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Stamp Duty & Registration Calculator

Instantly calculate government stamp duty and property registration charges across major Indian states.

Property Details Interactive

Many states like Delhi, UP, and Haryana offer a 1-2% stamp duty discount if the property is registered in a woman's name.

Cost Saving Tips

  • Register the property in a female family member's name (or jointly) to save up to 2% in stamp duty in major states.
  • Always pay the stamp duty on the actual transaction value or the circle rate, whichever is higher.

Stamp Duty and Property Registration Charges in India

Whenever you purchase a property—whether it is an apartment, an independent house, or a plot of land—the transaction is not legally complete until you pay the **Stamp Duty** and **Registration Charges** to the state government. These taxes add a significant amount to your total budget and must be paid out-of-pocket, as home loans rarely cover them.

How is Stamp Duty Calculated?

Stamp duty is calculated as a percentage of the total property value. However, the government will charge stamp duty on the **Agreement Value** or the **Circle Rate (Ready Reckoner Rate)**, whichever is higher.

  • Agreement Value: The actual price you are paying the seller.
  • Circle Rate: The minimum property valuation set by the state government for that specific area.

If you are buying a flat for ₹50 Lakhs, but the government's circle rate for that area says the property is worth ₹60 Lakhs, you will have to pay stamp duty on ₹60 Lakhs.

State-Wise Stamp Duty Rates (2026)

Stamp duty rates vary heavily by state, and many states offer a 1% to 2% discount if the property is registered in a woman's name to promote female homeownership.

  • Maharashtra (Mumbai, Pune): 6% to 7% + 1% Registration (1% discount for women)
  • Karnataka (Bangalore): 5.1% + 1% Registration
  • Delhi: 6% (Men), 4% (Women), 5% (Joint) + 1% Registration
  • Uttar Pradesh (Noida): 7% (Men), 6% (Women) + 1% Registration
  • Tamil Nadu (Chennai): 7% + 4% Registration

How to Save Money on Stamp Duty?

  1. Register in a Woman's Name: As seen above, registering the property in the name of your wife or mother can instantly save you tens of thousands of rupees in Delhi, Haryana, UP, and Maharashtra.
  2. Joint Ownership: If sole ownership isn't preferred, joint ownership (Male + Female) usually offers a partial discount.
  3. Affordable Housing Benefits: Certain states offer lowered stamp duty rates for properties classified under affordable housing (usually below ₹45 Lakhs).