Stamp Duty Calculator
Calculate stamp duty and registration charges for your property purchase across 15 major Indian states. Rates vary from 3% (Punjab, women) to 12% (Tamil Nadu total) of the property value — potentially lakhs of rupees difference based on state, buyer gender, and city.
Enter the higher of circle rate or agreement value, select your state, and the calculator computes your stamp duty, registration fee, and any applicable transfer duty.
How this calculator works
Stamp duty is a state-government tax on property transactions governed by the Indian Stamp Act 1899 and respective state stamp acts. It is paid by the buyer at the time of property registration and is non-refundable.
How stamp duty is calculated
Stamp duty is levied on whichever is higher: the agreement value (actual sale price) or the circle rate (government-notified guidance value). You cannot avoid stamp duty by understating the sale price — the sub-registrar office will use circle rate automatically.
Components of total registration cost
- Stamp duty — main tax, varies 3-8% by state
- Registration fee — typically 1% across most states (capped at ₹30,000-₹60,000 in some states)
- Transfer duty — levied in Telangana (1.5%) and a few other states on top of stamp duty
- Cess and surcharges — some municipalities levy additional cess (e.g., Mumbai metro cess)
Women buyer concession
Several states offer reduced stamp duty when property is registered in a woman's name. Delhi gives 2% off (4% vs 6%), Punjab gives 3% off, Haryana and Gujarat give 2% off. Registering in a spouse or mother's name can save ₹1-3 lakh on a ₹1 crore property.
Worked example
Example — ₹50 lakh flat in Bengaluru (Karnataka):
- Property value: ₹50,00,000
- Karnataka stamp duty: 5% = ₹2,50,000
- Registration charge: 1% = ₹50,000
- Total: ₹3,00,000 (6% of property value)
Example — Same flat in Mumbai (Maharashtra) registered in wife's name:
- Property value: ₹50,00,000
- Maharashtra female stamp duty: 5% = ₹2,50,000
- Registration charge: 1% (capped at ₹30,000)
- Total: ₹2,80,000 (Saved ₹50,000 vs male registration)
Example — Same flat in Chennai (Tamil Nadu):
- Property value: ₹50,00,000
- Tamil Nadu stamp duty: 7% = ₹3,50,000
- Registration charge: 4% = ₹2,00,000
- Total: ₹5,50,000 (11% — highest in India)
Frequently asked questions
Is the stamp duty rate based on agreement value or circle rate?
Whichever is higher. If your agreement value is ₹60 lakh but the circle rate (guidance value in Karnataka) for that area is ₹70 lakh, stamp duty is calculated on ₹70 lakh. You cannot reduce stamp duty by understating the actual sale price.
Do women really pay less stamp duty?
Yes, in several states. Delhi (4% vs 6%), Punjab (3% vs 6%), Haryana (5% vs 7%), Gujarat (3% vs 5%), UP (6% vs 7%), Rajasthan (5% vs 6%), Maharashtra (5% vs 6%). Karnataka, Tamil Nadu, West Bengal and Kerala offer no gender concession.
What if I register property jointly?
Joint registration (male + female) usually gets the lower female rate in states that offer concessions. Some states apply a midpoint rate. This calculator uses the state's standard joint rate.
Is stamp duty tax deductible?
Yes, under Section 80C of the Income Tax Act (old regime), stamp duty and registration charges on a new residential property can be claimed as deduction up to ₹1.5 lakh in the year of purchase. Not available under the new regime.
When do I pay stamp duty?
Stamp duty is paid at the time of property registration at the Sub-Registrar office. Most states now accept online payment via the state's e-stamping portal (e.g., Kaveri Online Services in Karnataka, IGR Maharashtra).
Does stamp duty include GST?
No, these are separate taxes. Stamp duty is paid to the state government on the registration transaction. GST (typically 5% for under-construction properties, 1% for affordable housing) is paid to the builder separately on construction value.
What happens if I pay late?
Penalties vary by state. Maharashtra charges 2% per month. Tamil Nadu imposes up to 25% penalty for delays beyond 6 months. Some states may cancel the registration for extended delays.
Can I claim stamp duty concession as a first-time buyer?
A few states offer minor concessions under central schemes like PMAY (Pradhan Mantri Awas Yojana) for affordable housing, but there is no universal first-time buyer stamp duty waiver in India.