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टाटा कॅपिटल > ब्लॉग > महाराष्ट्रातील स्टँप ड्युटी आणि नोंदणी शुल्काविषयी जाणून घ्या 2022

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महाराष्ट्र 2022 मधील स्टँप ड्युटी आणि रजिस्ट्रेशन शुल्काविषयी जाणून घ्या

Know About The Stamp Duty And Registration Charges In Maharashtra 2022

मार्च 2022 मध्ये, महाराष्ट्र सरकारने राज्य विधानसभेत एक बिल पास केले, ज्याअंतर्गत पुनर्विक्रीच्या प्रॉपर्टीवर स्टँप ड्युटी माफी आहे. हा नियम खरेदीच्या एका वर्षाच्या ते तीन वर्षांच्या आत विक्री केलेल्या प्रॉपर्टीवर लागू होतो. सुधारित नियमानुसार, महाराष्ट्रातील स्टँप ड्युटी आता प्रॉपर्टीच्या खरेदी आणि विक्री किंमतीमधील फरकावरच दिली जाईल.

स्टँप ड्युटी म्हणजे काय आणि ते का महत्त्वाचे आहे? सोप्या भाषेत सांगायचे तर, हे तुमच्या प्रॉपर्टीच्या मार्केट वॅल्यूची टक्केवारी आहे आणि केंद्र सरकार प्रत्येक राज्यासाठी क्रमांक ठरवते. त्यामुळे, महाराष्ट्रातील स्टँप ड्युटी दर तुम्हाला घर कुठे खरेदी करायचे आहे यावर अवलंबून असतील. फ्रीहोल्ड आणि लीजहोल्ड प्रॉपर्टीसह निवासी आणि कमर्शियल रिअल इस्टेट दोन्हीसाठी स्टँप ड्युटी किंवा प्रॉपर्टी नोंदणी शुल्क लागू होते.

महाराष्ट्रातील स्टँप ड्युटीविषयी तुम्हाला माहित असावे असे सर्वकाही येथे दिले आहे.

महाराष्ट्र मधील स्टँप ड्युटी आणि नोंदणी शुल्क, 2021

Know that the stamp duty and registration charges for any state are different, and for different cities within that state. Further, the state of Maharashtra levies fewer stamp duty charges for women homeowners.

Needless to say, more developed and affordable municipalities attract higher stamp and duty charges. So, if you’re considering buying a property, be sure to factor in this cost when applying for a home loan

Here is a breakdown of stamp duty and registration charges in some of the major cities within Maharashtra.

Stamp duty and registration charges in Maharashtra 2022

Here is a table summarising stamp duty and registration charges in Maharashtra in 2022 in different cities like Mumbai, Thane, Pune, Nagpur, Navi Mumbai, and Pimpri Chinchwad.

शहरStamp duty and registration charges (from 1st January to 31st January 2021)Stamp duty and registration charges (1st April 2021 onwards)Stamp duty and registration charges (1st April 2022 onwards)
मुंबई3%5%6%
ठाणे4%6%7%
नवी मुंबई4%6%7%
पुणे4%6%7%
पिंपरी-चिंचवड4%6%7%
नागपूर4%6%7%

Stamp duty and registration charges in Maharashtra also vary according to the gender of the homeowner. Here are the stamp duty charges in different areas in Mumbai for men and women:

Areas in MumbaiStamp duty in Mumbai for menStamp duty in Mumbai for womenनोंदणी शुल्क
Within the municipal limits of any urban area6% of property’s market value5% of property’s market value1 % of the property value
Within the limits of any municipal council/ panchayat/ cantonment of any area within MMRDA4% of property’s market value3% of property’s market value1 % of the property value
Within the limits of any gram panchayat3% of property’s market value2% of property’s market value1 % of the property value

From 2022 onwards, property buyers would have to pay 1% metro cess as transport surcharge in addition to the ongoing stamp duty in Maharashtra.

Conveyance deed stamp duty in Maharashtra

S no.वाहतूक ॲग्रीमेंटस्टॅम्प ड्युटी शुल्क
1.लीज डीड5% of the property’s market value
2.Gift deed3% of the property’s market value
3.Gift deed for residential or agricultural property passed on to individual’s family members₹200
4.अधिकारपत्रMaharashtra stamp duty rates are 3% for a property situated in gram panchayat areas and 5% for those located in municipal areas.

What are the factors that affect stamp duty and registration charges?

Registration charges and stamp duty in Maharashtra don’t remain constant for all citizens. These figures vary slightly based on the following factors:

  1. खरेदीदाराचे लिंग
  2. खरेदीदाराचे वय
  3. Type of the property
  4. प्रॉपर्टीचे वय

Let us now explore each factor that affects stamp duty in Maharashtra, one by one.

#1 Gender of the buyer

Relevant authorities have consistently encouraged women to buy property in their name. Even the state of Maharashtra provides a concession on stamp duty and registration charges for female home buyers. For example, the stamp duty and charges for women buyers in Mumbai in March 2022 were 2%, which was 1% lower than the previous Maharashtra stamp duty rates (listed in the table above.)

#2 Age of the buyer

Concessions in stamp duty and registration charges are also provided to senior citizens buying a house in Maharashtra. Therefore, if you’re a senior citizen, now might be the best time to purchase a house. Not only are you entitled to a reduction in stamp duty and registration charges, but you can take advantage of the reduced home loan interest rates.

#3 Type of the property

A residential property attracts a lower stamp duty and charges than a commercial property. So, if you’re buying a house in Maharashtra, know that you’re paying less than a businessperson, opening their outfit within the state.

#4 Age of the property

Typically, older properties that make up the second home market for many Indians attract lower stamp duty and registration charges. Properties in highly-developed or up-and-coming areas with new construction attract much higher charges.

Key takeaways

If you are an aspiring homeowner or property owner in Maharashtra, keep the following points in mind about stamp duty charges in Maharashtra.

  • Stamp duty is a percentage of the market value of your property (whether commercial or residential).
  • Paying stamp duty is mandatory and not doing so will attract a fine.
  • Remember that the stamp duty rates in Maharashtra will vary depending upon the location where you want to buy a house or a commercial building.
  • Four factors determine your stamp duty charges: Your gender, your age, type of property, and the age of your property.
  • Women property buyers pay smaller stamp duty compared to men.

A Word of Advice

Maharashtra’s stamp duty rates have now been reduced to make purchasing a house more affordable for citizens. Before you purchase a house, make sure you calculate your stamp duty charges in advance using a stamp duty calculator.

Are you thinking of purchasing a new residential property in Maharashtra? Well, then find the funds you need at Tata Capital. As one of India’s most trusted lending institutions, we offer housing finance at affordable interest rates and speedy processing. What’s more, you can plan your repayment by calculating your potential EMIs using our home loan EMI calculator.

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