Stamp Duty Calculator India
Calculate stamp duty and registration charges for property purchase in India across major states.
About this calculator
When you buy property in India you pay two charges on top of the price: stamp duty to the state government and a registration fee. Together they can add 5 to 9 percent to the cost of a home, which is a large amount to forget when budgeting. This calculator estimates both for ten major states.
Enter the property value, the state, the buyer's gender and the property type. The rates are indicative. Real stamp duty depends on the city, the property value, local cess, concessions for women and the circle rate set by the state. Treat the result as a planning figure and confirm it with the sub-registrar or the state's online registration portal before you pay.
How to use it
- Select the State.
- Choose Buyer Gender: male, female or joint. Many states give women a concession.
- Enter the Property Value. If the circle rate is higher than the sale price, use the circle rate.
- Choose Property Type: residential, commercial or agricultural.
- Press Calculate Charges for stamp duty, registration charges and total.
How the charges are calculated
Stamp duty = Property value × State rate and Registration = Property value × Registration rate, subject to a cap in some states. Maharashtra, for example, charges 5% stamp duty plus 1% registration capped at ₹30,000, and adds a 1% metro cess in cities like Mumbai and Pune. The value used is the higher of the agreement value and the government's circle or ready-reckoner rate.
Worked example
₹50,00,000 flat, Maharashtra, male buyer
| Property value | ₹50,00,000 |
| Stamp duty at 5% | ₹2,50,000 |
| Registration (1%, capped) | ₹30,000 |
| Total registration cost | ₹2,80,000 |
| As a share of property value | 5.6% |
The registration fee is capped at ₹30,000, so it looks small, but stamp duty is the larger charge. In Mumbai the additional 1% metro cess would add another ₹50,000.
Tips and common mistakes
- Add stamp duty and registration to your down payment budget. Banks do not usually finance them.
- Women buyers get a concession of 1 to 2 percentage points in several states, which can save lakhs on a large purchase.
- If the circle rate is above your sale price, stamp duty is charged on the circle rate.
- Stamp duty paid is deductible in the year of purchase under Section 80C in the old regime, within the ₹1.5 lakh limit.
- Pay through the state e-stamping or e-registration portal and keep the receipt.
Frequently asked questions
What is stamp duty?
A tax levied by the state government on the registration of property transfers. The rate depends on the state, the city and the buyer.
Is registration fee separate from stamp duty?
Yes. Registration is a separate fee for recording the document, usually 1% of value with a cap in some states.
Do women pay less stamp duty?
Many states charge women 1 to 2 percentage points less, or allow a reduced rate for joint ownership. Rules vary by state.
Can I deduct stamp duty from tax?
Stamp duty and registration charges can be claimed under Section 80C in the year of purchase in the old regime, within the overall limit.
What is the circle rate?
The minimum value per square foot that the state assigns to an area. Stamp duty is charged on the higher of the circle value and the agreement value.
How accurate is this calculator?
It gives an indicative figure. Rates change often, so confirm with the sub-registrar or the state portal.