Stamp Duty and Registration Charges in Mumbai (2026): What You'll Actually Pay

Stamp duty in Mumbai is 6% including metro cess, 5% for women buying alone, plus 1% registration capped at Rs 30,000. Worked examples and the traps to avoid.

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When buyers budget for a Mumbai flat, they usually add the price, the loan and the interiors. Stamp duty arrives last, and on a Rs 1.5 crore flat it is over Rs 9 lakh. Here is how it works, simply.

What is the stamp duty rate in Mumbai?

Within Mumbai's municipal limits, stamp duty is generally:

Buyer	Stamp duty (incl. 1% metro cess)
Man, or man and woman jointly	6%
Woman alone, or women jointly	5%

The 6% is 5% stamp duty plus a 1% metro cess (Bajaj Finserv). Women buyers get a 1% concession, but only when the flat is in a woman's name alone or with other women. Our post on the women's stamp duty concession explains the details.

What are the registration charges in Mumbai?

Registration fee is 1% of the property value, capped at Rs 30,000 for properties above Rs 30 lakh. In practice, almost every Mumbai flat pays Rs 30,000.

Is stamp duty on the agreement value or the ready reckoner rate?

On the higher of the two. If your agreement value is below the government's ready reckoner value, stamp duty is charged on the ready reckoner value. The 2026-27 rates were kept unchanged; see our post on ready reckoner rates.

How much stamp duty will I pay? Worked examples

Flat value	Man or joint (6%)	Woman alone (5%)	Registration
Rs 1 crore	Rs 6,00,000	Rs 5,00,000	Rs 30,000
Rs 1.5 crore	Rs 9,00,000	Rs 7,50,000	Rs 30,000
Rs 2.5 crore	Rs 15,00,000	Rs 12,50,000	Rs 30,000

Budget for stamp duty on day one, not on registration day. It's the one cost nobody can negotiate down.

Common stamp duty mistakes in Mumbai

Forgetting the metro cess. The rate in Mumbai is 6%, not 5%.
Adding a man as co-owner to a woman's purchase and expecting the 5% rate. Joint male and female ownership pays 6%.
Ignoring the ready reckoner value when the deal price is low.
Leaving TDS to the end. On a resale of Rs 50 lakh or more, the buyer must deduct TDS. See TDS when buying a resale flat.

Is the rate the same in Thane and Navi Mumbai?

Rates differ by area and local body, so check the IGR Maharashtra stamp duty calculator for Thane, Navi Mumbai or any other location before you budget.

What this means for you

Buyers: add stamp duty, registration, TDS and legal fees to your budget with our buyer's tool hub.
NRI buyers: the same rates apply. Plan the funds through your NRE or NRO account; our NRI buying desk can help.
Sellers: buyers who budget for stamp duty early are the ones who close on time. Our seller's guide covers the sequence.

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Frequently asked questions

What is the stamp duty in Mumbai in 2026?

Generally 6% including the 1% metro cess, or 5% when a woman buys alone or with other women, plus registration fee.

What is the registration fee for a flat in Mumbai?

1% of the property value, capped at Rs 30,000 for properties above Rs 30 lakh.

Do NRIs pay the same stamp duty in Mumbai?

Yes. Stamp duty depends on the property and the buyer's gender, not on residential status.

Is stamp duty charged on the ready reckoner rate?

Stamp duty is charged on the higher of the agreement value and the ready reckoner value.

Related reading

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General information. Confirm the exact amount on the IGR Maharashtra calculator before registration.

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