How is stamp duty calculated on a property?

Stamp duty is calculated as a percentage of the total property value (agreement value) or the government ready reckoner/circle rate, whichever is higher. Percentages vary by state and sometimes by the gender of the owner.

Is stamp duty lower for female property owners in India?

Yes, many Indian states offer a concession to encourage female property ownership. For instance, Delhi offers a 2% concession, and UP/Haryana offer a 1% concession if the property is registered in a woman's name.

What is the difference between stamp duty and registration charges?

Stamp duty is a tax levied by the state government on the legal recognition of the property transaction (typically 4-7%). Registration charges are the fee paid to the sub-registrar for keeping a final record in government registers (typically 1%).

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🏠 Stamp Duty Calculator

Calculate exact property registration costs across Indian states

Buying a property? The total cost goes beyond just the property value. Use this tool to calculate out-of-pocket state-wise Stamp Duty, Registration Fees, and applicable gender concessions for real estate transactions in India.

Property Details

State / Union Territory

Property Value / Agreement Value (₹) Enter the higher of the Agreement Value or Government Circle Rate/Ready Reckoner Rate.

Ownership Type / Gender

Maharashtra Specifics: Include Metro/Transport Surcharge (1%) Applied in cities like Mumbai, Pune, Nagpur, Thane limits.

Total Cost Breakdown

Stamp Duty Charges

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Rate: 0%

Registration Fees

₹ 0

Rate: 0%

Total Out-of-Pocket Registration Cost

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Total Effective Property Price

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Cost Visualization

State-wise Stamp Duty Guide (India)

Stamp duty is a mandatory state tax you pay when buying a property. Paying this fee legally establishes your ownership in government records. Failing to pay correct stamp duty can render your property documents invalid in a court of law.

How to minimize stamp duty costs?

Register in a Woman's Name: Many states like Delhi, UP, Punjab, and Haryana offer a 1% to 2% discount if the primary owner is female, to promote female homeownership.
Joint Ownership: Registering the property jointly with your spouse can also fetch a partial discount in certain states compared to a sole-male registration.
Check Circle Rates: Stamp duty is paid on the Agreement Value OR the Government Circle/Guidance rate, whichever is higher. Always ensure your deal price is aligned correctly with local circle rates.

Standard Registration Fees

While stamp duty can range wildly from 4% to 7%, the registration fee (paid to the sub-registrar office) is usually locked at 1% of the property value across most states. Some states cap this number. For example, Maharashtra caps the registration fee at ₹30,000 for properties above ₹30 Lakhs.