🏠 Property Registration Help — TAXAJ
Property registration, stamp duty planning, TDS on property, capital gains
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Fee Calculator
Stamp Duty + Registration + TDS — India 2026
Calculate the complete cost of property registration — stamp duty, registration fee, TDS on property purchase, and Section 80C tax saving. 21 states covered with 2026 rates, gender concessions, and property-type variations.
Property Registration Fee Calculator — Select State, Enter Details
Stamp duty is calculated on the higher of actual sale price or government circle rate. TDS at 1% applies if purchase price exceeds ₹50 lakh (Section 194IA). Registration fee is capped in most states.
TDS Alert — Section 194IA: If property purchase price or circle rate (whichever is higher) exceeds ₹50 lakh, the buyer must deduct 1% TDS and deposit via Form 26QB within 30 days of registration. Failure attracts 1.5%/month interest + penalty.
🏠 Property Registration Fee Calculator — India 2026
Stamp duty · Registration fee · TDS · Section 80C · Gender concessions · 21 states
| Component | Rate / Basis | Amount (₹) | Notes |
|---|
📌 TAXAJ helps with stamp duty planning, TDS on property (Form 26QB), Section 50C/56(2)(x) issues, registration assistance, and NRI property tax. Pan-India.
⚠️ Calculations are indicative based on 2026 standard state rates. Actual rates may vary by locality, sub-registrar, and government notifications. Always verify on your state's official IGRS portal.
💚 Quick Section 80C Tax Saving Estimate
Stamp duty + registration charges paid on a new residential property are deductible under Section 80C (max ₹1.5L/year, old regime only).
Stamp Duty & Registration Fee — All States India 2026
| State | Stamp Duty (Male) | Stamp Duty (Female) | Reg Fee | Reg Cap | Female Saving | Key Notes |
|---|---|---|---|---|---|---|
| 🏙️ Delhi | 6% | 4% | 1% | No cap | 2% | 20% circle rate rebate ended 31 Dec 2025. Full rates from Jan 2026. |
| 🌊 Maharashtra | 6% + 1% Metro Cess | 5% + 1% Metro Cess | 1% (cap ₹30K) | ₹30,000 | 1% | Mumbai only — metro cess 1% on stamp duty. Thane/Pune/Nagpur: 7%/6%. |
| 🌿 Karnataka | 2–5% (slab) | Same — no concession | 1% | No cap | None | Slab: ≤₹20L→2%, ₹20–45L→3%, >₹45L→5%. BBMP cess +0.5%. Reg revised Aug 2025. |
| 🌾 Uttar Pradesh | 7% | 6% | 1% (cap ₹30K) | ₹30,000 | 1% | Online registration at igrsup.gov.in. |
| 🏙️ Haryana | 7% urban / 5% rural | 5.5% urban / 3% rural | 1.5% | No cap | 1.5–2% | Higher reg fee at 1.5% vs most states' 1%. jamabandi.nic.in. |
| 🌴 Tamil Nadu | 7% | 7% — no concession | 4% | No cap | None | High reg fee 4%. Combined effective ~11%. tnreginet.gov.in. |
| 💎 Gujarat | 4.9% | 4.9% — no concession | 1% (cap ₹30K) | ₹30,000 | None | Uniform rate. Jantri circle rates at garvi.gujarat.gov.in. |
| 🌊 West Bengal | 6% urban / 5% rural | Same — no concession | 1% | No cap | None | wbregistration.gov.in. |
| 🌾 Punjab | 7% urban / 5% rural | 5% urban / 3% rural | 1% | No cap | 2% | Large female concession. lgpunjab.gov.in. |
| 🏜️ Rajasthan | 6% | 5% | 1% (cap ₹15K) | ₹15,000 | 1% | Lowest reg cap in India. epanjiyan.raj.nic.in. |
| 🌿 M.Pradesh | 7.5% | 7.5% | 1% (cap ₹25K) | ₹25,000 | None | Highest SD among major states. mpigr.gov.in. |
| 🌴 Telangana | 4% + 0.5% transfer | Same | 0.5% (cap ₹10K) | ₹10,000 | None | Lowest reg cap ₹10K. registration.telangana.gov.in. |
| 🌴 Andhra Pradesh | 5% | Same | 1% (cap ₹60K) | ₹60,000 | None | Highest reg cap ₹60K. registration.ap.gov.in. |
| 🌿 Kerala | 8% | Same | 2% (cap ₹40K) | ₹40,000 | None | High SD 8%. 2% reg fee (most states 1%). keralaregistration.gov.in. |
| 🌾 Bihar | 5.7% urban / 3% rural | 3% urban & rural | 2% | No cap | 2.7% | Large urban gender gap. 2% reg fee. biharbhumi.bihar.gov.in. |
| 🏔️ Jharkhand | 4% | Same | 3% | No cap | None | Low SD but high reg fee 3%. jharbhoomi.jharkhand.gov.in. |
| 🌊 Odisha | 5% | 4% | 2% | No cap | 1% | registration.odisha.gov.in. |
| 🌿 Chhattisgarh | 5% | 4% | 4% | No cap | 1% | High reg fee 4%. |
| 🏔️ Uttarakhand | 5% | 3.75% | 2% | No cap | 1.25% | devbhumi.uk.gov.in. |
| 🌴 Goa | 3.5% (≤₹50L) / 5% | Same | 1% | No cap | None | Lowest SD for affordable properties. igrsgoa.gov.in. |
| 🏔️ H.Pradesh | 5% | 4% | 1% | No cap | 1% | lrc.hp.nic.in. |
Note: Indicative 2026 rates. Actual rates vary by sub-district, property type, and government notifications. Always verify on official state IGRS portal.
