Stamp duty calculator
Stamp duty in India is a state tax on registering a property transfer, charged on the higher of the agreement value or the government circle rate. Headline rates run from roughly 4% to 8% of value, plus a registration charge of about 0.5%–4%. Several states charge less when the buyer is a woman. Enter your property value below for an indicative figure.
Calculate your duty
Ownership
- Stamp duty (6%)
- ₹4.50 Lakh
- Registration (1%)
- ₹30,000
- Duty + registration
- ₹4.80 Lakh
- Total outgo
- ₹79.80 Lakh
Maharashtra: Includes 1% metro cess in Mumbai, Pune, Nagpur and Thane; local body tax may apply.
Indicative only. Rates change with state budgets, urban vs rural jurisdiction, local cess and slab-based concessions. Confirm the current figure with the sub-registrar or your state's registration department before you transact.
Stamp duty rates by state
| State | Male / sole | Female | Joint | Registration |
|---|---|---|---|---|
| Maharashtra | 6% | 5% | 6% | 1% (max ₹30,000) |
| Delhi | 6% | 4% | 5% | 1% |
| Karnataka | 5% | 5% | 5% | 1% |
| Uttar Pradesh | 7% | 6% | 6.5% | 1% |
| Haryana | 7% | 5% | 6% | 1% (max ₹50,000) |
| Telangana | 5% | 5% | 5% | 0.5% |
| Tamil Nadu | 7% | 7% | 7% | 4% |
| Gujarat | 4.9% | 4.9% | 4.9% | 1% |
| West Bengal | 6% | 6% | 6% | 1% |
| Rajasthan | 6% | 5% | 5.5% | 1% |
| Madhya Pradesh | 7.5% | 7.5% | 7.5% | 3% |
| Punjab | 7% | 5% | 6% | 1% |
| Kerala | 8% | 8% | 8% | 2% |
| Andhra Pradesh | 5% | 5% | 5% | 1% |
| Odisha | 5% | 4% | 5% | 2% |
| Bihar | 6% | 5.7% | 6% | 2% |
Stamp duty FAQs
- What is stamp duty on property in India?
- Stamp duty is a state tax paid on the registration of a property transfer. It is charged as a percentage of the higher of the agreement value or the government-notified circle / ready-reckoner rate, and is paid by the buyer before the sale deed is registered.
- Is stamp duty lower for women buyers?
- Several states — including Delhi, Haryana, Punjab, Rajasthan, Uttar Pradesh and Odisha — publish a concessional rate when the buyer is a woman or when a woman is a joint owner. The concession is typically 1–2 percentage points. Some states publish no concession at all.
- Are stamp duty and registration charges different?
- Yes. Stamp duty is the tax on the instrument; the registration charge is the fee for recording the deed with the sub-registrar. Registration is usually around 1% of value, and some states cap it at a fixed rupee amount.
- Can stamp duty be included in a home loan?
- Most lenders exclude stamp duty and registration from the sanctioned loan amount, so buyers should plan to fund it from their own contribution alongside the down payment.
- Is stamp duty eligible for a tax deduction?
- Stamp duty and registration charges paid on a residential purchase can be claimed under Section 80C in the financial year they are actually paid, within the overall 80C limit. Confirm current limits with a tax adviser.