Updated June 2026

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.

₹
Allowed range: ₹5,00,000 to ₹10,00,00,000. Values outside this range are adjusted to the nearest limit.
Buyer
Stamp Duty
Registration
Total Charges

₹3.30 L

Effective rate: 6.6% of property value

Stamp Duty (6%)

₹3.00 L

Registration (1%): capped

₹30,000

Total Cost of Property

₹53.30 L

Your nominal property price of ₹50.00 L increases to a total acquisition cost of ₹53.30 L after adding stamp duty and registration fees. That's +₹3.30 L (6.6% extra) over the agreement price.

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
Maharashtra6%5%1%
Delhi6%4%1%
Karnataka5%5%1%
Tamil Nadu7%7%4%
Uttar Pradesh7%6%1%
Gujarat4.9%3.9%1% / 0%*
Kerala8%8%2%
Goa3.5%+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

  1. Enter the property value (agreement value or circle rate, whichever is higher)
  2. Select your state from the dropdown
  3. Choose the buyer type: Male, Female, or Joint ownership
  4. See the stamp duty, registration charges, and total acquisition cost

Frequently Asked Questions

What is stamp duty?
Stamp duty is a tax levied by state governments on property transactions. It is paid to legally register the transfer of property ownership. The rate varies by state, property value, buyer gender, and sometimes property type (residential/commercial).
Who pays stamp duty: buyer or seller?
The buyer pays stamp duty and registration charges in India. These are one-time costs paid at the time of property registration. The seller does not bear these costs unless specifically agreed in the sale agreement.
Are stamp duty rates different for men and women?
Yes, several states offer reduced stamp duty for female buyers. For example, Delhi charges 4% for women vs 6% for men, Rajasthan charges 5% vs 6%, and Haryana charges 5% vs 7%. This incentivizes property ownership by women.
Can I claim stamp duty as tax deduction?
Yes, stamp duty and registration charges paid on a residential property can be claimed under Section 80C of the Income Tax Act, subject to the overall ₹1.5 lakh limit. This applies only in the year of payment.
What is the difference between stamp duty and registration charges?
Stamp duty is a state tax on the transaction (usually 4-8% of property value). Registration charges are a separate fee paid to the sub-registrar office for recording the transaction (usually 1-2%). Both are mandatory for legal ownership transfer.
Is stamp duty calculated on agreement value or market value?
Stamp duty is calculated on the higher of the two: agreement value (actual sale price) or the government-determined circle rate (ready reckoner value). You cannot pay stamp duty on a lower value to save tax.
What happens if I don't pay stamp duty?
An unregistered property document has no legal validity in court. You cannot prove ownership, get a home loan, sell the property, or claim insurance without proper registration. Delayed payment attracts a penalty of 2% per month.
Are there any stamp duty exemptions?
Some states offer exemptions or reductions for: first-time buyers, properties under a certain value, women buyers, agricultural land transfers within family, and property transfers due to inheritance. Check your state's specific rules.

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State-Wise Stamp Duty Rates

Maharashtra

6% male, 5% female

 Delhi

6% male, 4% female

 Karnataka

5% male, 5% female

 Tamil Nadu

7% male, 7% female

 Uttar Pradesh

7% male, 6% female

 Rajasthan

6% male, 5% female

 Gujarat

4.9% male, 3.9% female

 West Bengal

6% male, 6% female

 Andhra Pradesh

5% male, 5% female

 Telangana

5.5% male, 5.5% female

 Kerala

8% male, 8% female

 Madhya Pradesh

7.5% male, 7.5% female

 Haryana

7% male, 5% female

 Punjab

7% male, 5% female

 Bihar

6.5% male, 5.5% female

 Odisha

5% male, 4% female

 Goa

3.5% male, 3.5% female

 Jharkhand

4% male, 4% female

 Chhattisgarh

5% male, 5% female

 Uttarakhand

5% male, 3.75% female