Thane is in the RBI House Price Index, one of its cities, although its figure can be read only in the RBI DBIE database.
The rest of this page is about tax. Property in Thane is charged 5 per cent. Maharashtra reserves 4 per cent for property under a Gram Panchayat, which is not the situation here. Both rates have applied from 7 September 2017 onward.
Duty is read from the ready reckoner, the Annual Statement of Rates. The Registration and Stamps Department, Maharashtra, receives the deed.
Remember the missing piece. The Maharashtra registration fee has no readable official schedule, so the sums of ₹2,50,000 and ₹5,00,000 stop short of the full cost.
Then the finance details: the RBI limit on a home loan is 80%. As of 28 September 2026, Maharashtra's PMAY-Urban programme shows 79% of its sanctioned houses completed.
Anyone buying a new unit can look the project up at the Maharashtra Real Estate Regulatory Authority. Compare Mumbai, Mira-Bhayandar, Navi Mumbai, Pune and Vasai-Virar, which share the same duty rates.
In short
On a ₹50 lakh home in Thane (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 Thane
Thane against the rest of India
The NHB press release gives no RESIDEX figure for Thane. The city is one of the 18 in the RBI House Price Index, whose combined change over a year is +3.6%; its own number sits in the RBI database, not in the release. The nine cities with a RESIDEX figure range from -1.7% to +24.4%.
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.
Thane lies at 19.2°N, 73.0°E. Mumbai, 15 km to the south-west, is practically next door, then Mira-Bhayandar (15 km, north-west) and Navi Mumbai (20 km, south), as the crow flies. Nine cities in all lie within 150 km (Mumbai, Mira-Bhayandar, Navi Mumbai, Kalyan-Dombivli, Panvel, 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 Thane's own.
Maharashtra has ten other cities on Payotte: Kalyan-Dombivli, Mira-Bhayandar, Mumbai, Nagpur, Nashik, Navi Mumbai, Panvel, Pimpri-Chinchwad, Pune 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) |
|---|---|---|---|
| Mumbai | 15 km | south-west | +6.2% |
| Mira-Bhayandar | 15 km | north-west | no figure |
| Navi Mumbai | 20 km | south | no figure |
| Kalyan-Dombivli | 20 km | east | -1.7% |
| Panvel | 30 km | south-east | no figure |
| Vasai-Virar | 35 km | north-west | no figure |
| Pimpri-Chinchwad | 110 km | south-east | no figure |
| Pune | 120 km | south-east | +3.7% |
| Nashik | 125 km | north-east | no figure |
| Surat | 225 km | north | no figure |
| Vadodara | 345 km | north | no figure |
| Rajkot | 410 km | north-west | no figure |
Where to check in Maharashtra
The official sites to use before buying in Thane, Maharashtra: the register of projects and agents and the portal that registers the sale deed. 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).
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 Thane?
On a ₹50 lakh home in Thane (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 Thane?
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 Thane?
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 Thane?
Thane is one of the 18 cities of the RBI House Price Index, which rose +3.6% over a year in Q1:2026-27 (April-June 2026) for all 18 cities together; the city figure is published only in the RBI's DBIE database.
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.