🏠 Property & Stamp Duty Consultation
TAXAJ CA/legal team for property registration, stamp duty, and property tax queries
🔒 CA calls back within 2 hours.
Property Stamp Duty &
Registration Charges Calculator
All 28 States · City-Wise · Male / Female / Joint
Free stamp duty and property registration charge calculator for India 2025-26. Select your state, property value, buyer gender, and property type to instantly compute stamp duty, registration fee, total charges, women buyer savings, and Section 80C deduction benefit. Updated for all major states including Maharashtra, Delhi, Karnataka, UP, Gujarat, Goa.
Property Stamp Duty & Registration Fee Calculator
Select your state and enter property details. Stamp duty is calculated on the higher of market value or circle rate/ready reckoner value. Women buyers save 1–2% in most states. Registration fee is typically 1% of property value (capped in many states).
🏠 Stamp Duty & Registration Charges Calculator — India 2025-26
Updated state-wise rates · Gender concessions · Circle rate guidance · Section 80C deduction
| Charge | Rate / Basis | Amount (₹) | Notes |
|---|
📌 TAXAJ's legal team assists with property registration, stamp duty planning, gift deed registration, and Section 80C documentation. Verify exact rates with your Sub-Registrar before payment.
⚠️ Indicative rates based on FY 2025-26 data. Stamp duty rates vary by property area, colony type, land use, and are subject to change via state government notifications. Always verify with your state's IGRS / Sub-Registrar office before making payments. TAXAJ is not liable for rate changes after publication.
Stamp Duty & Registration Charges — All Major States India 2025-26
Quick reference for stamp duty rates and registration charges across major Indian states. Rates shown for residential sale deed. Verify with state IGRS portal before registration.
| State | Male Buyer | Female Buyer | Joint (M+F) | Registration Fee | Other Charges | Official Portal |
|---|---|---|---|---|---|---|
| 🏙️ Delhi | 6% | 4%Save 2% | 5% | 1% (no cap stated) | ₹100 pasting charge | revenue.delhi.gov.in |
| 🏙️ Mumbai | 6% | 5%Save 1% | 5% | 1% (capped ₹30,000) | 0.1% metro cess + LBT | igrmaharashtra.gov.in |
| 🏙️ Pune / Thane / Nagpur | 7% | 6%Save 1% | 6% | 1% (capped ₹30,000) | Local body tax varies | igrmaharashtra.gov.in |
| 🌿 Karnataka (above ₹45L) | 5% | 5% No concession | 5% | 1% + 0.1% cess | 2% surcharge urban | karigr.karnataka.gov.in |
| 🌿 Karnataka (≤₹20L) | 2% | 2% | 2% | 1% + 0.1% cess | Slab: 2%/3%/5% based on value | karigr.karnataka.gov.in |
| 🌾 Uttar Pradesh (urban) | 7% | 6%Save 1% | 6.5% | 1% (capped ₹30,000) | +0.5% surcharge in some areas | igrsup.gov.in |
| 🌾 Haryana (urban) | 7% | 5%Save 2% | 6% | 1% (capped ₹25,000) | Municipal surcharge varies | jamabandi.nic.in |
| 💎 Gujarat (urban) | 4.9% | 3.9%Save 1% | 4.4% | 1% (capped ₹30,000) | 3% surcharge in some cities | garvi.gujarat.gov.in |
| 🏜️ Rajasthan (urban) | 6% | 5%Save 1% | 5.5% | 1% (capped ₹15,000) | Panchayat surcharge in rural | epanjiyan.raj.nic.in |
| 🌊 West Bengal | 6% | 4%Save 2% | 5% | 1% (capped ₹40,000) | Urban surcharge 1% | wbregistration.gov.in |
| 🌴 Tamil Nadu | 7% | 7% No concession | 7% | 4% (high — verify) | ₹20 + variable surcharge | tnreginet.gov.in |
| 🌴 Telangana | 4% | 4% No concession | 4% | 0.5% (verify) | Transfer duty 1.5% | registration.telangana.gov.in |
| 🌴 Andhra Pradesh | 5% | 5% No concession | 5% | 1% (capped ₹60,000) | Transfer duty 1.5% | registration.ap.gov.in |
| 🌊 Kerala | 8% | 6%Save 2% | 7% | 2% (capped ₹40,000) | Local body surcharge 1% | keralaregistration.gov.in |
