MahaRERA, the Maharashtra Real Estate Regulatory Authority, is the register to open before any money moves on a Navi Mumbai flat. The duty follows.
Navi Mumbai Municipal Corporation limits mean 5 per cent. Gram Panchayat land pays 4 per cent, which does not describe this city. The Annual Statement of Rates is the valuation list used, and the rates date from 7 September 2017.
Registration goes through the Registration and Stamps Department, Maharashtra. It carries a registration fee as well, yet that fee is missing from the page because its schedule was unreadable at source. The result: ₹2,50,000 and ₹5,00,000 are minimums, and the final bill will be higher.
The state publishes subsidy numbers for PMAY-Urban, not figures for this city. Maharashtra has 14,04,013 sanctioned, 11,02,917 completed and 10,37,651 occupied houses as of 28 September 2026.
Lending conditions come last. A bank may finance at most 80%, and August 2026 saw new housing loans averaging 7.61%.
Thane, Panvel, Mumbai, Pune and Kalyan-Dombivli have separate pages, with the same state rates.
In short
On a ₹50 lakh home in Navi Mumbai (Maharashtra), stamp duty comes to at least ₹2,50,000, charged on the higher of the price and the Annual Statement of Rates (ready reckoner). Across the RBI's 18 cities, house prices rose +3.6% over a year (Q1:2026-27 (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 Navi Mumbai
Navi Mumbai against the rest of India
Neither the NHB press release nor the list of the RBI's 18 cities carries Navi Mumbai, so Payotte has no price movement to report for it, and gives none rather than borrowing another city's.
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.
Navi Mumbai lies at 19.0°N, 73.0°E. Panvel, 10 km to the south-east, is practically next door, then Mumbai (15 km, west) and Thane (20 km, north), as the crow flies. Nine cities in all lie within 150 km (Panvel, Mumbai, Thane, Kalyan-Dombivli, Mira-Bhayandar, Vasai-Virar, Pimpri-Chinchwad, Pune and Nashik). The farthest is Guwahati, 2,075 km away. The closest city with a RESIDEX figure is Mumbai, 15 km away, at +6.2%: a neighbour's number, not Navi Mumbai's own.
Maharashtra has ten other cities on Payotte: Kalyan-Dombivli, Mira-Bhayandar, Mumbai, Nagpur, Nashik, Panvel, Pimpri-Chinchwad, Pune, Thane and Vasai-Virar. Mumbai (+6.2%), Pune (+3.7%) and Kalyan-Dombivli (-1.7%) are the ones with a RESIDEX figure.
| City | Distance | Direction | Prices over a year (RESIDEX) |
|---|---|---|---|
| Panvel | 10 km | south-east | no figure |
| Mumbai | 15 km | west | +6.2% |
| Thane | 20 km | north | no figure |
| Kalyan-Dombivli | 25 km | north-east | -1.7% |
| Mira-Bhayandar | 35 km | north-west | no figure |
| Vasai-Virar | 50 km | north-west | no figure |
| Pimpri-Chinchwad | 95 km | south-east | no figure |
| Pune | 105 km | south-east | +3.7% |
| Nashik | 135 km | north-east | no figure |
| Surat | 240 km | north | no figure |
| Vadodara | 365 km | north | no figure |
| Rajkot | 430 km | north-west | no figure |
Where to check in Maharashtra
The official sites to use before buying in Navi 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 Navi Mumbai: Navi Mumbai Municipal Corporation, Maharashtra (did not open from outside India).
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; 3 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 Navi Mumbai?
On a ₹50 lakh home in Navi Mumbai (Maharashtra), the charges are stamp duty (5%) ₹2,50,000: at least ₹2,50,000 in all, and at least ₹5,00,000 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 Navi 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 Navi 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
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 |
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) (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.