Guides · Before you buy
Before you buy · 4 min readStamp Duty & Registration in Maharashtra
Reviewed against MahaRERA rules · Informational, not legal advice
The short version: On top of the flat's price, stamp duty and registration are a large, unavoidable cash cost your loan won't cover. Here's roughly what to budget in Maharashtra.
The two charges
Stamp duty is typically around 5–6% of the agreement value, including local-body or metro cess in cities like Mumbai and Pune. It's paid to the state government.
Registration is about 1% of the value, commonly capped near ₹30,000.
The women-buyer concession
Maharashtra offers a 1% stamp-duty concession for a sole or joint woman buyer, subject to conditions. On a large purchase, that's a meaningful saving worth confirming.
Remember these are cash costs — banks fund the flat's value, not stamp duty or registration — so budget them separately from your down payment.
What to watch for
- Assuming the home loan covers stamp duty and registration — it doesn't.
- Forgetting metro cess, which adds to the headline rate in some cities.
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Open Cost & AffordabilityThis guide is general information to help you ask better questions — it is not legal advice, and it doesn't replace your own advocate or the official MahaRERA portal. Rules, rates and builder practices vary; always verify against the current MahaRERA record and your project's documents before acting.