by Ashok Kavadi
Buying a property in Mumbai? One of the most important costs you’ll incur—beyond the price of the property—is stamp duty and registration charges. These government-imposed fees are mandatory and form a legal part of any property transaction. Here’s everything you need to know about the latest Stamp Duty & Registration Charges in Mumbai and rules in 2025.
What Are Stamp Duty & Registration Charges?
Stamp duty is a tax you pay to the Maharashtra government when you purchase a property. It legally validates the sale agreement between the buyer and the seller.
Registration charges, on the other hand, are the fees for officially recording the property transaction with the government. This is done at the Sub-Registrar Office (SRO) and protects your legal ownership.
Latest Stamp Duty & Registration Charges in Mumbai – 2025
As of June 2025, the current rates in Mumbai city are:
| Buyer Type | Stamp Duty | Metro Cess | Registration Charges |
|---|---|---|---|
| Male Buyer | 5% | 1% | 1% (Max ₹30,000) |
| Female Buyer | 4% | 1% | 1% (Max ₹30,000) |
| Joint Male & Female | Weighted Avg. | 1% | 1% |
High-demand projects to invest now
72083 29203
Area-Wise Charges Across MMR (Mumbai Metropolitan Region)
Mumbai City & Suburbs: 6% total (including metro cess)
Thane, Navi Mumbai, Panvel: 6% for men, 5% for women
Vasai-Virar, Palghar, Boisar: 5% for men, 4% for women
Rural/Gram Panchayat Areas: 4% or lower, based on local rules
Women Buyer Benefits in Maharashtra
The Maharashtra government offers a 1% stamp duty concession for women buyers purchasing property in their own name. This is aimed at promoting women’s ownership of real estate.
📝 Tip: To avail the benefit, the sale deed must mention the woman as the sole or joint first owner.
How to Pay Stamp Duty & Registration Charges
Calculate total charges based on sale value or ready reckoner rate (whichever is higher)
Pay online via https://gras.mahakosh.gov.in
Print the challan and visit your nearest Sub-Registrar Office for document registration
You can also use licensed franking agents, stamp vendors, or e-SBTR facilities for offline payments.
Special Stamp Duty Concessions
Gift Deed to Family: ₹200 fixed stamp duty (parents, children, spouse)
Property via Will or Inheritance: No stamp duty
Redevelopment Agreement: ₹100 fixed stamp duty
Senior Citizen Redevelopment Projects: ₹1,000 flat stamp duty
Best Investment Projects in 2025
Penalties for Late or Insufficient Payment
If you delay or underpay stamp duty:
Penalty is 2% per month, up to a max of 200%
Registration is invalid without proper duty clearance
Always check the ready reckoner rate before registering your property to avoid underpayment.
Can You Claim Stamp Duty for Tax Deduction?
Yes! Under Section 80C of the Income Tax Act, you can claim a deduction of up to ₹1.5 lakh on stamp duty and registration charges only in the year of payment.
✅ Only individual taxpayers are eligible; HUFs and companies are excluded.
Required Documents for Registration
PAN Card & Aadhaar Card of both parties
Registered Agreement
Latest property tax receipt
Passport-size photographs
Payment receipts from GRAS portal
Final Thoughts
Stamp duty and registration charges are essential costs that should be carefully calculated before finalizing any property purchase in Mumbai. Staying updated with the latest rates can help you avoid legal issues, penalties, and even save money through available concessions.
Key Takeaways
✅ Stamp Duty in Mumbai: 6% for men, 5% for women
✅ Max Registration Fee: ₹30,000
✅ Women & family transfers enjoy major rebates
✅ Always pay based on Ready Reckoner Rate or agreement value—whichever is higher
✅ Pay online via GRAS or offline via franking
