Stamp Duty and Registration Charges in Maharashtra and Gujarat: A Buyer’s Guide
Published October 16, 2026 · By PPC Integrated Consultancy
Quick answer: Understand stamp duty, registration fees and other hidden costs when buying property in Mumbai, Thane, Surat and across Maharashtra and Gujarat.
Key Takeaways
- Stamp duty and registration are a major part of buying cost and vary by state, city and buyer category.
- Women buyers may get concessions in some states, so check current notifications.
- Always pay duty on the higher of agreement value or the government ready reckoner value.
- Keep budget for GST on under-construction property, legal fees and society charges.
What you pay when you register
When you buy property you pay stamp duty and a registration fee, which together can add several percent to your cost. In Maharashtra, local body taxes and metro cess may apply in cities like Mumbai. In Gujarat, jantri value is the reference for duty in many cases.
Ready reckoner and jantri value
Governments publish a minimum value per square foot for each area. Duty is generally charged on the higher of the agreement value and the government value, so a low declared price does not reduce duty below the official benchmark.
Other costs to plan
- GST on under-construction homes (not on completed ones with occupancy certificate).
- Legal and title search charges.
- Society transfer, maintenance deposit and brokerage.
- Home loan processing fee and insurance.
Before you sign
Rates and concessions change by notification, so check the latest official rates or ask a professional. Pair this with our legal verification checklist.
Frequently Asked Questions
Who pays stamp duty, buyer or seller?
The buyer usually pays stamp duty and registration charges.
Is stamp duty refundable?
Only in limited cases such as cancellation within a stated period, subject to state rules.
Is GST charged on resale flats?
Generally no GST on resale of completed property.
Can PPCI help with property registration?
Yes, our team guides you through documentation and legal checks.
Need help? Talk to our advisors for a free first consultation. This article is general information, not professional advice; rules change, so verify with official sources.
Have a question about Housing & Property? Talk to our advisors directly.
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