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Maharashtra Registration & Stamp Duty Guide

Stamp duty bands for Pune and Mumbai, registration cap, ready reckoner basics, and a worked ₹1.2 Cr Pune example.

Stamp duty and registration are state-governed charges on property transactions in Maharashtra. For Pune premium buyers, they often sit alongside GST (on under-construction homes), society deposits, and interiors in your total move-in budget.

This guide explains how stamp duty is structured in municipal Pune and Mumbai, how the 1% registration fee cap works, and what ready reckoner (RR) rates mean for your final payable amount. Numbers align with our stamp duty calculator logic; always confirm on the official IGR Maharashtra portal before you pay.

Official portal: igrmaharashtra.gov.in · Last reviewed May 2026

Interactive worked example

Adjust consideration, city, and buyer profile. Math uses the same rules as this guide (shared with our stamp duty calculator).

Stamp duty (7%)

₹8,40,000

Registration (1% cap ₹30k)

₹30,000

Misc (~0.1% planning line)

₹12,000

Total government (illustrative)

₹8,82,000

7.35% of consideration

7% (5% base + 1% metro cess + 1% local body tax, municipal Pune)

Fixed example: ₹1.2 Cr flat in Pune (male buyer)

  1. Stamp duty at 7% on ₹1,20,00,000 = ₹8,40,000
  2. Registration 1% = ₹1,20,000, capped at ₹30,000
  3. Misc planning line (~0.1%) ≈ ₹12,000
  4. Total ≈ ₹8,82,000 before GST, TDS, advocate, or society charges

What you pay at registration

On a typical Pune or Mumbai residential purchase, government charges at registration usually include stamp duty (state levy on the conveyance), registration fee (paid to the registration department), and smaller handling or miscellaneous line items.

GST on under-construction property, TDS on high-value deals, advocate fees, and society corpus are separate. Our total move-in cost calculator helps you phase those alongside stamp duty.

Duty is calculated on the higher of your agreement value or the government ready reckoner (RR) rate for the property. Never budget only on the builder quote.

Stamp duty bands (municipal Maharashtra)

The table below shows common stamp duty percentages for residential conveyance in municipal Pune and Mumbai. Rural or gram panchayat areas can be lower (often near 4% to 5%). Verify your exact property classification on IGR Maharashtra.

LocationMale buyerFemale buyerMale + female joint
Pune (municipal)7%6%6.5%
Mumbai (municipal)6%5%5.5%
Pune breakdown (male)5% base + 1% metro cess + 1% local body taxConcession on eligible componentsBlended rate

Source alignment: IGR Maharashtra circulars and public rate summaries. Notifications can change. Confirm before payment.

Registration fee and cap

Registration is generally charged at 1% of the consideration or market value (whichever is higher).

For many urban transactions where the property value exceeds ₹30 lakh, the registration fee is capped at ₹30,000. Below ₹30 lakh, 1% of value typically applies without that cap.

Example: on ₹1.20 crore, 1% would be ₹1,20,000 but the cap reduces payable registration to ₹30,000.

Consideration1% registration (uncapped)Typical payable (with ₹30k cap)
₹50 lakh₹50,000₹50,000
₹1.00 crore₹1,00,000₹30,000
₹1.20 crore₹1,20,000₹30,000
₹2.50 crore₹2,50,000₹30,000

Ready reckoner (RR) rates

Maharashtra publishes ready reckoner rates by zone. If the RR value for your flat or villa exceeds your agreement price, stamp duty is computed on the RR value.

Developers sometimes show "all inclusive" pricing. Ask your advocate for the RR slab, carpet area, and parking / amenity loading before you lock the budget.

Search e-ASR / ready reckoner tools on igrmaharashtra.gov.in for the ward and year of your transaction.

Other registration-line charges

IGR Maharashtra has also notified document handling charges on some registration types (for example ₹1,000 on certain first-sale documents and ₹300 on some leave and licence categories). These are separate from stamp duty percentages.

Our stamp duty calculator includes an approximate 0.1% miscellaneous line for planning. Your sub-registrar challan is authoritative.

Under-construction vs ready possession

Under-construction: stamp duty may be due on the agreement for sale and again on conveyance / sale deed at possession, depending on the documentation path your developer and bank use.

Ready possession: stamp duty and registration often consolidate at the sale deed stage. GST is generally not applicable on completed inventory the same way as UC.

High-level registration flow

1. Finalise agreement value and obtain RR / valuation support from your advocate.

2. Purchase stamp duty e-challan or stamp paper per applicable Article of the Indian Stamp Act (Maharashtra schedule).

3. Book sub-registrar appointment (Maha e-Seva / IGR online services where available).

4. Execute sale deed / conveyance, pay registration fee, and collect registered copy.

5. Update property tax and society records after registration.

IGR Maharashtra portalStamp duty calculatorMove-in cost calculatorFirst-time buyer guideRERA checklist

Content last reviewed May 2026. Not tax, legal, financial, or investment advice. Illustrative estimates only. Verify all material figures with your CA, lawyer, and lender before you commit.

Frequently asked questions

Is stamp duty calculated on agreement value or ready reckoner?

Whichever is higher. If the government ready reckoner (RR) rate for your property exceeds your agreement value, duty is calculated on the RR value. Your sub-registrar or advocate will cite the applicable circular.

What is the registration fee cap in Maharashtra?

Many urban registrations charge 1% of consideration, capped at ₹30,000 when the property value is above ₹30 lakh. Below ₹30 lakh, 1% of value typically applies without that cap.

Do women pay lower stamp duty in Pune?

Yes, a concession of about 1 percentage point on stamp duty is commonly available for female buyers (and blended rates for joint ownership). Exact eligibility depends on notification and property type.

When is stamp duty paid for under-construction property?

Often on each agreement / conveyance milestone (booking, agreements for sale, deed on possession). GST is separate. Use our move-in cost calculator for phased cash planning.

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