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Stamp Duty Calculator
India 2025-26 · All States
Calculate exact stamp duty for your rent / leave & license agreement across all Indian states. Enter monthly rent, security deposit, and agreement period — get stamp duty, registration charges, e-stamping requirement, and whether registration is mandatory. Covers 15 major states including Maharashtra, Delhi, Karnataka, UP, Haryana, Tamil Nadu, Gujarat, and more.
Rent Agreement Stamp Duty Calculator — Select State & Enter Details
Select your state and enter your rent details. Stamp duty is calculated on the total rent for the agreement period plus security deposit (where applicable per state rules). Formula varies by state — Maharashtra includes 10% notional interest on refundable deposit; Karnataka charges on annual rent; UP has flat fees.
New Rule from July 1, 2025: Physical stamp paper for rental agreements is being phased out. Digital e-stamping is now mandatory for all new rent agreements across India. Failure to use digitally stamped agreements attracts a ₹5,000 penalty. Use e-stamping through SHCIL portal, authorized banks, or online platforms like NeSL. Maharashtra's IGR portal offers end-to-end online Leave & License e-registration.
📄 Rent Agreement Stamp Duty Calculator — India 2025-26
Residential & commercial · 11-month to 5+ year agreements · State-wise formula-based calculation
| Component | Formula | Amount (₹) | Notes |
|---|
📌 TAXAJ drafts legally valid rent agreements with correct e-stamp for all states. Delivered in 24 hours. Advocate-verified. Covers 11-month, long-term, commercial, and Leave & License agreements.
⚠️ Calculations are based on standard state formulas and may vary for specific agreement types, locations, or government updates. Always verify with your Sub-Registrar or an advocate before finalizing stamp duty payment.
Rent Agreement Stamp Duty — All States India 2025-26
Complete state-wise stamp duty rates for residential rent agreements. Commercial rates may differ. Registration mandatory for all agreements exceeding 11 months (Registration Act 1908, Section 17). E-stamping mandatory from July 1, 2025.
| State | Stamp Duty Formula | 11-Month Stamp Duty | Registration Fee | 11-Month Registration | Key Notes |
|---|---|---|---|---|---|
| 🌊 Maharashtra | 0.25% × (Total Rent + Non-Refundable Deposit + 10% p.a. × Refundable Deposit) | 0.25% of consideration · Min ₹100 | ₹1,000 (urban) · ₹500 (rural) | Mandatory (all periods) | Section 55 MRC Act 1999 mandates registration for all L&L agreements regardless of duration. 0.50% for 5–10 yr, 1% for 10+ yr. IGR portal for online registration. |
| 🏙️ Delhi | 11-month: ₹100 flat. >11 months: 2% of average annual rent × years | ₹100 flat (e-stamp paper) | ₹1,100/year of agreement | Optional (recommended) | Most Delhi agreements are 11-month with notarization only. Registered agreements carry much stronger weight in court. Security deposit not included in formula. |
| 🌿 Karnataka | Short term (≤11 mo): ₹200 flat. >11 months: 1% of average annual rent | ₹200 flat | ₹500 | Optional (recommended) | Digital e-stamp rules notified 2025 — all stamping via Kaveri portal. Registration mandatory only for >12 months. Karnataka Digital e-Stamp Rules 2025 in effect. |
| 🌾 Uttar Pradesh | ≤5 years: ₹500 flat (residential). >5 years: percentage-based | ₹100–₹200 (varies by rent) | ₹150 | Optional | UP adopted Model Tenancy Act in 2021. IGRSUP portal for online payment. Low stamp duty is a key advantage for renters in UP. |
