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What moving in really costs

Rent is the number in the listing. The cheque you write on day one is bigger: deposit, the first month, brokerage, stamp duty and the registration fees. Here is all of it, with the rule behind each line.

Your flat

For ₹1,41,350 a month and a ₹4,24,050 deposit over 11 months, you need ₹7,12,035 before moving in. Here is every line:

Total to move in

Due before moving in₹7,12,035

Security deposit (refundable)Agreed amount · Comes back at the end, minus agreed and itemised deductions.
₹4,24,05060% of total
First month's rentAgreed amount
₹1,41,35020% of total
Brokerage (1 month of rent, usual practice)Usual practice in Mumbai · Published guides put Mumbai brokerage at 1–3 months of rent; it is negotiable, not a legal rate. Source
₹1,41,35020% of total
Stamp duty (Article 36A(a))Government charge · 0.25% of rent over the term plus notional interest on the deposit. Formula checked against the official Act. Source
₹3,985under 1% of total
Registration fee (Mumbai)Government charge · not yet verified · Partially verified: IGR's general fixed fee for property in Greater Mumbai; the leave-and-licence rate is cited only by secondary sources. Source
₹1,000under 1% of total
Online document handling charge (DHC)Government charge Source
₹300under 1% of total

Of this, ₹4,24,050 is the refundable deposit. Money you will not get back: ₹1,46,635.

UNVERIFIEDRegistration fee (Mumbai): the current official amount is not fully confirmed from an official source (see the line note).

How the stamp duty is worked out
  1. Rent over 11 months: ₹1,41,350 × 11 = ₹15,54,850
  2. Notional interest on the refundable deposit: ₹4,24,050 × 10% a year × 11/12 = ₹38,871.25
  3. Non-refundable deposit or premium: ₹0
  4. Amount charged: ₹15,93,721.25
  5. Stamp duty at 0.25%: ₹3,984.30
  6. Rounded up to the next rupee (our convention; the official portal's rounding is not published): ₹3,985
  • Stamp duty and registration are often split between owner and tenant; agree who pays in the contract.
  • Society maintenance not entered: ask for the latest society bill and whether it is included in rent.
  • Minimum stamp duty: No minimum stated in Article 36A(a). UNVERIFIED whether the official calculator applies a minimum or rounding; app rounds up to the next rupee and labels it.
  • Statutory rounding: UNVERIFIED: official calculator rounding not documented publicly (calculator requires CAPTCHA). Difference is at most a few rupees.
  • Mumbai municipal-corporation registration fee: PARTIALLY VERIFIED 2026-10-27. Rs 1,000 was read in the official IGR registration fee table: it is the general fixed fee for immovable property in Greater Bombay where value is not expressed, not a line specific to leave and licence. The L&L-specific notification of 8 Jul 2000 (Municipal Corporation Rs 1,000; other areas Rs 500) is cited only by secondary sources, e.g. https://www.e-stampdutyreadyreckoner.com/leave-and-licence-calculator.php and https://www.99acres.com/articles/stamp-duty-and-registration-laws-for-rental-property-in-maharashtra.html
  • No minimum duty is stated in Article 36A(a); none is applied.

General guidance, not legal advice. Figures are estimates; confirm on the official portal before paying.

Assistants can run the same calculation: it is the true_move_in_cost tool on our MCP server and REST API. Next step after the numbers: the closing checklist.