{"id":1090476,"date":"2026-08-17T15:37:07","date_gmt":"2026-08-17T10:07:07","guid":{"rendered":"https:\/\/www.squareyards.com\/blog\/?p=1090476"},"modified":"2026-08-20T16:17:03","modified_gmt":"2026-08-20T10:47:03","slug":"stamp-duty-and-registration-charges-in-navi-mumbai","status":"publish","type":"post","link":"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-navi-mumbai","title":{"rendered":"Stamp Duty and Registration Charges in Navi Mumbai 2026: Complete Guide with Updated Rates"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Navi Mumbai, the planned city across the harbour from Mumbai, has become one of the most sought-after markets in the region, from Vashi and Nerul to the fast-growing nodes of Kharghar, Panvel and Ulwe. Whatever you buy there, two government charges sit on top of the price you negotiate: stamp duty and a registration fee. Together they add about 7 to 8 percent to your cost.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Because Navi Mumbai is part of Maharashtra, the rates follow the state structure, with a metro cess, a local body tax and a 1 percent concession for women. This guide lays out the current 2026 rates, settles the common confusion over whether Navi Mumbai is 7 or 6 percent, shows how to calculate your charges, covers resale flats, and walks you through the GRAS payment process.<br \/><br \/><\/span>{{auto_toc}}<\/p>\r\n<h2><b>What Is Stamp Duty in Navi Mumbai?<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Stamp duty in Navi Mumbai is a tax the Maharashtra government levies on the legal instrument (the document) that transfers a right in property, most commonly the sale deed. It is collected under the Maharashtra Stamp Act, 1958, and paying it makes your deed legally valid and admissible in court.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Registration is a separate charge under the Registration Act, 1908. The deed is recorded at the local sub-registrar office and entered into the government&#8217;s records. Paying stamp duty legalises the document; the registration fee is the charge for recording it. Because Navi Mumbai falls under municipal corporations within the Mumbai Metropolitan Region, it also carries a metro cess and, in most areas, a local body tax.<\/span><\/p>\r\n<p><b>In short: <\/b><span style=\"font-weight: 400;\">stamp duty is the tax on the document, and the registration fee is the charge for recording it. In Navi Mumbai you pay both, along with a metro cess and local body tax, calculated on the higher of your value or the Ready Reckoner Rate.<\/span><\/p>\r\n<h2><b>Stamp Duty and Registration Charges in Navi Mumbai 2026: Current Rates<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Here is the current 2026 structure for a standard residential sale deed in Navi Mumbai, with the components that make up the stamp duty.<\/span><\/p>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Buyer Category<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Base Duty<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Metro Cess<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Local Body Tax<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Total Stamp Duty<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Male<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">5%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7%<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Female (sole)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">4%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">6%<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Joint (male and female)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">5%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7%<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Joint (two women)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">4%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">1%<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">6%<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p><b>The stamp duty rate in Navi Mumbai is 7 percent for men and 6 percent for women, <\/b><span style=\"font-weight: 400;\">made up of a 5 percent or 4 percent base rate, a 1 percent metro cess and a 1 percent local body tax. The registration fee is 1 percent, capped at Rs 30,000. So the total statutory cost is about 8 percent for a man and 7 percent for a woman, calculated on the higher of your agreement value or the Ready Reckoner Rate.<\/span><\/p>\r\n<h2><b>Is Navi Mumbai 7 Percent or 6 Percent? Settling the Confusion<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">If you have compared a few websites, you will have seen both 7 percent and 6 percent quoted for Navi Mumbai. It is worth being clear about why, because it changes your bill by a full 1 percent.<\/span><\/p>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\">Most sources, and the common position, put Navi Mumbai at 7 percent for men, the same as Thane, Pune and Nagpur, because the NMMC area levies a 1 percent local body tax on top of the base rate and metro cess<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Some 2026 sources argue the local body tax does not apply to NMMC stamp duty, which would make the rate 6 percent for men, the same as Mumbai city<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">The treatment can also differ between the NMMC area and the CIDCO or Panvel and Raigad-side nodes such as Taloja, Panvel and Ulwe<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">A 1 percent difference on a Rs 60 lakh flat is Rs 60,000, so this is not a detail to guess at<\/span><\/li>\r\n<\/ul>\r\n<p><b>The safe approach: <\/b><span style=\"font-weight: 400;\">budget for the 7 percent rate, which is the position most sources and calculators use for Navi Mumbai, but confirm the exact applicable rate for your specific node and sub-registrar on the IGR Maharashtra portal before you pay. If the local body tax does not apply to your locality, you pay 1 percent less.