Stamp Duty Calculator India
Calculate stamp duty and registration charges for your property purchase. Covers 14 major states including Maharashtra, Delhi, Karnataka, Tamil Nadu, UP and more.
Calculate Property Stamp Duty & Registration Charges
Select your state and enter the property value to get the total cost of property registration.
State-wise Stamp Duty Rates (2024)
| State | Men | Women | Extra Charges | Notes |
|---|---|---|---|---|
| Maharashtra | 5% | 4% | 2% | 5% stamp duty + 1% metro cess + 1% LBT (urban areas). Women get 1% rebate.... |
| Delhi | 6% | 4% | 0% | 6% for men, 4% for women. Additional 0.1% for Delhi govt transfer duty.... |
| Karnataka | 5.6% | 5.6% | 0% | 5.6% (5% stamp duty + 0.6% surcharge). Same for all genders.... |
| Tamil Nadu | 7% | 7% | 0% | 7% stamp duty + 1% registration fee. Same for all genders.... |
| Uttar Pradesh | 7% | 6% | 0% | 7% for men, 6% for women. Plus 1% registration charges.... |
| West Bengal | 6% | 6% | 1% | 6% for properties below ₹40L; 7% above ₹40L. Plus 1% surcharge.... |
| Rajasthan | 6% | 5% | 0% | 6% for men, 5% for women. Plus 1% registration charges.... |
| Gujarat | 4.9% | 4.9% | 0% | 4.9% stamp duty. Same for all genders.... |
| Punjab | 7% | 5% | 0% | 7% for men, 5% for women. Plus 1% registration fee.... |
| Haryana | 7% | 5% | 0% | 7% for men, 5% for women. Urban areas may have additional surcharge.... |
| Madhya Pradesh | 7.5% | 7.5% | 0% | 7.5% stamp duty. Plus 3% registration charges.... |
| Telangana | 4% | 4% | 0% | 4% stamp duty + 0.5% transfer duty + 1.5% registration = 6% total.... |
| Andhra Pradesh | 5% | 5% | 0% | 5% stamp duty + 1% registration fee. Same for all genders.... |
| Kerala | 8% | 8% | 0% | 8% stamp duty. Same for all genders. Plus 2% registration fee.... |
What is Stamp Duty?
Stamp duty is a state government tax collected on the registration of property documents. It is a legal requirement — a property transaction is not legally valid until stamp duty is paid. Rates vary significantly by state, property type, and buyer's gender.
How Stamp Duty is Calculated
- Stamp duty is calculated on the higher of agreement value or circle rate (govt guidance value)
- Additional charges may include: metro cess, local body tax (LBT), surcharge
- Registration charges (typically 1%) are paid separately to the sub-registrar office
- Women buyers get 1–2% concession in most states to promote women's property ownership
Important Notes
- Stamp duty must be paid before or at the time of executing the sale deed
- Non-payment or under-payment invites a penalty of up to 10 times the deficient amount
- Stamp duty is a one-time cost — not recurring like property tax
- Stamp duty can be paid online via your state's SHCIL / GRAS portal
- Rates shown are approximate and may be revised — always verify with the local sub-registrar office
Worked Example
Suppose you buy a flat in Maharashtra with an agreement value of ₹80,00,000, while the government circle rate values it at ₹75,00,000. Stamp duty is charged on the higher figure (₹80 lakh). At a 6% stamp duty rate, that is ₹4,80,000, plus 1% registration of ₹80,000 — a total of ₹5,60,000 in one-time charges. If the buyer is a woman and the state offers a 1% concession, stamp duty drops to 5% (₹4,00,000), saving ₹80,000. These costs are over and above the property price and your home loan, so budget for them upfront.
Why Circle Rate Matters
The circle rate (also called guidance value or ready-reckoner rate) is the minimum value at which a property can be registered in a given area. If you buy below the circle rate, stamp duty is still charged on the circle rate, and the difference may even be treated as taxable income under Section 56(2) of the Income Tax Act. This is why understanding both your agreement value and the local circle rate is essential before budgeting for a purchase.
Can You Save Tax on Stamp Duty?
Yes — under Section 80C, stamp duty and registration charges on a residential property can be claimed as a deduction up to the overall ₹1.5 lakh 80C limit, but only in the financial year in which they are actually paid. This benefit is available only under the old tax regime and only for the year of purchase, so plan your other 80C investments around it if you buy a home.
Frequently Asked Questions — Stamp Duty Calculator
Stamp duty is a state government tax levied on property transactions. It is collected at the time of registering the sale deed or transfer of property. Payment of stamp duty is a legal requirement — a property document is not legally admissible in court unless adequate stamp duty has been paid. Non-payment or underpayment can attract a penalty of up to 10 times the deficient amount.
Stamp duty is calculated on the higher of two values: (1) the actual agreement/sale value, or (2) the government's circle rate (also called guidance value or ready reckoner rate). If you buy a property for ₹80 lakh but the circle rate suggests it should be worth ₹1 crore, stamp duty will be calculated on ₹1 crore. This prevents under-reporting of property values.
Yes, most Indian states offer a 1–2% concession on stamp duty for women buyers to promote women's property ownership. For example: Delhi charges 4% for women vs 6% for men; Rajasthan charges 5% for women vs 6% for men; Punjab charges 5% for women vs 7% for men. Maharashtra offers a 1% rebate for women. Joint purchases where the first owner is a woman may also qualify in some states.
Stamp duty and registration charges are two separate fees. Stamp duty (2–8% depending on state) goes to the state government as a tax. Registration charges (typically 1% of property value, subject to a ceiling in some states) are paid to the Sub-Registrar's office for officially registering the property in government records. Both must be paid — failing to register means the transaction is not legally enforceable against third parties.
Yes. Most states allow online stamp duty payment through their government portals. Maharashtra uses GRAS (Government Receipt Accounting System) and iSarita. Delhi uses SHCIL (Stock Holding Corporation of India). Karnataka uses KAVERI online services. You can purchase e-stamps or pay via franking machines at designated banks. Always obtain a proper receipt and get the document registered at the Sub-Registrar office.
Stamp duty is partially refundable if the property deal is cancelled before registration — but the rules and timelines vary by state. Most states allow a refund of stamp duty within a limited period (e.g., 6 months in Maharashtra) subject to a deduction of 10–15% as administrative charges. If the deed has been registered, stamp duty is generally non-refundable. Registration charges are typically not refunded.