Maharashtra stamp duty facts come first for Mumbai. Under rates dating from 7 September 2017, duty on a home inside the city is 5 per cent, with a metro surcharge of 1 per cent on top. On ₹50 lakh that means ₹2,50,000 in duty and ₹50,000 for the metro surcharge, so ₹3,00,000 in all. A ₹1 crore purchase carries ₹6,00,000. These totals are minimums, since the taxed value may follow the ready reckoner instead of the price paid. The Maharashtra registration fee is not included, because no official fee table could be read.
The duty authority is the Inspector General of Registration plus the Controller of Stamps, Maharashtra.
On the NHB RESIDEX list, Mumbai takes position 6 of 9 for April-June 2026, with +6.2%. Faridabad +24.4% is highest and Kalyan-Dombivli -1.7% lowest. Bank and housing finance company valuations underlie it.
The Maharashtra Real Estate Regulatory Authority is the RERA body, and the Municipal Corporation of Greater Mumbai (MCGM) is the city corporation. Pune, Thane, Nagpur, Nashik and Navi Mumbai are among the other Maharashtra cities covered. PMAY-Urban lists 14,04,013 houses sanctioned in the state as of 28 September 2026. The city figure is a valuation index reading, not a transaction price. The index is published by the National Housing Bank, and the stamp duty facts come from the Maharashtra Stamp Act.
In short
On a ₹50 lakh home in Mumbai (Maharashtra), stamp duty comes to at least ₹3,00,000, charged on the higher of the price and the Annual Statement of Rates (ready reckoner). Prices in Mumbai changed by +6.2% over a year (NHB RESIDEX, April-June 2026). A bank lends at most 80% of a ₹50 lakh home (RBI); the average rate on new housing loans was 7.61% in August 2026.
Calculate for Mumbai
Mumbai against the rest of India
The NHB publishes a RESIDEX change for only nine of the 44 cities on Payotte. Mumbai is 6th of the nine cities, at +6.2%: almost level with the +7% of the 50-city composite (-0.8 points). The range runs from +24.4% in Faridabad to -1.7% in Kalyan-Dombivli.
Maharashtra charges stamp duty of 5% of the Annual Statement of Rates (ready reckoner) in a Municipal Corporation area (4% in a Gram Panchayat). On a ₹50 lakh home that is ₹2,50,000, joint 4th of the seven whose rates Payotte reads, level with Chandigarh, Odisha and Uttarakhand.
Mumbai lies at 19.1°N, 72.9°E. Navi Mumbai, 15 km to the east, is practically next door, then Thane (15 km, north-east) and Panvel (25 km, east), as the crow flies. Nine cities in all lie within 150 km (Navi Mumbai, Thane, Panvel, Mira-Bhayandar, Kalyan-Dombivli, Vasai-Virar, Pimpri-Chinchwad, Pune and Nashik). The farthest is Guwahati, 2,090 km away. The closest city with a RESIDEX figure after itself is Kalyan-Dombivli (-1.7%), 35 km away.
Maharashtra has ten other cities on Payotte: Kalyan-Dombivli, Mira-Bhayandar, Nagpur, Nashik, Navi Mumbai, Panvel, Pimpri-Chinchwad, Pune, Thane and Vasai-Virar. Pune (+3.7%) and Kalyan-Dombivli (-1.7%) are the ones with a RESIDEX figure, against +6.2% here.
| City | Distance | Direction | Prices over a year (RESIDEX) |
|---|---|---|---|
| Navi Mumbai | 15 km | east | no figure |
| Thane | 15 km | north-east | no figure |
| Panvel | 25 km | east | no figure |
| Mira-Bhayandar | 25 km | north | no figure |
| Kalyan-Dombivli | 35 km | north-east | -1.7% |
| Vasai-Virar | 45 km | north | no figure |
| Pimpri-Chinchwad | 110 km | south-east | no figure |
| Pune | 120 km | south-east | +3.7% |
| Nashik | 140 km | north-east | no figure |
| Surat | 235 km | north | no figure |
| Vadodara | 360 km | north | no figure |
| Rajkot | 420 km | north-west | no figure |
Where to check in Maharashtra
The official sites to use before buying in Mumbai, Maharashtra: the register of projects and agents, the portal that registers the sale deed and the municipal body that levies property tax. Each link goes to a government site.
- Real estate regulator (RERA): Maharashtra Real Estate Regulatory Authority (did not open from outside India).
- Deed registration and stamp duty: Registration and Stamps Department, Maharashtra (did not open from outside India).
- Municipal body of Mumbai: Municipal Corporation of Greater Mumbai (MCGM).
Sites listed by the Integrated Government Online Directory of the National Informatics Centre and the list of State and UT registration websites of the National Generic Document Registration System, read between 18 October 2026 and 2 November 2026; 2 sites did not open from outside India that day, the address is the one the official list gives. Search a registration number, a deed or a land record yourself on these sites: Payotte copies nothing from the registers.
The questions, answered
How much stamp duty on a ₹50 lakh home in Mumbai?
On a ₹50 lakh home in Mumbai (Maharashtra), the charges are stamp duty (5%) ₹2,50,000, metro surcharge, Mumbai (1%) ₹50,000: at least ₹3,00,000 in all, and at least ₹6,00,000 on ₹1 crore, above the Annual Statement of Rates (ready reckoner), at the rates read on 14 October 2026 (registration fee not read at the source, not included).
What EMI on a ₹50 lakh home in Mumbai?
On the largest loan an Indian bank may grant (80% of the price, RBI), ₹40 lakh over 20 years at the 7.61% average rate costs ₹32,493 a month.
How much tax when you sell a home in Mumbai?
The Income-tax Act applies across India: a gain on a home held more than 24 months is taxed at 12.5% without indexation, ₹2,50,000 on a ₹20 lakh gain, before surcharge and cess
Are house prices rising in Mumbai?
The NHB RESIDEX index for Mumbai, based on bank and housing finance company valuations, changed by +6.2% over a year in April-June 2026, against +7% for the 50-city composite (National Housing Bank).
More on the tax when you sell: capital gains tax on property. On the loan: eligibility and EMI.
The figures
| Measure | Value | Source |
|---|---|---|
| Stamp duty (5%) on ₹50 lakh | ₹2,50,000 | Inspector General of Registration and Controller of Stamps, Maharashtra |
| Metro surcharge, Mumbai (1%) on ₹50 lakh | ₹50,000 | Mumbai Municipal Corporation Act, section 144F |
| House prices, change over a year (April-June 2026) | +6.2% | NHB RESIDEX |
The RBI and the NHB publish price indices, not prices in rupees. National figures: RBI House Price Index +3.6% over a year (Q1:2026-27 (April-June 2026)); average rate on new housing loans 7.61% (August 2026).
Elsewhere in Maharashtra
Sources
- Duty: Maharashtra Stamp Act 1958, Schedule I, Article 25 (as modified up to 1 June 2022); Mumbai Municipal Corporation (Second Amendment) Act 2018, section 144F (rates in force since 7 September 2017); the calculator.
- Housing scheme: States/UTs wise Progress under PMAY-U & PMAY-U 2.0 (Ministry of Housing and Urban Affairs) (as of 28 September 2026).
- Prices and loans: NHB RESIDEX (source acknowledged); RBI House Price Index; RBI lending rates; RBI Credit Facilities Directions 2025, paragraph 111.