<\/span><\/p>\r\n<h2><b>Women&#8217;s Stamp Duty Concession in Navi Mumbai<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Maharashtra offers women a 1 percent concession on stamp duty, which applies in Navi Mumbai and is substantial on a high-value flat.<\/span><\/p>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\">A woman buying residential property in her sole name pays 6 percent stamp duty against 7 percent for a man<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">The concession also applies when all co-owners are women<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">On a Rs 2 crore flat in Kharghar, that is a saving of about Rs 2,00,000<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Joint ownership with a male co-owner is charged at the male rate, so the property must be in a woman&#8217;s name alone<\/span><\/li>\r\n<\/ul>\r\n<p><b>An important update: <\/b><span style=\"font-weight: 400;\">older guides say a woman must not resell within 15 years or she repays the 1 percent, but that resale lock-in was removed in 2026. The concession is now available without the 15-year restriction, as long as all co-buyers are female. If you have read otherwise, that information is out of date.<\/span><\/p>\r\n<h2><b>How to Calculate Stamp Duty in Navi Mumbai<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">A stamp duty calculator for Navi Mumbai works on one rule: apply the rate to the higher of your agreement value or the Ready Reckoner Rate. The Ready Reckoner Rate, or RR Rate, is the government&#8217;s minimum value per square metre for a locality, revised each year, usually on 1 April. For 2026, Maharashtra applied a hike of more than 5 percent.<\/span><\/p>\r\n<h3><b>Worked Example: Male Buyer, Rs 50 Lakh Flat in Vashi<\/b><\/h3>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Item<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Calculation<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Amount<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Value considered (higher of the two)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Assume Rs 50,00,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 50,00,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Stamp duty at 7% (incl. cess and LBT)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7% of Rs 50,00,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 3,50,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Registration fee (1%, capped)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Capped at Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Total statutory cost<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 3,80,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h3><b>Worked Example: Female Buyer, Same Flat<\/b><\/h3>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Item<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Calculation<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Amount<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Stamp duty at 6% (incl. cess and LBT)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">6% of Rs 50,00,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 3,00,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Registration fee (1%, capped)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Capped at Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Total statutory cost<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 3,30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Saving vs male buyer<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 50,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h3><b>Worked Example: Male Buyer, Rs 1 Crore Flat in Kharghar<\/b><\/h3>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Item<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Calculation<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Amount<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Stamp duty at 7% (incl. cess and LBT)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7% of Rs 1,00,00,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 7,00,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Registration fee (1%, capped)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Capped at Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Total<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 7,30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p><b>The Ready Reckoner trap: <\/b><span style=\"font-weight: 400;\">if you negotiate a price below the RR Rate, the government still charges duty on the higher RR Rate, and a wide gap can trigger extra income tax for both parties under Sections 43CA and 56(2)(x). Always check the RR Rate for your sector before finalising the deal.<\/span><\/p>\r\n<p><strong>Stamp Duty Charges in Other States<\/strong><\/p>\r\n<p><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:tadv\/classic-paragraph --><\/p>\r\n<figure class=\"wp-block-table\">\r\n<table style=\"width: 72.5531%; height: 281px;\">\r\n<tbody>\r\n<tr>\r\n<td><strong>State<\/strong><\/td>\r\n<td><strong>Stamp Duty Charges<\/strong><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Maharashtra<\/td>\r\n<td><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-maharashtra\" target=\"_blank\" rel=\"noopener follow\" data-wpel-link=\"internal\">Stamp Duty in Maharashtra<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Gujarat<\/td>\r\n<td><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-gujrat\" target=\"_blank\" rel=\"noopener follow\" data-wpel-link=\"internal\">Stamp Duty in Gujarat<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Uttar Pradesh<\/td>\r\n<td><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-uttar-pradesh\" target=\"_blank\" rel=\"noopener follow\" data-wpel-link=\"internal\">Stamp Duty in Uttar Pradesh<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Madhya