Updated July 2026
Property & Home Buying
Buying a home requires careful cash flow planning. Key decisions involve checking total acquisition costs (including stamp duty, registration, and local cess), evaluating down payment savings, and planning the home loan budget.
Featured Calculators
Recommended Journey
- 1
Calculate government charges
Use the stamp duty calculator to see the exact stamp duty, registration fees, and municipal surcharges for your state and city.
- 2
Determine total cash required
Sum up your down payment share and the calculated government charges to know the exact total cash you need upfront before taking a loan.
- 3
Plan your home loan EMI
Go to the EMI calculator to check the monthly payments for the remaining loan amount and see how it fits your salary budget.
Frequently Asked Questions
How much should I keep aside for down payment?
Banks in India typically fund 75% to 85% of the property agreement value. You must fund the remaining 15% to 25% yourself, plus all additional costs such as stamp duty, registration fees, GST, legal fees, and brokerage. Plan to save at least 25% to 30% of the total property cost before committing.
Are stamp duty and registration fees tax-deductible?
Under the old tax regime, individual buyers can claim a deduction under Section 80C for stamp duty and registration fees paid during the purchase of a residential house, up to the overall limit of ₹1.5 lakhs. This benefit is not available under the new regime.
Related planning areas: