Stamp Duty Calculator — State-Wise Rates + Registration Charges
Stamp duty and registration are the biggest "hidden" costs of buying property in India — typically 6–9% on top of the price, and they can't be financed by your home loan. Rates differ by state, and most states charge women 1–2% less. Pick your state and see the full registration cost for any property value.
🏘️ Calculate Stamp Duty & Registration
Indicative rates as of mid-2026 — states revise rates and levy local cesses (metro cess, surcharge) that vary by city. Always confirm with the state registration department before payment.
Stamp Duty Rates by State (2026, Indicative)
| State | Stamp duty (male) | Women's rate | Registration |
|---|---|---|---|
| Maharashtra (Mumbai/Pune) | 6% (incl. metro cess) | 5% | 1% (cap ₹30,000) |
| Delhi | 6% | 4% | 1% |
| Karnataka | 5% (>₹45L) | 5% | 1% |
| Tamil Nadu | 7% | 7% | 4% |
| Uttar Pradesh | 7% | 7% (−₹10K rebate) | 1% |
| Telangana | ≈6% total | ≈6% | 0.5% |
| Gujarat | 4.9% | 4.9% | 1% (free for women) |
| Haryana (urban) | 7% | 5% | 1% (cap ₹50,000) |
| Kerala | 8% | 8% | 2% |
| West Bengal (urban, <₹1Cr) | 6% | 6% | 1% |
Rates are indicative for residential property as of mid-2026; states add local cesses (metro cess, labour cess, transfer duty) and revise rates in budgets. The registration department's own portal always has the final word.
Stamp duty in Pune (2026)
Pune follows Maharashtra's rates but adds local body charges, so the all-in cost is among the highest in the state. Expect roughly 7% for men and 6% for women on the higher of agreement value or ready-reckoner rate: 5% base stamp duty + 1% metro cess + 1% local body tax, plus 1% registration (capped at ₹30,000). On a ₹80 lakh Pune flat that is about ₹5.6 lakh in stamp duty alone for a male buyer. Once you've calculated it, use our home loan EMI calculator to budget the monthly payments — remember the bank won't finance the duty itself.
Stamp duty on a resale flat
Stamp duty is the same percentage on resale (second-hand) flats as on new ones — it is charged on the property's market/agreement value regardless of age. The real difference is GST: a ready-to-move resale flat with a completion certificate attracts no GST, while an under-construction flat carries 1% (affordable) or 5% GST. So resale buyers pay stamp duty + registration but skip GST entirely. If you're buying resale, the seller may owe capital gains tax on their sale — a common point in price negotiations.
Five Things Buyers Get Wrong
- Duty is charged on the higher of agreement value and circle rate (guidance/ready-reckoner value). Under-reporting the price doesn't reduce duty below the circle-rate floor — and a sale price more than 10% below circle rate triggers income tax on both sides under §56(2)(x) and §50C.
- Your home loan won't cover it. Banks finance the property value only; budget the 6–9% duty + registration in cash.
- Registering in a woman's name saves real money — 1–2% in Delhi, Maharashtra, Haryana, Rajasthan, Punjab and others. On a ₹1 crore Delhi flat, registering in your wife's name saves ₹2 lakh.
- Stamp duty qualifies for §80C (old regime, within the ₹1.5L cap) in the year of purchase — frequently missed.
- GST applies only to under-construction property (1% affordable / 5% others, no input credit) — ready-to-move homes with completion certificates attract stamp duty but no GST.