Updated June 2026

Stamp Duty in Mumbai

Buying a home in Mumbai means budgeting for stamp duty of 6% for men and 5% for women, plus 1% registration. The headline rate already folds in the 1% metro cess that applies across the Mumbai Metropolitan Region, so what you see is what you pay at the sub-registrar.

Male Rate

Female Rate

Registration

Total (Male)

Property Value

₹

State

Buyer

Override with Custom Rates

Stamp Duty

Registration

Total Charges

₹3.30 L

Effective rate: 6.6% of property value

Stamp Duty (6%)

₹3.00 L

Registration (1%): capped

₹30,000

Total Cost of Property

₹53.30 L

Your nominal property price of ₹50.00 L increases to a total acquisition cost of ₹53.30 L after adding stamp duty and registration fees. That's +₹3.30 L (6.6% extra) over the agreement price.

Pre-Calculated Examples

Property Value	Stamp Duty	Registration	Total	Women Save
₹50.00 L	₹3.00 L	₹30,000	₹3.30 L	₹50,000
₹75.00 L	₹4.50 L	₹30,000	₹4.80 L	₹75,000
₹1.00 Cr	₹6.00 L	₹30,000	₹6.30 L	₹1.00 L
₹2.00 Cr	₹12.00 L	₹30,000	₹12.30 L	₹2.00 L

* "Women Save" shows difference between male and female buyer total charges

Stamp Duty Rates in Mumbai (2026)

Mumbai stamp duty has two parts: a 5% base stamp duty plus a 1% metro cess levied to fund the metro rail network. Male buyers therefore pay 6% (5% + 1% cess) and female buyers pay 5% (4% concessional base + 1% cess). Registration is 1% of the higher of agreement value or ready reckoner rate, but it is capped at ₹30,000 for any property valued above ₹30 lakh, so on a ₹2 crore flat you still pay only ₹30,000 registration. On a ₹1 crore home a male buyer pays ₹6,00,000 stamp duty + ₹30,000 registration = ₹6,30,000; a female buyer pays ₹5,00,000 + ₹30,000 = ₹5,30,000.

Women Buyers Save in Mumbai

Women buyers in Mumbai pay 5% versus 6% for men: a clean 1% saving worth ₹1,00,000 on a ₹1 crore property. The concession applies when the property is registered solely in a woman's name; for joint male+female ownership the 6% male rate applies.

Tips for Property Buyers in Mumbai

Stamp duty in Mumbai is charged on the ready reckoner (circle) rate or the actual agreement value, whichever is higher, so check the current Annual Statement of Rates for your locality: values in South Mumbai, Bandra and Powai are often well above the negotiated price. Pay within four months of executing the agreement to avoid a 2% per month penalty, and use the IGR Maharashtra (GRAS) portal to pay online and book your registration slot.

How to Calculate Stamp Duty in Mumbai

Enter the property value (agreement value or circle/ready reckoner rate, whichever is higher)
The calculator is pre-set to Mumbai
Choose the buyer type: Male, Female, or Joint ownership
See the stamp duty, registration charges, and total acquisition cost

Frequently Asked Questions

What is the stamp duty in Mumbai in 2026?

Stamp duty in Mumbai is 6% for male buyers and 5% for female buyers, both inclusive of the 1% metro cess. Registration is an additional 1%, capped at ₹30,000 for properties above ₹30 lakh.

What is the 1% metro cess in Mumbai?

The metro cess is a 1% surcharge on stamp duty levied across the Mumbai Metropolitan Region to fund metro rail projects. It is already included in the headline 6% (men) and 5% (women) rates.

How much do women save on stamp duty in Mumbai?

Women pay 5% instead of 6%: a 1% saving. On a ₹1 crore property that is ₹1,00,000 less. The concession requires the property to be registered solely in a woman's name.

Is registration charge capped in Mumbai?

Yes. Registration is 1% of property value but capped at ₹30,000 for any property valued above ₹30 lakh. Below ₹30 lakh you pay the full 1%.