Pradesh<\/td>\r\n<td><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-madhya-pradesh\" target=\"_blank\" rel=\"noopener follow\" data-wpel-link=\"internal\">Stamp Duty in Madhya Pradesh<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Delhi<\/td>\r\n<td><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-delhi\" target=\"_blank\" rel=\"noopener follow\" data-wpel-link=\"internal\">Stamp Duty in Delhi<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Haryana<\/td>\r\n<td><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-haryana\" target=\"_blank\" rel=\"noopener follow\" data-wpel-link=\"internal\">Stamp Duty in Haryana<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Rajasthan<\/td>\r\n<td><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-rajasthan\" target=\"_blank\" rel=\"noopener follow\" data-wpel-link=\"internal\">Stamp Duty in Rajasthan<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Mumbai<\/td>\r\n<td><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-mumbai-2\" target=\"_blank\" rel=\"noopener follow\" data-wpel-link=\"internal\">Stamp Duty in Mumbai<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Gurgaon<\/td>\r\n<td><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-gurgaon\" target=\"_blank\" rel=\"noopener follow\" data-wpel-link=\"internal\">Stamp Duty in Gurgaon<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Pune<\/td>\r\n<td><a href=\"https:\/\/www.squareyards.com\/blog\/stamp-duty-and-registration-charges-in-pune\" target=\"_blank\" rel=\"noopener follow\" data-wpel-link=\"internal\">Stamp Duty in Pune<\/a><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n<h2><b>Stamp Duty on a Resale Flat in Navi Mumbai<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Navi Mumbai has a large resale market, so it is worth knowing how a resale flat is treated. The stamp duty rate is the same as for a new flat, but a few things differ.<\/span><\/p>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\">Stamp duty on a resale flat is charged at the same 7 percent for men or 6 percent for women, on the higher of the agreement value or the RR Rate<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Full stamp duty applies again on every resale; you do not get any credit for the duty the previous owner paid<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">There is no GST on a resale or ready flat, which is a real saving compared with an under-construction purchase from a builder<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">The RR Rate matters more in resale, because a bargain purchase below the RR Rate is still taxed on the higher RR figure<\/span><\/li>\r\n<\/ul>\r\n<p><b>Budget for the transfer charges too: <\/b><span style=\"font-weight: 400;\">a resale in Navi Mumbai usually attracts an NMMC transfer fee of around 0.20 percent and society transfer charges, which are separate from stamp duty and registration. Notification of the transfer must reach NMMC within three months, or a year in the case of inheritance, so complete the society and municipal transfer promptly after registration.<\/span><\/p>\r\n<h2><b>Registration Charges in Navi Mumbai<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Registration charges in Navi Mumbai are 1 percent of the property value, with a cap that helps buyers of higher-value flats.<\/span><\/p>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\">The registration fee is 1 percent of the higher of the RR Rate or your agreement value<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">It is capped at Rs 30,000, so any property above Rs 30 lakh pays the flat Rs 30,000<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">A property below Rs 30 lakh pays the full 1 percent<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span><span style=\"font-weight: 400;\">The fee is the same for male, female and joint buyers, and separate from stamp duty, cess and LBT<\/span><\/li>\r\n<\/ul>\r\n<p><span style=\"font-weight: 400;\">So on an Rs 80 lakh flat in Nerul, the registration fee is Rs 30,000, not Rs 80,000, because of the cap. On a Rs 2 crore flat, it is still Rs 30,000, which is why the cap especially benefits buyers of premium property.<\/span><\/p>\r\n<h2><b>Gift Deed and Other Instruments in Navi Mumbai<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">The sale deed carries the headline rate, but you may come across other documents that attract their own stamp duty.<\/span><\/p>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Instrument<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Stamp Duty<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Gift to a close family member<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Flat Rs 200 (plus nominal registration)<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Gift to a non-family member<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">3% of the market value<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">General power of attorney<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Around Rs 500<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Power of attorney with authority to sell<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Treated like a sale (up to 5%)<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Mortgage \/ deposit of title deeds (loan)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">About 0.3% of the loan amount, with a cap<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p><b>A tax point worth noting: <\/b><span style=\"font-weight: 400;\">a family gift of residential or agricultural property to a spouse, child, parent or sibling attracts only a flat Rs 200 stamp duty, and a gift received from a specified relative is exempt from income tax under Section 56(2)(x). State the relationship clearly in the deed.