| 🌾 Punjab | 7% | 5%Save 2% | 6% | 1% (verify cap) | Registration is 1% | lgpunjab.gov.in |
| 🌿 Madhya Pradesh | 7.5% | 5.5%Save 2% | 6.5% | 1% (capped ₹25,000) | Lower rural rates | mpigr.gov.in |
| 🏖️ Goa | 3.5% | 3%Save 0.5% | 3.25% | 1% (capped ₹30,000) | Value-based slabs apply | goa.gov.in |
| 🌾 Bihar | 6% | 5.7%Save 0.3% | 6% | 2% (verify) | Lower for agricultural land | biharbhumi.bihar.gov.in |
| 🌊 Odisha | 5% | 4%Save 1% | 4.5% | 1% (capped ₹25,000) | — | registration.odisha.gov.in |
| 🌾 Chhattisgarh | 5% | 4%Save 1% | 4.5% | 4% (high — verify) | — | cgregistration.nic.in |
| 🏔️ Uttarakhand | 5% | 3.75%Save 1.25% | 4.5% | 2% (verify) | — | registration.uk.gov.in |
| 🌿 Assam | 8% | 6%Save 2% | 7% | 1% | Lower in tribal/rural areas | revenueassam.nic.in |
| 🏔️ Himachal Pradesh | 6% | 4%Save 2% | 5% | 1% | 8% on value >₹80L | himachalpr.gov.in |
⚠️ Rates are indicative as of FY 2025-26 and subject to state government revisions. Always verify with the official IGRS portal of your state before making stamp duty payments. Circle rate and property type may impact the final rate.
Stamp Duty — Everything You Need to Know
📊 Circle Rate vs Market Value
Stamp duty is paid on the higher of transaction value or circle rate (called ready reckoner in Maharashtra, guidance value in Karnataka, collector rate elsewhere). If you buy at ₹45L but circle rate is ₹50L — you pay stamp duty on ₹50L. Always check the circle rate for your locality before budgeting.
👩 Women Buyer Concession
15+ states offer 1–2% lower stamp duty for female buyers. Delhi: saves 2% (4% vs 6%). Punjab: saves 2% (5% vs 7%). Maharashtra, UP, Karnataka, Haryana: save 1%. On a ₹50L property, a 2% saving = ₹1 lakh. Joint ownership with woman as first owner also qualifies in most states.
💰 Section 80C Deduction
Stamp duty and registration charges paid for a residential property are deductible under Section 80C up to ₹1.5 lakh in the year of payment. On ₹1.5L deduction at 30% tax bracket → saves ₹46,800 in income tax. Only under old tax regime. Commercial properties not eligible.
🎁 Gift Deed Rates
Gift deeds to close relatives (parents, spouse, children, siblings) attract lower stamp duty in most states — often 0.5%–2% vs 5%–7% for sale. Karnataka: 0.5% for family gifts. Maharashtra: ₹200 flat for blood relatives. Delhi: 4%/6% same as sale. Always cheaper than sale deed for family transfers.
⚠️ Late Payment Penalty
Stamp duty must be paid before or at the time of property registration. Late payment attracts 2% monthly penalty in most states (Maharashtra). Tamil Nadu imposes 25% penalty for delays exceeding 6 months. Some states can cancel registration. Budget and pay on time — never add stamp duty to your home loan.
🏠 What Stamp Duty Covers
Stamp duty applies to: Sale deeds (most common); Gift deeds; Lease deeds (depends on lease term); Mortgage deeds; Partition deeds; Exchange deeds; Development agreements. Lease agreements under 12 months typically don't attract stamp duty in most states. 11-month rent agreements are most common to avoid stamp duty.
💡 5 Smart Ways to Save on Stamp Duty
Stamp Duty & Registration — Frequently Asked Questions
Property & Tax Services at TAXAJ
📱 Follow @taxajca on Instagram
Property tax tips, stamp duty savings, NRI property rules, Section 80C deductions — weekly Hinglish reels for property buyers and investors.
📷 Follow @taxajcaProperty & Stamp Duty Help from TAXAJ
TAXAJ provides stamp duty planning, property registration assistance, gift deed drafting, NRI property services, and Section 80C deduction claims. Pan-India coverage across Delhi, Bangalore, Goa, Bihar, and all major states.
