Stamp Duty & Registration Charges Calculator (India)

How it works

Stamp duty = value × state rate (including cess, surcharge, metro cess or transfer duty, with women’s concessions where offered) · registration = state % of value (capped in Maharashtra at ₹30,000 and Punjab at ₹2 lakh; slab fee in Haryana) · value = higher of agreement value and circle rate · GST 5% (1% affordable) on under-construction agreement value

Stamp duty is a state levy on the sale deed, so the rate depends on where the property is. It runs from about 4.9% in Gujarat to 8% in Kerala. Some states add cesses or surcharges: Mumbai’s 1% metro cess, Karnataka’s 10% cess and 2% surcharge on the duty, Rajasthan’s 20% surcharge, and the 1.5% transfer duty in Telangana and Andhra Pradesh. Several states charge women buyers less to encourage property in their names. Delhi, Haryana, Punjab and Rajasthan cut the rate by 1–2 points, Maharashtra by 1 point, and Uttar Pradesh by 1% on homes up to ₹1 crore. Gujarat waives the registration fee for women, and Tamil Nadu cuts it by 1% on homes up to ₹10 lakh. The registration fee is usually 1% of the value, but it is 2% in Karnataka (since August 2025) and Kerala, 3% in Madhya Pradesh and 4% in Tamil Nadu. Maharashtra caps it at ₹30,000 and Punjab at ₹2 lakh, and Haryana charges a fixed fee by value slab. Duty is charged on the higher of the agreement value and the government’s circle (ready-reckoner or guideline) value. These costs are not covered by home loans and must be paid when the deed is registered, though they qualify for Section 80C (old regime) in the year you pay. The calculator also adds GST on under-construction homes and brokerage, shows the cash you need upfront, and compares the same purchase across 15 states and cities. Rates were compiled in October 2026 and can be replaced with your own.

Worked example

A ₹75 lakh flat in Mumbai for a male buyer: stamp duty 5% (₹3,75,000) + 1% metro cess (₹75,000) = ₹4,50,000, plus registration capped at ₹30,000, gives ₹4,80,000, or 6.4% of the price. Bought by a woman alone it is ₹4,05,000. The same flat in Bengaluru costs 5.6% duty (₹4,20,000) + 2% registration (₹1,50,000) = ₹5,70,000, and in Chennai 7% + 4% = ₹8,25,000.

Sources: Karnataka registration fee doubled to 2% from 31 August 2025 (King Stubb & Kasiva) · All India Radio — UP cabinet approves 1% stamp duty concession for women on property up to ₹1 crore (July 2025) · ClearTax — Stamp duty and registration charges in Tamil Nadu · ClearTax — Stamp duty and registration charges in Haryana

Frequently asked questions