Property Registration — 6 Things Every Buyer Must Know
📐 How Stamp Duty is Calculated
Stamp duty = applicable rate × taxable value. Taxable value = higher of (actual sale price) or (circle rate value). You cannot reduce stamp duty by undervaluing — registrars use circle rates as the floor. Karnataka uses a slab system (2%/3%/5%). Most states have flat rates per gender.
💰 Registration Fee — Separate Charge
Registration fee is charged for recording the deed in official records — separate from stamp duty. Most states charge 1% but Tamil Nadu charges 4%, Kerala 2%, Jharkhand 3%, Chhattisgarh 4%. Most states cap the fee (₹10K–₹60K). Both must be paid before the Sub-Registrar stamps the deed.
🔴 TDS on Property — Section 194IA
Property purchase of ₹50 lakh or more requires the buyer to deduct 1% TDS from payment. File Form 26QB online within 30 days of registration, issue Form 16B to seller within 15 days. Non-deduction: 1.5%/month interest + ₹1 lakh penalty. Applies even for NRI sellers.
💚 Section 80C — Tax Saving
Stamp duty + registration charges on a new residential property are deductible under Section 80C — up to ₹1.5 lakh in the year of payment. Old tax regime only. Each joint co-owner can claim individually in proportion to ownership. Cannot be combined beyond the total ₹1.5L 80C limit.
👩 Women Buyer Concessions
8+ states offer 1–3% lower stamp duty for female buyers: Delhi (2%), Punjab (2%), Haryana (1.5%), Bihar (2.7%), Maharashtra (1%), UP (1%), Rajasthan (1%), HP (1%). On a ₹75L property in Delhi — female buyer saves ₹1.5 lakh vs male. Joint registration with wife as first applicant qualifies.
⏱️ Deadlines & Penalties
Stamp duty must be paid before or at execution of the sale deed. Present the deed at Sub-Registrar within 4 months of execution (Reg Act Section 23). Late payment attracts 2% per month penalty in most states, up to 200% of the deficit. Pay via e-stamping on state IGRS portal.
Documents Required + Step-by-Step Registration Process
📋 Documents Required
- 📄Sale Deed (Draft) — prepared by lawyer on e-stamp paper, signed by buyer and seller
- 🪪PAN Card — mandatory for both buyer and seller (for TDS Section 194IA)
- 📱Aadhaar Card — buyer, seller, 2 witnesses. Biometric verification at Sub-Registrar
- 🏠Previous Sale Deed / Title Documents — all prior ownership deeds for title chain
- 🏗️Building Approval / Completion Certificate — from municipal authority
- 📐Encumbrance Certificate (EC) — from Sub-Registrar showing no pending mortgages
- 🧾Property Tax Receipts — latest paid receipts showing no outstanding dues
- 🏢Society NOC — No Objection Certificate from housing society (for apartments)
- 💰Form 26QB Challan — if property value >₹50L, file before registration
- 📸Passport Photos — 2 each of buyer, seller, and witnesses
🔄 Step-by-Step Registration
- 1️⃣Check Circle Rate & Calculate — Use this calculator, verify on state IGRS portal. SD on higher of sale price or circle rate.
- 2️⃣Pay TDS if applicable — If price >₹50L, file Form 26QB on incometax.gov.in and get challan BEFORE registration.
- 3️⃣Purchase E-Stamp Certificate — Pay stamp duty via SHCIL, state IGRS portal, or authorized bank. Get e-stamp UIN.
- 4️⃣Draft Sale Deed — Lawyer prepares deed referencing the e-stamp certificate. Both parties sign all pages.
- 5️⃣Book Sub-Registrar Appointment — Book online (most states) or walk-in. Buyer, seller, 2 witnesses must be present.
- 6️⃣Visit Sub-Registrar Office — Submit documents, pay registration fee (online/DD), give biometric verification.
- 7️⃣Deed Registered & Returned — Sub-Registrar stamps and returns deed within 1–7 days. Keep safely — this is your proof of ownership.
- 8️⃣Post-Registration Updates — Update property tax records, electricity/water connections, society records, home insurance within 30 days.
Property Registration — Frequently Asked Questions
Property Registration Help from TAXAJ
Stamp duty planning, TDS (Form 26QB), Section 50C/56(2)(x), registration assistance, NRI property tax — CA/advocate team. Pan-India.