Stamp duty and registration charges are usually the biggest add-on cost when you buy property in India \u2014 typically 4% to 8% of the property value depending on the state. Rates vary widely, women buyers get a concession in most states, and the whole amount can qualify for a Section 80C deduction. Here is the state-wise picture for 2025-26.<\/p>\n
To calculate your exact stamp duty and registration for any state, use our stamp duty calculator<\/a>.<\/p>\n Stamp duty is charged on the higher of your transaction value or the government circle rate<\/strong> (ready reckoner in Maharashtra, guidance value in Karnataka). If you buy below the circle rate, the duty is still charged on the circle rate \u2014 see our circle rate calculator<\/a> to check the government value for your area.<\/p>\n Most states charge women buyers 1\u20132% less \u2014 Delhi saves 2% (4% vs 6%), Haryana and Punjab save 2%, and Maharashtra, UP, Rajasthan and Gujarat save 1%. On a \u20b975 lakh property a 2% saving is \u20b91.5 lakh. Joint ownership with the woman as first holder usually qualifies too.<\/p>\n Stamp duty and registration on a residential property are deductible under Section 80C, up to \u20b91.5 lakh, in the year of payment \u2014 under the old tax regime only. That can save up to about \u20b946,800 in tax at the 30% bracket.<\/p>\n TAXAJ handles stamp duty planning, property registration and Section 80C documentation across all states. Start with the stamp duty calculator<\/a> and the circle rate calculator<\/a>.<\/p>\n On whichever is higher \u2014 the actual transaction value or the government circle rate for that locality.<\/p>\n Usually 1\u20132% depending on the state \u2014 for example 4% versus 6% in Delhi, saving \u20b92 lakh on a \u20b91 crore property.<\/p>\n Yes, stamp duty and registration on a residential house are deductible under Section 80C up to \u20b91.5 lakh in the year of payment, under the old tax regime.<\/p>\n TAXAJ handles property registration and stamp duty planning across India. Estimate stamp duty<\/a> or check circle rate<\/a>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" State-wise stamp duty and registration charges for 2025-26, women-buyer concessions, the Section 80C benefit and how the duty is calculated.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-1003","post","type-post","status-publish","format-standard","hentry","category-legal-ipr"],"_links":{"self":[{"href":"https:\/\/www.taxaj.com/learn\/wp-json\/wp\/v2\/posts\/1003","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.taxaj.com/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.taxaj.com/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.taxaj.com/learn\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.taxaj.com/learn\/wp-json\/wp\/v2\/comments?post=1003"}],"version-history":[{"count":1,"href":"https:\/\/www.taxaj.com/learn\/wp-json\/wp\/v2\/posts\/1003\/revisions"}],"predecessor-version":[{"id":1006,"href":"https:\/\/www.taxaj.com/learn\/wp-json\/wp\/v2\/posts\/1003\/revisions\/1006"}],"wp:attachment":[{"href":"https:\/\/www.taxaj.com/learn\/wp-json\/wp\/v2\/media?parent=1003"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.taxaj.com/learn\/wp-json\/wp\/v2\/categories?post=1003"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.taxaj.com/learn\/wp-json\/wp\/v2\/tags?post=1003"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}How stamp duty is calculated<\/h2>\n
State-wise stamp duty (residential sale deed)<\/h2>\n
\n
Women buyer concession<\/h2>\n
Section 80C deduction<\/h2>\n
How TAXAJ helps<\/h2>\n
Frequently asked questions<\/h2>\n
Is stamp duty calculated on market value or circle rate?<\/h3>\n
How much do women buyers save on stamp duty?<\/h3>\n
Can stamp duty be claimed under Section 80C?<\/h3>\n
\n