stamp duty alone isn’t enough. You should also include document handling and lawyer’s fees in your budget in advance. In Maharashtra, registration charges are generally 1%, but if the property’s value exceeds ₹30 lakh, the charge is capped at ₹30,000.

You can always check the latest notifications on high-authority sources like IGR Maharashtra, because the government sometimes makes temporary rate changes under specific schemes.

City-wise Breakdown: What are the rates in Mumbai, Pune, Thane, and Nagpur?

Stamp duty rates in different cities across Maharashtra vary based on local infrastructure and government policies. If you’re buying or planning to buy a home in major cities like Mumbai or Pune, you should definitely know about Metro Cess.

• Mumbai (MMR Region): In Mumbai, the base stamp duty is 5%, but with a 1% Metro Cess, it totals 6%, which applies only to men.
• Pune, Thane, and Nagpur: In these cities, charges can be slightly higher because in addition to Metro Cess, a Transport Surcharge or Local Body Tax (LBT) is sometimes also applied. For this reason, the effective rate in these areas can go up to 7%.
• Navi Mumbai: Here, rates are generally on par with or slightly lower than Mumbai’s, hovering around 6%.

Here it’s important to understand why this extra 1% Metro Cess is being collected. The government uses the money it takes from you to build new metro routes and bridges in the city. So, since living in urban areas has certain benefits, you have to pay a bit of extra tax for them.

Special Concessions: Will Women Get a 1% Discount?

Yes, under the Maharashtra government’s ‘Rajmata Graha Swamini Yojana,’ women receive a direct 1% discount on property registration. This step has been taken to encourage women to become property owners.

However, there are some conditions you must first keep in mind to get this discount:

• Sole Ownership: The property must be in the woman’s name only. If the property is joint (male + female), the benefit may not be available or may be partial in some cases.
• Residential Property Only: This 1% rebate is only available for purchasing a home (flat, bungalow). It does not apply to commercial or industrial plots.
• Resale Rules: Previously, there was a rule that a woman could not sell the property to a man for 15 years, but the government has now introduced significant relaxations.

Important Note: If you are buying a ₹1 Crore house, then a 1% saving means a direct saving of ₹1,00,000! That’s why people nowadays prefer to register property in the name of their wife, mother, or sister.

If you want to use these rates correctly in your calculations, always check the Ready Reckoner Rate. This is the minimum value on which the government levies tax.

Stamp Duty on Different Deeds: Gift Deed and Rent Agreements

You may know that stamp duty is not only payable when buying a house, but also when transferring property within the family or selling your property to someone else. People often get confused about this, so let’s understand it properly:

• Gift Deed (Blood Relative): If you are gifting property to a blood relative, such as a spouse, sibling, or child, the stamp duty in Maharashtra is significantly lower. For residential or agricultural property, this is often between ₹200 and ₹500, and you also have to pay registration charges.
• Gift Deed (Non-Blood Relation): If you gift property to a friend or distant relative, the normal sale deed rates of 5%-6% apply.
• Selling property to someone else: In Maharashtra, when you sell your property to another person, you have to pay SDR to the government. The only difference is that buyers in this case don’t have to pay GST.

Step-by-Step: How to Pay Stamp Duty Online (IGR Maharashtra)?

Gone are the days when you had to stand in long lines. You can now make payments online through the Government Receipt Accounting System (GRAS).

Here’s a simple, step-by-step breakdown of the process:

• Go to the IGR Maharashtra Website: First, visit the official IGR Maharashtra site.
• Select e-Payment: Here, you will need to fill in the ‘Payer’ details, such as your name, address, and property details.
• Payment Mode: You can use Net Banking, Debit Card, or UPI to make the payment.
• Generate Challan: After the payment is successful, an e-Challan (MTR Form 6) will be generated. Keep a printout of this, as it is the most important document during registration.

Please Note: When making the online payment, check that you have selected the correct SRO (Sub-Registrar Office). Selecting the wrong SRO may require a lot of hassle to get a refund later.

Frequently Asked Questions