| 🏙️ Haryana | 2% of average annual rent | 2% × (monthly rent × 12) | ₹1,000–₹2,000 | Optional (recommended) | Moderate stamp duty. Gurgaon agreements increasingly registered for legal protection. Check jamabandi.nic.in for exact rates. |
| 🌴 Tamil Nadu | 1% of (average annual rent + deposit) for all durations | 1% × (rent × 12 + deposit) | ₹500 · Max ₹20,000 | Optional (recommended) | High stamp duty relative to other states. No tiered rates — 1% applies regardless of duration. TNREGINET portal for registration. |
| 💎 Gujarat | 1.7% of average annual rent + 1% of deposit | 1.7% × (rent × 12) | ₹1,000 | Optional | GARVI portal. Gujarat Stamp Amendment Bill 2025 clarifies e-payment methods. Bombay Stamp Act applies. |
| 🌊 West Bengal | 0.1% of total rent + deposit · Min ₹100 | 0.1% of consideration | ₹500–₹1,000 | Optional | One of lowest stamp duty states. wbregistration.gov.in for online registration. |
| 🌾 Punjab | 1% of average annual rent | 1% × (rent × 12) · Min ₹100 | ₹1,000 | Optional | Similar to Haryana. lgpunjab.gov.in for verification. |
| 🌿 Madhya Pradesh | ≤5 yr: 0.1% of (annual rent + deposit). 5–10 yr: 0.5%. >10 yr: 1%+ | 0.1% of consideration · Min ₹50 | ₹500 | Optional | Tiered rate system similar to Maharashtra but lower rates. mpigr.gov.in. |
| 🌴 Telangana | 0.1% of total rent or ₹100 whichever higher | ₹100 minimum | ₹500 | Optional | Low stamp duty. registration.telangana.gov.in for online services. |
| 🌴 Andhra Pradesh | 0.1% of total rent + deposit | 0.1% of consideration | ₹500 | Optional | registration.ap.gov.in. Similar to Telangana rates. |
| 🌊 Kerala | 0.25% of total rent + deposit | 0.25% of consideration | ₹1,000 | Optional | keralaregistration.gov.in. One of higher registration fees. |
| 🏜️ Rajasthan | Stamp duty mandatory for all L&L agreements · Rate varies by duration and rent | 0.5% of annual rent (approx) | ₹200–₹500 | Mandatory (all periods) | Rajasthan mandates stamp duty unlike most other states. epanjiyan.raj.nic.in. |
| 🏗️ Bihar | 2% of (annual rent + deposit) for residential | 2% of consideration | ₹500 | Optional | biharbhumi.bihar.gov.in. Relatively higher stamp duty rate. |
11-Month Rent Agreement vs Registered Lease — Complete Comparison
The most common question in Indian rentals: should you do an 11-month agreement or register it? The answer depends on your state, tenure, and risk appetite. Here's the definitive guide.
✅ 11-Month Agreement — Advantages
- 💰Low or no stamp duty: Delhi = ₹100 flat. Karnataka = ₹200. UP = ₹100–200. Maharashtra still requires registration but stamp duty is minimal.
- 🚫Registration not mandatory (except Maharashtra & Rajasthan): Most states exempt sub-12-month agreements from compulsory registration under Section 17 Registration Act.
- ⚡Quick & cheap: Completed on e-stamp paper in 1–2 days. No Sub-Registrar visit required. Notarization adds legal weight at minimal cost.
- 🔄Easy renewal: Renewed at end of 11 months with fresh e-stamp. Landlord can adjust rent at renewal, maintaining flexibility.
- 🏡Standard practice: Universally accepted as residence proof for Aadhaar, bank accounts, school admissions, gas connections.
⚠️ 11-Month Agreement — Disadvantages & Risks
- ⚖️Weaker in court: Unregistered agreements have limited evidentiary value in civil courts. Registered documents are conclusive evidence.
- 🏠No tenancy protection: Tenants in unregistered agreements have fewer protections under state Rent Control Acts — easier for landlords to demand eviction.
- 🔒Deposit risk: Recovering large security deposits is harder without a registered agreement if the landlord disputes terms.
- 📋Visa / loan complications: Embassies, banks, and many institutions require registered lease agreements for loans or visa applications.