<\/span><\/p>\r\n<h2><b>Documents Required for Property Registration in Navi Mumbai<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Carry every document in original plus a self-attested photocopy. Buyer, seller and two witnesses must be present at the sub-registrar office for verification. A missing document usually means registration cannot be completed that day.<\/span><\/p>\r\n<h3><b>Identity and Personal Documents<\/b><\/h3>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Document<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Details<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Aadhaar card<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">For identity verification of all parties.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">PAN card<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Mandatory for both buyer and seller for property transactions.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Passport-size photographs<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Recent colour photos of buyer, seller and witnesses.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Address \/ ID proof<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Voter ID, driving licence or passport for all parties and witnesses.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h3><b>Core Property Documents<\/b><\/h3>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Document<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Provided By<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Notes<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Agreement for sale \/ deed<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Buyer &amp; seller<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Drafted for the correct value and e-stamped.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Ready Reckoner Rate reference<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Buyer verifies<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">From IGR Maharashtra, the base for duty.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">7\/12 extract or property card<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Seller<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Record of rights identifying the property and holder.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">GRAS challan<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Buyer<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Proof of stamp duty and cess payment.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">RERA NOC \/ OC \/ CC<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Seller \/ builder<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Occupancy and completion status for the project.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">TDS certificate (Form 16B)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Buyer<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Required where the property value exceeds Rs 50 lakh.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Prior chain deeds<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Seller<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Establish clear title, especially for a resale flat.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p><b>Check the Ready Reckoner Rate first<\/b><\/p>\r\n<p><span style=\"font-weight: 400;\">Before fixing a price, look up the RR Rate for your sector on the IGR Maharashtra portal, and confirm whether the 7 percent or 6 percent rate applies to your node. Because duty is charged on the higher of your value or the RR Rate, these two checks give you an accurate cost before you commit.<\/span><\/p>\r\n<h2><b>How to Pay Stamp Duty and Register Property in Navi Mumbai<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Navi Mumbai uses the GRAS portal for online payment and the IGR Maharashtra system for registration. One quirk trips up many buyers: the district you select depends on the node.<\/span><\/p>\r\n<ul>\r\n<li>Visit the GRAS Maharashtra portal to begin the online payment process.<\/li>\r\n<\/ul>\r\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone  wp-image-1090480\" src=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-1-300x169.jpg\" alt=\"visit the gras maharashtra portal\" width=\"1063\" height=\"599\" srcset=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-1-300x169.jpg 300w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-1-1024x576.jpg 1024w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-1-768x432.jpg 768w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-1.jpg 1200w\" sizes=\"(max-width: 1063px) 100vw, 1063px\" \/><\/p>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\">For Kharghar, Panvel and Ulwe, select Raigad district<\/span><\/li>\r\n<\/ul>\r\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone  wp-image-1090481\" src=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-2-300x169.jpg\" alt=\"select raigad district\" width=\"1072\" height=\"604\" srcset=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-2-300x169.jpg 300w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-2-1024x576.jpg 1024w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-2-768x432.jpg 768w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-2.jpg 1200w\" sizes=\"(max-width: 1072px) 100vw, 1072px\" \/><\/p>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\">Check the RR Rate for your locality and calculate your stamp duty and registration fee<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Pay stamp duty, cess and the registration fee online through GRAS using net banking, UPI or a card, and download the challan<\/span><\/li>\r\n<\/ul>\r\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone  wp-image-1090482\" src=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-3-300x169.jpg\" alt=\"download the challan\" width=\"1077\" height=\"607\" srcset=\"https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-3-300x169.jpg 300w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-3-1024x576.jpg 1024w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-3-768x432.jpg 