MahaRERA Guide for New Home Buyers in Mumbai
For new-home buyers: Before booking an under-construction or newly launched residential project in Mumbai, verify the project on the official MahaRERA website and compare the information there with the documents and terms given to you. This guide is general information, not legal, financial or tax advice.
Start with the project's identity and registration number. Then review the promoter details, project details, declared possession information, available approvals and project updates. Before signing, compare the apartment's carpet area, consideration, payment schedule and other material terms with the Agreement for Sale and the project information. If something does not match, ask for clarification before proceeding.
What is MahaRERA?
MahaRERA is the Maharashtra Real Estate Regulatory Authority. Its official website provides facilities for citizens and homebuyers, including registered real estate project information, project-wise and promoter-wise complaint searches, non-registration information and other project-status resources.
For a Mumbai home buyer, MahaRERA is an important verification source for a new or under-construction project. It should be used alongside the project's contractual documents, approvals and professional legal advice where required.
Why should you check MahaRERA before booking a new home?
A brochure, website, sales presentation or WhatsApp message is not the same as independently checking the project's regulatory information. The official MahaRERA website lets buyers investigate the project using the information maintained by the Authority.
- Confirm the project registration number and project identity.
- Check the promoter/developer details shown for the project.
- Review the declared project information and possession details available on the project record.
- Look at project updates where available. MahaRERA has a quarterly-update framework for registered projects, including project progress and other disclosures.
- Check relevant complaint, lapsed, revoked, abeyance or compliance information where applicable on the MahaRERA website.
How to verify a Mumbai project's RERA registration
- Ask the sales team for the exact MahaRERA project registration number.
- Open the official MahaRERA website.
- Use the project's name, promoter information and registration details to locate the correct project record.
- Match the record with the project you are being shown: developer/promoter, project name, location and other identifying details.
- Do not stop at the registration certificate. Review the project information and available updates before making a decision.
MahaRERA's website separates registered-project information from other project-status and grievance resources, so use the relevant section rather than relying on a search result or third-party property portal.
What should you check on the MahaRERA project page?
| Check | What to look for | Why it matters |
|---|---|---|
| Project identity | Project name, promoter and registration number. | Helps ensure you are checking the correct project. |
| Location | Declared project location and identifying details. | Helps match the regulatory record to the property being marketed. |
| Apartment details | Configuration, apartment information and carpet area where disclosed. | Lets you compare the unit being offered with the documented project information. |
| Possession | Declared completion/possession information and subsequent updates where available. | Useful when assessing an under-construction purchase and its timeline. |
| Approvals/documents | Available sanctioned plans, approvals and other uploaded project documents. | Helps you understand what has been submitted or disclosed for the project. |
| Project progress | Quarterly updates and available progress information. | Gives a documented reference point instead of relying only on verbal updates. |
| Complaints/status | Relevant complaint, lapsed, revoked or abeyance information where applicable. | Can identify issues that deserve further investigation. |
RERA carpet area: what should a buyer compare?
When comparing apartments, pay close attention to RERA carpet area rather than treating every area figure in a brochure as equivalent. The statutory definition and exclusions should be read with the applicable RERA documents and the Agreement for Sale.
Ask the sales team to clearly identify which area is being quoted. If a brochure, cost sheet, email or WhatsApp message gives a different area from the contractual documents, ask for the difference to be explained in writing before signing.
Agreement for Sale: do not rely only on the brochure
The Agreement for Sale is a critical document in a new-home transaction. Before signing, compare the agreement with the project information and the commercial terms you were shown.
- Project and promoter identity
- Apartment number and configuration
- RERA carpet area and other area descriptions
- Total consideration and what is included or excluded
- Payment schedule and instalment triggers
- Possession and applicable contractual terms
- Parking, amenities and other promised items where contractually applicable
- Default, cancellation, interest and other buyer/promoter obligations
Keep copies of the signed agreement, payment receipts, allotment documents, cost sheets and important written communications. If you are unsure about a clause, have a qualified property lawyer review it before you sign.
