How much stamp duty and registration charges apply on a ₹75 lakh property in Maharashtra?

Stamp duty on a ₹75 lakh property in Maharashtra works out to ₹4.5 lakh at the standard 6% rate, plus ₹30,000 registration (capped) — a total registration cost of ₹4.8 lakh. This is roughly 6.4% of the property value and is almost always paid in cash by the buyer — it’s not financed by the home loan.

Three concessions can reduce this. Women buyers pay 5% stamp duty in Maharashtra (1% concession) — saving ₹75,000 on a ₹75 lakh property; registration in joint names with the wife as primary applicant qualifies. Maharashtra’s metro cess (1% extra in Mumbai, Pune, Nagpur, Pimpri-Chinchwad, Thane) is applied on top of the base 5% — that’s where the 6% rate comes from for metro areas.

Stamp duty + registration is allowable as a Section 80C deduction in the financial year of payment, up to the overall ₹1.5 lakh 80C limit, but only in the old tax regime. For new-regime taxpayers, no deduction applies. Online payment is available through GRAS Maharashtra — avoid the older paper-stamp paper route where queue times and intermediary commissions add a hidden cost.