768w, https:\/\/www.squareyards.com\/blog\/wp-content\/uploads\/2026\/08\/Untitled-design-200kb-3.jpg 1200w\" sizes=\"(max-width: 1077px) 100vw, 1077px\" \/><\/p>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\">Book a sub-registrar appointment and attend with both parties and two witnesses for verification and biometrics<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Collect the registered deed, then complete the NMMC and society transfer for a resale flat<\/span><\/li>\r\n<\/ul>\r\n<h2><b>Tax Benefit on Stamp Duty in Navi Mumbai<\/b><\/h2>\r\n<p>Stamp duty and registration charges on a\u00a0<a href=\"https:\/\/www.squareyards.com\/sale\/property-for-sale-in-navi-mumbai\">property in Navi Mumbai<\/a>\u00a0can be claimed as a tax deduction, helping soften the upfront cost<\/p>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\">Deduction of up to Rs 1,50,000 under Section 80C of the Income Tax Act for a self-occupied residential property<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Claimed only in the financial year in which the payment is made, and it cannot be carried forward<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Available under the old tax regime; buyers on the new regime cannot claim it<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Joint buyers can each claim their proportionate share within the overall limit<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">A gift received from a specified relative is separately exempt from income tax under Section 56(2)(x)<\/span><\/li>\r\n<\/ul>\r\n<h2><b>Quick Reference: Stamp Duty and Registration in Navi Mumbai<\/b><\/h2>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><b>Property Value<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Male (7%)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Female (6%)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Registration (capped)<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><b>Male Total<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 40 lakh<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 2,80,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 2,40,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 3,10,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 60 lakh<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 4,20,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 3,60,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 4,50,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 80 lakh<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 5,60,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 4,80,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 5,90,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 1 crore<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 7,00,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 6,00,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 30,000<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Rs 7,30,000<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p><span style=\"font-weight: 400;\">The stamp duty columns use the 7 percent and 6 percent rates including cess and LBT, and registration is capped at Rs 30,000 above Rs 30 lakh. These assume the value equals or exceeds the RR Rate. Verify the applicable rate and RR Rate on the IGR Maharashtra portal before finalising your budget.<\/span><\/p>\r\n<h2><b>Conclusion<\/b><\/h2>\r\n<p><span style=\"font-weight: 400;\">Stamp duty and registration charges in Navi Mumbai come to about 8 percent for a man and 7 percent for a woman: 7 or 6 percent stamp duty, which includes the 1 percent metro cess and 1 percent local body tax, plus a 1 percent registration fee capped at Rs 30,000. Everything is charged on the higher of your agreement value or the Ready Reckoner Rate.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">A few points are specific to Navi Mumbai. The rate is commonly 7 percent, though some nodes may attract only 6 percent if the local body tax does not apply, so confirm it for your sector. Women save 1 percent on residential property in their sole name, and the old 15-year resale lock-in has been removed. A resale flat is charged the same rate but carries no GST and an NMMC transfer fee, and family gifts cost a flat Rs 200.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Check the Ready Reckoner Rate and the applicable rate on the IGR Maharashtra portal, pay through GRAS, selecting the correct district for your node, book your sub-registrar appointment, and complete the NMMC transfer for a resale. Do that and registration day in Navi Mumbai will be straightforward.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Navi Mumbai, the planned city across the harbour from Mumbai, has become one of the most sought-after markets in the region, from Vashi and Nerul to the fast-growing nodes of Kharghar, Panvel and Ulwe. Whatever you buy there, two government charges sit on top of the price you negotiate: stamp duty and a registration fee. [&hellip;]<\/p>\n","protected":false},"author":160,"featured_media":1090477,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[210],"acf":[],"_links":{"self":[{"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/posts\/1090476"}],"collection":[{"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/users\/160"}],"replies":[{"embeddable":true,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/comments?post=1090476"}],"version-history":[{"count":4,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/posts\/1090476\/revisions"}],"predecessor-version":[{"id":1090485,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/posts\/1090476\/revisions\/1090485"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/media\/1090477"}],"wp:attachment":[{"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/media?parent=1090476"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/categories?post=1090476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}