Stamp Duty Calculator — Property Registration Charges by State (India)
Calculate stamp duty and registration charges for property purchases in India. State-wise rates, exemptions for women buyers, and how to reduce stamp duty legally.
Stamp duty is the single largest upfront cost of buying property in India — often 5–7% of the property value, which on a ₹1 crore property means ₹5–7 lakh in addition to the purchase price. Most buyers don't budget for it until they're at the registration office.
The CalcHub Stamp Duty Calculator estimates your stamp duty and registration charges by state.
Stamp Duty Rates by State (2026)
| State | Stamp Duty (Male) | Stamp Duty (Female) | Registration Charge |
|---|---|---|---|
| Maharashtra | 6% (Mumbai: 5%) | 5% (Mumbai: 4%) | 1% (max ₹30,000) |
| Karnataka | 5% | 5% | 1% |
| Delhi | 6% | 4% | 1% |
| Tamil Nadu | 7% | 7% | 4% |
| Uttar Pradesh | 7% | 6% | 1% |
| Telangana | 6% | 6% | 0.5% |
| Gujarat | 4.9% | 4.9% | 1% |
| Rajasthan | 6% | 5% | 1% |
| West Bengal | 6–7% | 6–7% | 1% |
| Kerala | 8% | 8% | 2% |
| Haryana | 7% (Male), 5% (Female) | 5% | Included |
| Punjab | 7% | 5% | 1% |
| Madhya Pradesh | 7.5% | 7.5% | 3% |
Total Upfront Cost Calculation
Example: ₹80 lakh apartment in Mumbai (male buyer)| Cost Component | Amount |
|---|---|
| Property price | ₹80,00,000 |
| Stamp duty (5%) | ₹4,00,000 |
| Registration charge (1%) | ₹30,000 (capped) |
| GST (if under-construction) | ₹4,00,000 (5% on non-affordable) |
| Legal/documentation fees | ₹15,000–₹30,000 |
| Total upfront beyond price | ₹4,45,000–₹8,30,000 |
How to Legally Reduce Stamp Duty
1. Register in a woman's name. Most states offer 1–2% lower stamp duty for female buyers. On a ₹1 crore property, this saves ₹1–2 lakh. Even adding a woman as joint owner (first name) often qualifies for the reduced rate. 2. Check for government exemptions. Several states periodically reduce stamp duty to boost the real estate market. Maharashtra temporarily reduced stamp duty by 3% in 2020-21, saving buyers lakhs. 3. Claim under Section 80C. Stamp duty and registration charges paid for a residential property are deductible under Section 80C (up to ₹1.5 lakh combined limit). This doesn't reduce stamp duty but reduces your income tax. 4. Buy in states with lower rates. Gujarat (4.9%) vs Kerala (8%) is a significant difference. If you're flexible on location, factor stamp duty into your total cost comparison. 5. Register at circle rate, not market rate. Stamp duty is charged on the higher of: (a) the actual transaction value, or (b) the government's circle/guidance rate for that area. If you're buying below circle rate, you still pay stamp duty on the circle rate.Stamp Duty on Different Transaction Types
| Transaction | Stamp Duty Applicable? |
|---|---|
| Property sale/purchase | Yes (full rate) |
| Gift deed (family) | Reduced rate in most states (2–3%) |
| Inheritance/will | Usually nil or nominal |
| Lease agreement | 0.5–2% (varies by tenure and state) |
| Power of attorney | Varies (₹100 to 5% depending on type) |
| Partnership deed | Fixed amount (₹500–₹5,000) |
How to Use the Calculator
- Open the CalcHub Stamp Duty Calculator
- Select your state
- Enter property value (or circle rate, whichever is higher)
- Select buyer gender (male/female/joint)
- See stamp duty amount, registration charges, and total
Can I pay stamp duty in installments?
Generally no — stamp duty must be paid in full at the time of registration. Some states allow online payment, which simplifies the process. The payment is typically via demand draft, pay order, or e-payment through the state's online portal.
What happens if I undervalue the property to pay less stamp duty?
The sub-registrar will assess the property at circle rate regardless. If the declared value is below circle rate, you'll pay stamp duty on circle rate. Additionally, the income tax department may treat the difference as income for the buyer under Section 56(2)(x).
Is stamp duty refundable if the deal falls through?
In most states, yes — partially. If the sale deed is cancelled and you apply within 6 months to 2 years (varies by state), you can get a refund minus a processing fee (typically 10% of stamp duty paid). The process is slow.
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