What about project progress and possession?
For an under-construction project, do not evaluate possession only from a sales conversation. Compare the declared project information with later updates available on MahaRERA. MahaRERA's quarterly-update framework covers project progress and other disclosures for registered projects.
For a completed or possession-stage home, ask what completion or occupancy documentation applies to the building/project and whether the relevant document has been issued. The exact documents and timing can depend on the project and local authority.
UrbanKeyHome True Cost Calculator: Mumbai flat purchase cost
Use this simple calculator to see how an Agreement Value can translate into an illustrative purchase outlay after the example charges below. The rates are editable because the actual government calculation depends on the property and transaction.
- Agreement Value₹1,00,00,000
- Stamp Duty (6%)₹6,00,000
- GST (5%)₹5,00,000
- Registration₹30,000
Illustration only. GST may not apply to every property or transaction, stamp duty is subject to the applicable valuation/rules, and registration charges can vary. Verify the current government calculation before payment.
Agreement Value + Taxes: what should a new-home buyer budget?
The Agreement Value is the consideration stated for the apartment in the Agreement for Sale. But the amount you need to budget can be higher because government duties and applicable taxes may be payable in addition to the agreement value.
| Cost | Typical Mumbai buyer guidance | Important point |
|---|---|---|
| Agreement Value | The apartment consideration stated in the Agreement for Sale. | Check exactly what is included and excluded from the quoted consideration. |
| Stamp Duty | 6% is a commonly applicable Mumbai residential rate for a male buyer, including the applicable metro cess — other MMR cities differ, and women buyers commonly get a concession. | The duty base can depend on the applicable market/valuation rules, so confirm the amount payable for the specific property before registration. |
| GST | 5% effective GST is generally applicable to eligible under-construction, non-affordable residential property; affordable housing has a different (lower) rate, and a ready-to-move property sold after the Occupancy Certificate is issued is generally not subject to GST in the same way. | GST treatment depends on the property's status and transaction. A completed property sold after the relevant completion/occupation conditions can have different GST treatment. |
| Registration Fee | For many Mumbai residential sale registrations, the fee is subject to the applicable cap, commonly ₹30,000. | Confirm the current fee applicable to your document and property with the Maharashtra Registration & Stamps Department. |
Simple example (male buyer, under-construction, non-affordable, Mumbai city/suburbs): if the Agreement Value is ₹1 crore, and for illustration the applicable stamp-duty base and GST-taxable amount are both ₹1 crore, 6% stamp duty is ₹6 lakh, 5% GST is ₹5 lakh and registration is ₹30,000. The illustrative outlay becomes ₹1.113 crore. This is only a calculation example — the actual stamp-duty base, GST applicability and registration fee must be confirmed for the specific transaction.
For a buyer, this is why a quoted “flat price” should not automatically be treated as the final amount payable. Ask for a written cost sheet showing Agreement Value + Stamp Duty + GST (if applicable) + Registration Fee + other applicable charges before paying the booking amount.
What if you have a problem with the builder?
Start by preserving your documents and communicating the issue clearly in writing. If the matter concerns a registered project and remains unresolved, MahaRERA provides an online complaint mechanism.
MahaRERA's FAQ states that under Section 31 of the RERA Act and Rule 6 of the Maharashtra Rules, an aggrieved person with an interest in a registered project can file a complaint online. The complaint includes the project registration number, particulars of the complainant and respondent, facts of the case, relief sought and enclosures.
You can also use MahaRERA's official complaint-search facility to review project-wise or promoter-wise complaint information.
What should you do before paying a booking amount?
- Verify the exact project and promoter on MahaRERA.
- Confirm the apartment configuration, carpet area and consideration in writing.
- Understand the complete payment schedule and additional charges.
- Read the booking/allotment terms and ask what happens if you cancel.
- Check the Agreement for Sale process and have it reviewed if necessary.
