ganak.appStamp Duty Calculator India
Calculate stamp duty and registration charges for property purchases across all 28 Indian states and 8 union territories. Includes gender-based concessions for women buyers, property type variations (residential, commercial, agricultural), metro cess, and state-by-state comparison. Updated with current rates for 2025-26.
Metro: Mumbai, Pune, Nagpur, Thane
How Stamp Duty Works in India
Understanding stamp duty and registration charges on property purchases
Stamp duty is a state government tax paid when you purchase or transfer property. It's calculated as a percentage of the property's market value or agreement value, whichever is higher.
Stamp Duty = Property Value x State RateRegistration charges are paid to the Sub-Registrar when registering the property deed. This is separate from stamp duty and varies from 0.5% to 4% depending on the state.
Registration = Value x Rate (capped in some states)State-wise Stamp Duty Rates 2025-26
Key stamp duty and registration rates across major Indian states
| State | Male | Female | Registration | Total (M) |
|---|---|---|---|---|
| Maharashtra | 6% | 5% | 1% | 7-8% |
| Delhi | 6% | 4% | 1% | 7% |
| Karnataka | 5% | 5% | 1% | 7% |
| Tamil Nadu | 7% | 7% | 4% | 11% |
| Uttar Pradesh | 7% | 6% | 1% | 8% |
| Rajasthan | 6% | 5% | 1% | 7% |
| Gujarat | 4.9% | 4.9% | 1% | 5.9% |
| Telangana | 4% | 4% | 0.5% | 4.5% |
| Kerala | 8% | 8% | 2% | 10% |
| West Bengal | 7% | 7% | 1% | 8% |
Use the calculator above to check rates for all 28 states and 8 union territories. Rates shown are for residential property.
Women Buyer Stamp Duty Concessions
States offering lower stamp duty rates for women property buyers
Women pay 4% vs 6% for men — a 2% savings. Joint ownership (male+female) attracts 5% rate.
Women pay 5% vs 7% for men — the largest 2% concession among major states.
Women pay 5% vs 6% for men — 1% concession on all property types.
Women pay 6% vs 7% for men — 1% savings applicable across the state.
Women pay 5% vs 7% for men — 2% concession, one of the most generous.
Women pay 3.75% vs 5% for men — a 25% reduction in stamp duty rate.
Women pay 5% vs 6% in Mumbai/metro areas — 1% concession with metro cess additional.
Women pay 4% vs 6% for men — 2% concession in the union territory.
Common Stamp Duty Mistakes in India
Avoid these costly errors when buying property
Stamp duty is charged on the higher of agreement value or circle rate (government-set minimum). Even if you negotiate a lower price, you may pay duty on the higher circle rate.
In states like Delhi, Haryana, and Rajasthan, registering property in a woman's name saves 1-2% stamp duty — potentially lakhs on high-value properties.
Registration charges (0.5-4%) are separate from stamp duty. In Tamil Nadu, registration alone is 4%, making the total cost 11% — the highest in India.
Stamp duty and registration charges paid on purchase of a new residential property are eligible for deduction under Section 80C, up to ₹1.5 lakh per year.
Frequently Asked Questions
Common questions about stamp duty and registration charges in India
Embed Stamp Duty Calculator India
Add this calculator to your website or blog for free.