Buying a property in Maharashtra can be a significant financial milestone. But apart from the property’s market value, homebuyers must also account for stamp duty and registration charges, which are mandatory legal fees paid to the state government. These charges vary across cities in Maharashtra and are influenced by factors such as gender, property location, and property type.
Understanding these charges beforehand helps in accurate budgeting and avoids unexpected financial burdens during the registration process.
Table of Contents
What is Stamp Duty?
Stamp duty is a tax levied by the state government on the transfer of property ownership. It acts as legal proof of property purchase and is essential for registering the transaction with the government. Along with stamp duty, a registration fee is charged for recording the property in the government’s records.
What is the Maharashtra Stamp Act?
The Maharashtra Stamp Act, 1958, governs all transactions requiring stamp duty in the state. Under this Act, any legal instrument that deals with the sale, gift, lease, or power of attorney of a property is subject to stamp duty. The law is regularly amended to include new rules, penalty provisions, and e-payment systems.
Stamp Duty and Registration Charges in Key Maharashtra Cities
Here is the updated table of stamp duty and registration charges in major cities of Maharashtra for 2025:
| City | Stamp Duty (Men) | Stamp Duty (Women) | Registration Charges |
|---|---|---|---|
| Mumbai | 6% (incl. 1% metro cess) | 5% (incl. 1% metro cess) | ₹30,000 (above ₹30L) / 1% (below ₹30L) |
| Pune | 7% (incl. local surcharges) | 6% | ₹30,000 (above ₹30L) / 1% (below ₹30L) |
| Thane | 7% | 6% | ₹30,000 (above ₹30L) / 1% (below ₹30L) |
| Navi Mumbai | 7% | 6% | ₹30,000 (above ₹30L) / 1% (below ₹30L) |
| Pimpri-Chinchwad | 7% | 6% | ₹30,000 (above ₹30L) / 1% (below ₹30L) |
| Nagpur | 7% | 6% | ₹30,000 (above ₹30L) / 1% (below ₹30L) |
Note: Women homebuyers in Maharashtra continue to enjoy a 1% discount on stamp duty compared to men.
Stamp Duty on Resale Flats in Mumbai (2025)
For resale property transactions, stamp duty rates in Mumbai depend on the location of the property:
| Area Type | Men | Women | Registration Charges |
|---|---|---|---|
| Urban limits (e.g., Mumbai city) | 6% | 5% | 1% of property value |
| MMRDA zones (municipal councils, cantonments) | 4% | 3% | 1% |
| Gram Panchayat areas | 3% | 2% | 1% |
Buyers must check whether their property lies within municipal, metropolitan, or rural jurisdiction, as this directly affects the payable charges.
Navi Mumbai: Stamp Duty and Charges
In Navi Mumbai, the applicable stamp duty and registration charges in 2025 are:
| Ownership Type | Stamp Duty | Registration Charges |
|---|---|---|
| Individual (Male) | 7% | 1% |
| Individual (Female) | 6% | 1% |
| Joint (Male + Male) | 7% | 1% |
| Joint (Male + Female) | 7% | 1% |
| Joint (Female + Female) | 6% | 1% |
Even in joint ownership, the stamp duty is based on the gender of the co-owners, with women owners continuing to benefit from reduced rates.
Gift Deed Stamp Duty in Maharashtra (2025)
As per Article 34 of the Maharashtra Stamp Act, the stamp duty on gift deeds is:
| Gift Deed Type | Stamp Duty |
|---|---|
| General gift deed (any property) | 3% of market value |
| Gift to family members (residential/agricultural) | ₹200 flat |
This concessional rate applies only when the property is gifted to close blood relatives such as parents, siblings, children, or spouse, and no money is involved in the transfer.
Other common instruments and their duties:
- Lease Deed: 5% of average annual rent.
- Power of Attorney:
- 5% in urban areas
- 3% in rural panchayat areas
Factors That Affect Stamp Duty and Registration Charges
- Location: Charges vary significantly between urban, semi-urban, and rural zones.
- Gender: Women buyers get a 1% concession.
- Property Type: Agricultural, residential, and commercial properties are treated differently.
- Ownership Type: Single or joint ownership affects applicable rates.
- Transaction Nature: Whether the property is newly constructed, under construction, or a resale.
Conclusion
Stamp duty and registration charges form a major part of the hidden costs of property investment. These government levies are legally required to validate property ownership in Maharashtra and are governed by the Maharashtra Stamp Act, 1958. In 2025, while women continue to receive benefits, the rates remain significant and must be planned for early in the buying process.
Whether you’re purchasing a flat in Mumbai or inheriting agricultural land in a rural district, knowing the applicable charges can help you avoid costly surprises.
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Frequently Asked Questions
1. Do I need to pay stamp duty for a gifted property?
Yes, unless it’s a residential or agricultural property gifted to a close family member, in which case a flat ₹200 applies.
2. Can stamp duty be paid online in Maharashtra?
Yes. Maharashtra allows e-payment of stamp duty and registration charges via the official IGR Maharashtra portal.
3. Is stamp duty refundable?
Stamp duty is non-refundable except under specific conditions such as cancellation of sale deed under legal grounds.
4. Are there different charges for under-construction properties?
No. Stamp duty is based on the agreement value or market value, whichever is higher, regardless of construction status.
5. What happens if I delay registration?
Delays in registration can attract penalty interest and may affect your legal ownership of the property.
Also read: Stamp Duty Charges in Pune, 2024