Which law applies. Section numbers on this page are those of the Income-tax Act, 2025, which took effect on 1 April 2026 and governs tax year 2026-27 onwards. Where this page uses the familiar shorthand 80C, the corresponding provision of that Act is section 123. The Income-tax Act, 1961 was repealed with effect from 1 April 2026. Its section 80C is named here only because that Act governs tax years before 2026-27.
How much stamp duty and registration charges apply on a ₹75 lakh property in Maharashtra?
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Calculate the exact stamp duty (6%) and registration charges on a ₹75 lakh property purchase in Maharashtra — a key cost often overlooked by first-time homebuyers.
Why Maharashtra Stamp Duty Is a Major Cost
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 123 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.
Stamp Duty Calculator
Registration charge: 1% of property value (capped at ₹30,000 in Maharashtra)