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Stamp Duty Calculator — State-wise Property Registration Cost

Calculate the exact stamp duty and registration charges for your property purchase. Select your state, enter the property value, and get an instant breakdown of all costs.

Property Details

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₹1 Lakh ₹50 Crore

Stamp Duty Rates Across States

Reference table of current stamp duty and registration rates in major Indian states.

State Male Female Registration
Maharashtra (Mumbai)6%5%1% (max ₹30K)
Maharashtra (Other)7%6%1%
Delhi6%4%1%
Karnataka5%5%1%
Tamil Nadu7%7%4%
Gujarat4.9%4.9%1%
Uttar Pradesh7%6%1%
Rajasthan5%4%1%
Telangana5%5%0.5%
Kerala8%8%2%
West Bengal6%6%1%
Haryana7%5%Variable
Punjab6%4%1%

Source: Respective state government notifications. Rates subject to change. Verify with your local sub-registrar office before purchase.

Cost Breakdown

Maharashtra (Mumbai)

Male Buyer

Total Cost (Stamp Duty + Registration)

₹0

Stamp Duty (6%)
₹0
Registration Fee (1%)
₹0
Total ₹0
Property Value ₹0
Total Purchase Cost ₹0

Tip: In this state, women get a lower stamp duty rate. Register the property in a woman's name to save money.

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Understanding Stamp Duty and Registration Charges in India

When you buy a property in India, the purchase price is not your only cost. State governments levy stamp duty on the property transaction document (sale deed), and you must also pay registration charges to officially register the property in your name at the Sub-Registrar's office. Together, these costs can add 5-12% to your property's purchase price.

For a ₹75 lakh property in Maharashtra (Mumbai), a male buyer pays approximately ₹5.25 lakh in stamp duty and registration. In Delhi, the same property would cost ₹5.25 lakh for a man but only ₹3.75 lakh for a woman. These are significant amounts that must be budgeted for alongside the down payment and home loan.

Why Stamp Duty Varies by State

Stamp duty is a state subject under Entry 63 of the State List (Schedule VII) of the Indian Constitution. This means each state government independently determines the stamp duty rate, registration fees, and any concessions or surcharges. The variation arises from:

  • Revenue needs: States that depend heavily on property transactions for revenue tend to have higher rates (e.g., Tamil Nadu at 7% + 4% registration).
  • Market stimulation: Some states keep rates low to attract property investment (e.g., Gujarat at 4.9%).
  • Social policy: Many states offer concessions for women buyers to promote women's property ownership.
  • Urban vs. rural: Some states have different rates for urban and rural areas, or municipal and non-municipal areas.

How Stamp Duty is Calculated

Stamp duty is calculated on the higher of the actual transaction value or the government's guideline value (known as circle rate in Delhi, ready reckoner rate in Maharashtra, or guidance value in Karnataka). Even if you negotiate a lower price with the seller, the stamp duty is calculated on the guideline value if it is higher.

For example, if you buy a flat in Mumbai for ₹80 lakh but the ready reckoner rate values it at ₹85 lakh, the stamp duty will be calculated on ₹85 lakh.

Women Get Lower Rates: A Smart Strategy

Several states offer reduced stamp duty for women buyers. This is a powerful savings strategy. If you are a married couple buying a home, consider registering the property in the wife's name (or as a joint ownership with the wife as the first holder). The stamp duty savings can be ₹50,000 to ₹3,00,000 depending on the property value and state.

States with significant women's concessions include Delhi (4% vs 6%), Maharashtra Mumbai (5% vs 6%), Haryana (5% vs 7%), and Punjab (4% vs 6%).

Tax Benefits on Stamp Duty

The stamp duty and registration charges paid for a residential property are eligible for tax deduction under Section 80C of the Income Tax Act. This deduction is available in the year of purchase, subject to the overall Section 80C limit of ₹1,50,000. This applies whether or not you take a home loan.

If you do take a home loan, the stamp duty is in addition to the principal repayment deduction under Section 80C. However, both together cannot exceed the ₹1,50,000 limit in any single year.

Important Points to Remember

  1. Pay correct stamp duty: Under-payment can lead to penalties of up to 200% of the deficit plus prosecution. The government routinely audits transactions against circle rates.
  2. Payment methods: Stamp duty can be paid via franking, e-stamping (SHCIL portal), or physical stamp paper. E-stamping is the most common and convenient method today.
  3. Registration is mandatory: Under the Indian Registration Act 1908, all property transactions above ₹100 must be registered. An unregistered sale deed is not legally valid.
  4. Deadline: Registration must be done within 4 months of executing the sale deed. Beyond this, a late fee applies.
  5. Budget early: Add 7-12% of the property value as your stamp duty and registration budget. This is on top of the property price and must be paid from your own funds (not covered by a home loan).
Source: Stamp duty rates based on respective state government notifications and Indian Stamp Act, 1899 (as amended by state legislatures). Rates effective as of 2026. States may revise rates during budget sessions. Always verify current rates with your local Sub-Registrar office before making payment.

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Frequently Asked Questions

Stamp duty rates sourced from respective state government notifications. Rates effective 2026. Verify with local Sub-Registrar before property purchase.