- 🔄Renewal friction: Each renewal requires fresh e-stamp and signatures. If landlord wants to change terms, tenant has limited recourse.
Leave & License vs Rental Agreement vs Lease Deed — Differences
📝 Leave & License Agreement
Common in: Maharashtra, increasingly other states.
What it creates: A mere "license" to occupy — no tenancy rights are created. Landlord retains full ownership and possession rights.
Advantage: Much easier eviction — landlord can revoke license after notice period without lengthy court proceedings.
Tenant risk: No protection under Rent Control Act. Landlord can terminate more easily.
Stamp duty: Maharashtra 0.25%. Registration mandatory in Maharashtra for all durations (Section 55 MRC Act 1999).
📋 Rental Agreement
Common in: Delhi, UP, Haryana, Punjab, most North India.
What it creates: Landlord-tenant relationship with rights under the Rent Control Act (in applicable properties). Tenant has more legal protection.
Duration: Usually 11 months to avoid registration. Can be renewed multiple times.
Eviction: If property falls under Rent Control Act, eviction requires court order on specific grounds.
Stamp duty: Low in most states for 11-month duration (₹100–₹500 flat). E-stamp mandatory from July 2025.
📜 Lease Deed
Common in: Long-term residential or commercial properties.
Duration: Typically 1 year or more, up to 99 years.
Legal status: Transfers an interest in property to lessee. Compulsorily registrable if 1 year or more (Section 107 Transfer of Property Act + Section 17 Registration Act).
Stamp duty: Higher — typically 1–5% of total lease consideration.
Registration: Mandatory for all leases of 1 year or more. Unregistered leases have no legal effect.
🏢 Commercial Lease
Used for: Office spaces, shops, warehouses, factories.
Stamp duty: Typically same or higher than residential — Maharashtra 0.25%, Karnataka 1%, Delhi 2% of annual rent × years.
Tenant protections: Most state Rent Control Acts don't apply to commercial properties. Terms are purely contractual.
Registration: Strongly recommended for all commercial leases regardless of duration. Required if 1+ year.
🏠 PG / Co-Living Agreement
Used for: Paying Guest accommodations, hostels, serviced apartments.
Legal nature: Usually a Leave & License for specific room/bed, not entire property.
Stamp duty: Same as standard L&L for that state — Maharashtra 0.25%, Delhi ₹100 for 11-month.
Important: PG agreements must clearly specify: included services (meals, laundry, utilities), notice period, deposit refund terms. TAXAJ drafts PG-specific agreements.
🔄 Sublease Agreement
When: Primary tenant sub-lets part or all of property to another person.
Permission required: Only permitted if original lease allows subletting — typically requires landlord's written consent.
Stamp duty: Applies as per state for the sub-lease period and amount.
Risk: Primary tenant remains liable to original landlord. Unauthorized subletting can result in termination of original lease. Get original landlord's written consent first.
How to Create a Legally Valid Rent Agreement with E-Stamp
From July 1, 2025, digital e-stamping is mandatory for all new rental agreements. Physical stamp papers are being phased out. Here's the correct process.
Calculate Stamp Duty
Use this calculator to find exact stamp duty for your state, rent amount, and duration.
Buy E-Stamp Certificate
Purchase e-stamp from SHCIL portal (shcilestamp.com), authorized bank branches, or state IGRS portal. Enter stamp duty amount payable.
Draft Agreement
Print agreement on plain paper (not on the e-stamp). Attach the e-stamp certificate. Both parties and witnesses sign all pages. Or get TAXAJ to draft it.
Notarize (Optional)
For 11-month agreements, notarization adds legal weight. A notary stamps, signs, and adds their seal. Cost: ₹100–₹500 typically.
Register (if >11 months)
For agreements exceeding 11 months: visit Sub-Registrar office with both parties, 2 witnesses, Aadhaar, property documents. Pay registration fee.
Rent Agreement Stamp Duty — Common Questions Answered
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