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Calculate state-wise stamp duty, registration fees, and total property registration cost. Includes women concession discounts and comparison across all Indian states.
Market value or agreement value, whichever is higher
Many states offer reduced stamp duty rates for women buyers.
Stamp Duty
₹2,50,000
5.00% of property value
Registration Fee
₹50,000
1.00% of property value
Total Cost
₹3,00,000
Stamp Duty + Registration
Effective Rate
₹6
Total cost as % of value
| Component | Rate | Amount |
|---|---|---|
| Stamp Duty (Male) | 5.00% | ₹2,50,000 |
| Registration Fee | 1.00% | ₹50,000 |
| Total Payable | 6.00% | ₹3,00,000 |
Stamp Duty is a legal tax payable to the state government when you buy or transfer property. It validates the property transaction and makes the sale deed legally enforceable. The amount is calculated as a percentage of the property's market value or agreement value, whichever is higher.
Registration Fee is a separate charge paid to the Sub-Registrar's office to officially record the property transaction in government records. This fee is typically 1% of the property value in most states, though some states charge slightly more or less.
Together, stamp duty and registration form a significant portion of your property purchase cost—often ranging from 5% to 10% of the property value depending on the state. These charges are over and above the property price and must be paid in full before the property can be legally registered in your name.
In India, stamp duty is a state subject, which means each state and union territory sets its own rates. This leads to significant variations across the country. For example, Goa has one of the lowest combined rates at around 4.5%, while states like Punjab and Kerala can charge up to 10% when including registration fees.
Most states calculate stamp duty based on the ready reckoner rate (also called circle rate or guidance value), which is the minimum value at which a property can be registered. Even if you purchase a property below this rate, stamp duty will be calculated on the ready reckoner value.
Lowest (Goa)
Average (Most States)
Highest (Punjab + Registration)
To promote property ownership among women, several Indian states offer reduced stamp duty rates when the property is registered in a woman's name—either solely or as a joint owner. This concession can result in savings of ₹50,000 to ₹3,00,000 or more on high-value properties.
Some states require the woman to be an absolute owner to avail the benefit, while others allow joint ownership. Always check the specific conditions in your state before planning the purchase.
The primary legal document evidencing the sale/transfer of property
Shows the property is free from legal and monetary liabilities for the last 15–30 years
Proof that all property taxes have been paid up to date
Aadhaar card, PAN card, passport, or voter ID of all parties
Recent passport-size photos of buyer(s) and seller(s)
No Objection Certificate from housing society, builder, or relevant authority
Required if someone is representing the buyer or seller
Approved layout plan from the municipal corporation (for apartments)
Ready reckoner rates revised upward by 8-10% in major municipal corporations. Stamp duty remains at 5% (male) and 4% (female). Registration fee at 1%.
Continued 3% women concession (5% → 2%) maintained. Registration charges remain at 1%. Guidance values updated in select urban areas.
Circle rates saw marginal increases in select property categories. Stamp duty at 6% (male) and 4% (female). Registration fee at 1%.
Registration charges reduced from 1% to 0.5% to boost real estate. Stamp duty maintained at 5% for all buyers.
In India, the buyer is responsible for paying stamp duty and registration fees. The seller typically bears the cost of clearing any pending property taxes and obtaining necessary clearances.
Yes, under Section 80C of the Income Tax Act, you can claim a deduction for stamp duty and registration charges up to ₹1.5 lakh in the year of property purchase. This is within the overall Section 80C limit.
Under-valuation is illegal and risky. The Sub-Registrar will calculate duty based on the ready reckoner/circle rate, whichever is higher. Under-valuation can lead to penalties, prosecution, and difficulty selling the property later.
No, GST is not applicable on stamp duty or registration fees. However, GST may apply to the construction cost if you are buying an under-construction property from a developer.
For joint ownership, stamp duty is typically calculated on the total property value. Some states offer women concessions if a female is one of the joint owners, but the exact rules vary by state.
Yes, most states now offer e-stamping and online payment facilities through government portals like SHCIL (Stock Holding Corporation of India) or state-specific e-registration websites. Online payment is mandatory in many states.
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