- Keep a written record of promises that are material to your purchase.
- Do not assume that a marketing claim is contractual unless it is reflected in the relevant documents.
MahaRERA checklist for a new home buyer in Mumbai
- ☐ Project registration number verified on the official MahaRERA website
- ☐ Promoter/developer name matches
- ☐ Project location and identity match
- ☐ Apartment configuration and carpet area understood
- ☐ Possession information reviewed
- ☐ Available approvals and project documents reviewed
- ☐ Latest available project updates checked
- ☐ Relevant complaint/status information checked where applicable
- ☐ Agreement for Sale reviewed before signing
- ☐ Agreement Value, Stamp Duty, GST (if applicable), Registration Fee and other additional costs understood
- ☐ Copies of important documents and receipts saved
- ☐ Professional legal/tax/financial advice taken where needed
Official MahaRERA resources for Mumbai home buyers
- MahaRERA official website — homebuyer, project and grievance resources.
- MahaRERA Project Registration — official Authority project-registration resource.
- MahaRERA complaint search — search project/promoter complaint information.
- MahaRERA FAQ — includes complaint procedure guidance.
Frequently asked questions
What is MahaRERA?
MahaRERA is the Maharashtra Real Estate Regulatory Authority. Its website provides homebuyer facilities including registered project information, project-related complaints and guidance for homebuyers.
How do I check if a Mumbai project is RERA registered?
Ask the promoter for the project registration number and search the project on the official MahaRERA website. Match the project name, promoter and other available project details rather than relying only on a brochure or advertisement.
What should I check on a MahaRERA project page?
Check the registration number, promoter details, project details, declared possession information, uploaded approvals and project updates that are available for that project. Also check whether the project appears in any relevant MahaRERA status or compliance list.
What is RERA carpet area?
For a homebuyer, carpet area is the area that should be compared when evaluating the usable internal area of the apartment. The exact statutory definition and exclusions should be read from the applicable RERA documents and agreement for sale.
Should I compare the Agreement for Sale with the MahaRERA details?
Yes. Before signing, compare material details such as the apartment, carpet area, consideration, payment schedule, possession terms and other obligations with the project information and documents. A property lawyer can review the agreement for your specific transaction.
What if the project is delayed?
First review the registered project information and the terms of your Agreement for Sale. If you have a grievance relating to a registered project, MahaRERA provides an online complaint mechanism under Section 31 and Rule 6.
Can a homebuyer complain to MahaRERA?
MahaRERA states that an aggrieved person having an interest in a registered project can file a complaint online. The complaint information includes the project registration number, parties, facts, relief sought and enclosures.
What taxes and charges are payable when buying a new flat in Mumbai?
In a typical Mumbai new-home transaction, buyers may need to budget for the Agreement Value plus applicable Stamp Duty, GST and Registration Fee. A commonly applicable Mumbai residential stamp-duty rate is 6%, eligible under-construction residential property outside the affordable segment generally has 5% effective GST, and registration is commonly subject to a ₹30,000 cap for many residential sale registrations. The exact amount depends on the property and transaction, so confirm the current calculation before payment. This example assumes a male buyer purchasing eligible under-construction, non-affordable residential property within Mumbai city/suburbs specifically — other Mumbai Metropolitan Region cities (for example Thane, Navi Mumbai or Pune) can have different stamp-duty rates, women buyers commonly receive a stamp-duty concession, and a ready-to-move property sold after the applicable Occupancy Certificate is issued is generally not subject to GST in the same way.
Should I pay a booking amount before checking MahaRERA?
A buyer should complete project and document due diligence before committing money. At minimum, verify the project identity, registration details, apartment details, commercial terms and the documents you are being asked to sign or accept.
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About this guide. General information, last updated 1 October 2026. This page focuses on practical RERA due diligence for new-home buyers in Mumbai and does not provide legal, financial or tax advice. Regulatory requirements and project information can change; verify current details on the official MahaRERA website and consult a qualified professional for your specific transaction.