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Updated June 2026
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
Stamp duty + registration
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.
⚠️ Disclaimer: CalcSmart is not a tax, financial, legal or medical advisor. Calculators and content here are for general information only, compiled from publicly available rules and rates that change frequently. Always verify the accuracy and freshness of figures with official sources (e.g. incometax.gov.in, cbic.gov.in, your bank) or a qualified professional before acting on any result.
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.
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.
Frequently Asked Questions
Between 4% and 8% of the property value depending on the state, plus registration charges of 0.5–4%. Examples (2026): Maharashtra 6% + 1% registration (capped ₹30K), Delhi 6% (4% for women) + 1%, Tamil Nadu 7% + 4%, Gujarat 4.9% + 1%. Duty is charged on the higher of the agreement value and the government circle rate.
In many states, yes. Delhi charges women 4% vs 6% for men; Haryana 5% vs 7%; Maharashtra, Rajasthan, Punjab and others give a 1–2% concession; Gujarat waives the registration fee for women. Registering property in a woman's name (sole or sometimes joint) is one of the simplest legitimate ways to cut purchase costs.
No. Banks lend against the property value only (LTV 75–90%); stamp duty and registration must be paid from your own funds at registration. On a ₹75 lakh purchase in Maharashtra that's roughly ₹4.8 lakh of cash you need beyond the down payment.
Yes — stamp duty and registration charges qualify under §80C (old regime) up to the combined ₹1.5 lakh limit, only in the financial year you pay them, and only for a new residential property you occupy.
For ready-to-move property with a completion certificate: no GST, only stamp duty. For under-construction property: GST of 1% (affordable housing) or 5% (other residential) applies on the builder's installments, and stamp duty is still payable at registration. The two taxes are independent.