Stamp Duty Calculator
Buying a property? Find out exactly how much you'll pay in stamp duty and registration — with gender-based discounts across 20 Indian states.
₹3.50 L
Effective rate: 7% of property value
₹3.00 L
₹50,000
₹53.50 L
Property (₹50.00 L) + Charges (₹3.50 L)
What is Stamp Duty?
Stamp duty is a state government tax paid during property registration to legally transfer ownership. Along with registration charges, it forms a significant part of your property acquisition cost — typically 5-10% of the property value depending on state and buyer profile.
State-Wise Stamp Duty Rates (2026)
Stamp duty rates vary significantly across states. Here's a quick reference:
| State | Male | Female | Registration |
|---|---|---|---|
| Maharashtra | 6% | 5% | 1% |
| Delhi | 6% | 4% | 1% |
| Karnataka | 5% | 5% | 1% |
| Tamil Nadu | 7% | 7% | 4% |
| Uttar Pradesh | 7% | 6% | 1% |
| Gujarat | 4.9% | 3.9% | 1% / 0%* |
| Kerala | 8% | 8% | 2% |
| Goa | 3.5%+ | 3.5%+ | 3%+ |
* Gujarat: 1% registration for male buyers, 0% registration for female buyers. + Goa uses tiered rates by property value: stamp duty 3.5–5%, registration 3–3.5%.
Why Women Should Buy Property
Multiple states offer 1-3% lower stamp duty for female buyers. On a ₹1 crore property, this translates to savings of ₹1-3 lakh. States like Delhi (4% vs 6%), Rajasthan (5% vs 6%), and Haryana (5% vs 7%) have significant gender-based discounts. This is one reason financial advisors recommend registering property in the wife's name.
Hidden Costs Beyond Stamp Duty
When budgeting for property purchase, account for these additional costs:
- GST: 5% on under-construction property (no input credit), 1% for affordable housing
- Brokerage: 1-2% of property value (negotiable)
- Legal fees: ₹10,000-₹50,000 for documentation
- Home loan processing: 0.25-1% of loan amount
- Maintenance deposit: Often 12-24 months advance
Tax Benefits on Stamp Duty
Under Section 80C, stamp duty and registration charges paid on purchase of a residential house property can be claimed as deduction up to ₹1.5 lakh (shared with other 80C investments). This deduction is available only in the year of payment and only for residential properties.
How to Use This Calculator
- Enter the property value (agreement value or circle rate, whichever is higher)
- Select your state from the dropdown
- Choose the buyer type — Male, Female, or Joint ownership
- See the stamp duty, registration charges, and total acquisition cost
State-Wise Stamp Duty Rates
Click a state for detailed rates, examples, and FAQs
6% male · 1% registration
6% male · 1% registration
5% male · 1% registration
7% male · 1% registration
7% male · 1% registration
6% male · 1% registration
4.9% male · 1% registration
7% male · 1% registration
5% male · 0.5% registration
6% male · 0.5% registration
8% male · 2% registration
7.5% male · 3% registration
7% male · 1% registration
7% male · 1% registration
6.5% male · 2% registration
5% male · 1% registration
3.5% male · 1% registration
4% male · 3% registration
5% male · 1% registration
5% male · 2% registration