Stamp Duty and Registration Charges in Mumbai 2026

Stamp duty and registration charges in Mumbai in 2026 are 6% for men and 5% for women; while 1% of the property value is charged for registration (capped at ₹30,000).

In 2026, understanding the stamp duty and registration charges in Mumbai is essential for anyone looking to buy or sell property in this vibrant metropolis. Stamp duty is 6% for men and 5% for women (both figures include 1% metro cess), while registration is charged at 1% of the property value (capped at ₹30,000).

For buyers exploring flats in Mumbai, these statutory rates form an important part of the overall acquisition outlay.

Through this article, you can understand how to calculate stamp duty in Mumbai, factors influencing these charges, the payment process, and more.

What is Stamp Duty?

This is a tax levied by the state govt for the transfer of property ownership. It is a mandatory cost that homebuyers must pay for registration at Sub-Registrar’s Office (SRO). The amount of stamp duty varies depending on the asset value, location, gender, and other factors decided by the govt.

What is Property Registration Charge?

This is the fee paid to the state govt for officially recording the transfer of ownership in public records. This process ensures the legal ownership of the asset is recognised by the authorities. Flat registration charges in Mumbai are separate from stamp duty, and are 1% of the sale value – but are capped at ₹30,000.

Stamp Duty and Registration Charges in Mumbai 2026: Current Rates

In Mumbai, these statutory charges are determined by the buyer’s gender and location. The rates are as follows:

• Male: 6% of the property’s sale value or the area’s circle rate, whichever is higher
• Female: 5%
• Joint Ownership (Male + Female, Male + Male): 6%
• Joint Ownership (Female + Female): 5%
• All these are inclusive of 1% metro cess
• Registration charge is 1% of the property value, but is capped at ₹30,000

Mumbai vs Navi Mumbai, Thane, Pune: How the Rates Differ

Stamp duty rates vary by municipal jurisdiction and the levies attached to each transaction. Pune, Thane, Navi Mumbai, and Nagpur generally follow 7% for men and 6% for women in 2026.

How to Calculate Stamp Duty and Registration Charges in Mumbai (with Example)

To understand how stamp duty and registration charges in Mumbai are calculated, consider the following example:

You are purchasing an asset in Mumbai for ₹4,00,00,000 (₹4cr).

Stamp Duty Calculation

• For male buyers, the stamp duty is 6% (including 1% metro cess)
• Stamp Duty = 6% of ₹4,00,00,000 = ₹24,00,000

Registration Charge Calculation

• Though registration charges are 1%, they are capped at ₹30,000

Total Charges

• Stamp Duty: ₹24,00,000
• Registration Charge: ₹30,000
• Total: ₹24,30,000

This total of ₹24.3L is payable before / during the registration process at SRO.

The table below explains various scenarios for stamp duty and registration charges in Mumbai.

Beyond the primary purchase costs, buyers should also account for taxes and transaction-related charges that may apply while buying a home in Mumbai. These can include GST, TDS, and minor GRAS or document-handling charges.

• GST: For buyers assessing stamp duty and registration charges and GST Mumbai, 5% GST applies separately to under-construction units, and does not form part of the stamp duty calculation
• TDS: 1% TDS applies under Section 194-IA for property valued above ₹50L, subject to the prescribed tax provisions
• GRAS and document charges: Buyers should also consider document-handling fees of ₹40 per page, along with GRAS transaction charges of ₹5 for NEFT / RTGS and netbanking associated with payment and registration

The same calculation method applies, whether you use the figures / formulae above or the official IGR calculator. For example, homebuyers exploring 3BHK flats in Mumbai can use this approach to estimate their statutory outlay.

Stamp Duty on Resale Flats vs Under-construction Properties

For a first resale within 3 years of the original registered agreement with the developer, Maharashtra permits a stamp duty set-off.

Under this provision, the new buyer pays stamp duty on the difference between the original agreement and the resale value, subject to statutory valuation rules. The stamp duty for resale flat in Mumbai carries a minimum differential duty of ₹100.

Under-construction purchases attract stamp duty at registration, while GST applies separately as per prevailing tax provisions. Explore this guide on GST on flat purchase, for the applicable rates and tax treatment.

Stamp Duty for Women, Joint Owners, and Senior Citizens in Mumbai

Women purchasing residential units solely in their name pay 5% stamp duty. Joint female ownership follows the 5% rate, while joint male-female ownership attracts 6%. Under Maharashtra Housing Policy 2025, senior citizens purchasing approved senior-living homes pay ₹1000 as stamp duty.

Factors Influencing Stamp Duty & Registration Charges

Home registration charges in Mumbai are influenced by various factors, which can significantly alter the final cost. These factors include:

• Asset Value: Higher cost attracts higher statutory rates. Explore this guide on Mumbai property price trends, for insights into recent value appreciation in the city

• Buyer’s Gender: Stamp duty and registration charges in Mumbai for females are reduced to 5%, compared to 6% for male buyers
• Property Type: Residential assets generally attract reduced stamp duty compared to commercial real estate
• Ownership Type: Joint ownership between 2 females results in lower stamp duty rates (5%)
• Market Value vs Ready Reckoner Rate: Stamp duty is calculated based on the higher of the market value or ready reckoner rate. Explore this guide on the ready reckoner rate for its meaning, calculation, and role in property valuation.

How to Pay Stamp Duty and Registration Charges Online in Maharashtra

Paying stamp duty and registration charges in Mumbai is an important part of the process. There are various methods for these, such as:

• Online Payment via GRAS Portal: You can pay online through the Government Receipt Accounting System (GRAS) website
• Payment at Authorised Banks: Payments can also be made at banks authorised by the Maharashtra govt
• Sub-Registrar’s Office: You can pay these charges directly at the SRO, while submitting documents for registration
• Payment through DD: In certain cases, payments can be made through a demand draft drawn in favour of the designated authorities

Explore this guide on the property registration process in Mumbai, for a step-by-step overview.

Documents Required for Property Registration in Mumbai

While registering luxury apartments in Mumbai, it is important to have all the necessary papers to ensure the process is smooth. The documents required for property purchase include:

• Sale Deed: The original sale deed signed by both the buyer and the seller
• ID Proof: Aadhar card / passport / voter ID / any govt-issued identity proofs of both parties
• Address Proof: Proof of the buyer’s address, such as utility bills / bank statements
• PAN Card: The PAN cards of both buyer and seller
• Other Documents: Copies of title deed, tax receipts, and Encumbrance Certificate
• Passport-size Photos: Recent images of the buyer and seller
• Power of Attorney (if applicable): If a representative is registering the property on behalf of the buyer; this is applicable especially for NRIs

Explore this first-time buyer guide for Mumbai, for an overview of the budgeting and registration steps involved in buying a home.

Late Payment Penalty, Refunds, and Common Mistakes to Avoid

• Underestimating total cost of acquisition: Always account for stamp duty and registration charges in Mumbai while budgeting
• Missing payment deadlines: Ensure payments are made within the specified time frame, to avoid penalties
• Not verifying property title: Confirm that the title is clear and verified, before proceeding with the registration

Government Reliefs & Exemptions

Some reliefs and exemptions that can reduce the stamp duty and registration charges in Mumbai for certain buyers are as follows:

• Women: They receive 1% reduction in stamp duty compared to male buyers, reducing the effective rate to 5%
• Senior Citizens: Stamp duty for senior citizens is ₹1000, for approved retirement homes

Conclusion

Understanding stamp duty and registration charges in Mumbai is essential for anyone buying an asset in the city. These costs are influenced by multiple factors – including the buyer’s gender, the property’s cost, and its location.

It is important to factor in these rates in the homebuying budget, to avoid unexpected expenses and ensure smooth transactions. Staying informed about current rates and available exemptions helps homebuyers estimate the overall financial outlay for their real estate purchase in Mumbai.

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