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Delhi Stamp Duty Calculator 2025–26
Estimate stamp duty and registration charges for Delhi property purchases — the largest gender concession in India (2% off for female buyers), with registration capped at ₹1 lakh.
Select “Delhi” in the state step
Delhi Stamp Duty Rates 2025–26
| Buyer Type | Stamp Duty | Registration Fee | On ₹1 Cr Property |
|---|---|---|---|
| Male | 6% | 1% (max ₹1L) | ₹7 lakhs |
| Female | 4% | 1% (max ₹1L) | ₹5 lakhs |
| Joint (male+female) | 5% | 1% (max ₹1L) | ₹6 lakhs |
Registration fee capped at ₹1,00,000 regardless of property value. Stamp duty is charged on circle rate or transaction value, whichever is higher.
Delhi's Unique Female Concession
Delhi has one of India's largest gender concessions — 2% off for female buyers (4% vs 6%). On a ₹1.5 crore property, this saves ₹3 lakhs in stamp duty. For couples, registering in the wife's name alone (if feasible for the loan) can result in significant savings. Consult a property lawyer about practical implications before deciding.
What the duty is actually charged on
This is the single most common surprise at the registrar’s office. Stamp duty in Delhi is not charged on what you agreed to pay — it is charged on the higher of the agreement value and the circle rate (also called the ready reckoner rate), the minimum valuation the state government publishes for each locality and revises annually.
If you negotiate a price below the circle rate for your area, you still pay duty on the circle rate. In a falling market that gap can be substantial, and it is the reason a quote based purely on the sale price comes in short. Check the circle rate for the exact locality — not the city average — before you budget.
Registration charges are separate
Stamp duty and registration are two different payments and people routinely budget only for the first. In Delhi the stamp duty is 6% and the registration charge is a further 1% (capped at ₹1,00,000) on the same valuation.
Neither is included in your home loan sanction. Lenders fund a percentage of the property value and these costs sit outside it, so they come out of the same savings as your down payment — the most common reason a buyer is short at closing.
What this estimate does not cover
- GST on under-construction property. Ready properties and resale carry no GST; under-construction does, and it is charged separately from stamp duty. See the GST on property calculator.
- Legal and documentation fees. Drafting, title verification and the registrar’s facilitation charges.
- Society transfer and NOC charges on a resale flat, set by the housing society rather than the state.
- TDS on the purchase. Buyers must deduct TDS where the consideration crosses the statutory threshold — see the TDS on property calculator.
How and when you pay
Stamp duty is paid before or at the time of registration, and registration has to happen within four months of the document being executed. Most states now use e-stamping through SHCIL or the state’s own portal rather than physical stamp paper.
Undervaluing the transaction to reduce duty is the risk worth naming: the registrar can refer the document for valuation, and a shortfall attracts the deficit plus penalty and interest. Since the duty is assessed on the circle rate anyway, an under-declared sale price usually saves nothing and creates exposure.
Rates shown are the headline residential rates for Delhi and are a planning estimate. States revise circle rates annually and run periodic concessions, and municipal cess can apply on top in some cities. Confirm the current figure with the sub-registrar’s office or the state revenue portal before you transfer funds — and treat this as a starting point for a conversation with your lawyer, not as tax advice.
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Frequently asked questions
What is the stamp duty rate in Delhi for 2025–26?+
Delhi stamp duty rates 2025–26: Male buyer — 6% of property value. Female buyer — 4% (2% concession). Joint (male+female) — 5%. Registration fee is 1% of property value, capped at ₹1,00,000. So for a ₹1.5 crore property, registration is capped at ₹1 lakh, not ₹1.5 lakhs.
Does Delhi stamp duty apply to DDA flats?+
Yes. DDA flats are subject to the same stamp duty as private purchases — 6% (male), 4% (female), 5% (joint). However, for DDA allotments, the stamp duty is usually calculated on the allotment price, not the market value. For resale DDA flats, it is calculated on the circle rate or transaction value, whichever is higher.
What is the circle rate for property in Delhi?+
Delhi circle rates vary significantly by area. Category A (Lutyens, Golf Links) can be ₹7.74 lakh/sqmt. Category H (resettlement colonies) may be ₹23,280/sqmt. Stamp duty is charged on circle rate or actual value, whichever is higher. Check the latest rates at revenue.delhi.gov.in.
Is the registration fee in Delhi really capped at ₹1 lakh?+
Yes. Delhi registration fee is 1% of property value, subject to a maximum of ₹1,00,000. This makes Delhi's registration fee relatively affordable for high-value properties. For a ₹2 crore property, you pay only ₹1 lakh in registration fees, not ₹2 lakhs. This cap does not apply to stamp duty — that is charged in full.
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Calculate Delhi Stamp Duty →Delhi Stamp Duty Calculator is built and maintained by the RealCostIQ editorial team. Cost ranges and rates are checked against published industry data and contractor quotes, and revised when the underlying figures move. Read our data methodology or more about who builds this. Every calculation runs in your browser — no account, and none of your inputs are stored.
Cost ranges and rates here are checked against contractor quotes and published industry data. If a number still looks off, email Support@RealCostIQ.com and we'll review and fix it.