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Gujarat Stamp Duty Calculator 2026–27
Stamp duty and registration charges for Gujarat property — Ahmedabad, Surat, Vadodara and all districts. 4.9% duty for every buyer, plus a 1% registration fee that Gujarat waives outright where the purchaser is a woman in her sole name.
Gujarat stamp duty & registration
Prefilled for Gujarat — you only enter the value and who the property will be registered to. Stamp duty and the registration fee are shown as separate lines, because the state’s concession for women applies to the second and not to the first.
Educational calculators — always consult a licensed professional before making financial decisions.
Enter the agreement value or the circle rate — whichever is higher.
Gujarat charges every buyer the same 4.9% stamp duty, but waives the registration fee for a woman sole purchaser.
4.9% duty + 1% registration in Gujarat.
Total Gujarat registration charges
₹2.95 L
5.90% of the valuation
Stamp duty and registration are two separate payments
Neither is financeable through a home loan. Both come out of the same savings as your down payment.
Based on
Where these rates come from
Superintendent of Stamps / Inspector General of Registration, Government of Gujarat — basic stamp duty of 3.5% on a sale deed plus a surcharge of 40% of that basic duty, giving the effective 4.9% the state quotes; charged on the higher of the consideration and the jantri (annual statement of rates) value. (garvi.gujarat.gov.in) — checked 2026-08-24. Superintendent of Stamps / Inspector General of Registration, Government of Gujarat — registration fee of 1% of the market value, fully exempt where the purchaser is a woman holding the property in her sole name. The exemption is on the registration fee only; the 4.9% stamp duty is unchanged. (garvi.gujarat.gov.in) — checked 2026-08-24.
Gujarat charges the same effective 4.9% stamp duty on a sale deed across the whole state — Ahmedabad, Surat, Vadodara, Rajkot and the rural talukas alike. There is no municipal-corporation cess or urban/rural band to select, and that is the published position rather than an average across bodies. Source: Superintendent of Stamps, Government of Gujarat (garvi.gujarat.gov.in) — checked 2026-08-24.
Important note
Duty is charged on the higher of the agreement value and the government circle or guidance rate. Rates shown are the headline residential rates and can differ for commercial, agricultural and affordable-housing segments. Confirm the current figure with the sub-registrar’s office before you transfer funds.
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Gujarat Stamp Duty and Registration 2026–27
| Registered to | Stamp duty | Registration fee | On a ₹1 crore property |
|---|---|---|---|
| Male sole purchaser | 4.9% | 1% | ₹5,90,000 |
| Female sole purchaser | 4.9% | Nil — exempt | ₹4,90,000 |
| Joint (male + female) | 4.9% | 1% | ₹5,90,000 |
Gujarat's 4.9% is a basic duty of 3.5% plus a surcharge of 40% of that basic duty. The concession for women is on the REGISTRATION FEE, not on the stamp duty — a distinction most rate tables collapse. A joint purchase in which a man is a co-owner does not qualify for the exemption. The rate is the same in Ahmedabad, Surat, Vadodara, Rajkot and every rural taluka: Gujarat publishes no municipal-corporation cess and no urban/rural band. Duty is charged on the higher of the transaction price and the jantri (annual statement of rates) value. Source: Superintendent of Stamps, Government of Gujarat (garvi.gujarat.gov.in) — checked 2026-08-24. Re-checked for FY 2026–27 on 2026-09-24: garvi.gujarat.gov.in refused the connection from the build environment, so these figures are the last verified rates, read 2026-08-24. That read falls inside FY 2026–27 (which runs from 2026-04-01), so it is treated as evidence of the rates operative in FY 2026–27 and the page is labelled accordingly; no notified change has surfaced since.
Buying outside Gujarat? Use the stamp duty calculator that compares all 9 states side by side instead of this Gujarat-only one.
Worked example: a ₹50 lakh flat in Ahmedabad
Gujarat charges every buyer the same 4.9% duty, so the only thing that moves this bill is whose name the flat is registered in.
The ₹50,000 gap is the whole of the registration fee. It scales with the valuation: on a ₹1 crore flat it is ₹1,00,000, and on a ₹2 crore flat ₹2,00,000, because Gujarat publishes no ceiling on the registration fee the way Delhi does.
The registration-fee waiver at every property value
The engine above applies Gujarat’s registration-fee exemption directly — it is not a separate estimate. Because the 4.9% stamp duty is identical for every buyer, the waiver is the entire gap between the male/joint row and the female-sole-purchaser row, and it scales with the valuation since Gujarat publishes no ceiling on the registration fee.
| Property value | Male / joint (5.90%) | Woman sole purchaser (4.90%) | Registration-fee waiver |
|---|---|---|---|
| ₹25,00,000 | ₹1,47,500 | ₹1,22,500 | ₹25,000 |
| ₹50,00,000 | ₹2,95,000 | ₹2,45,000 | ₹50,000 |
| ₹75,00,000 | ₹4,42,500 | ₹3,67,500 | ₹75,000 |
| ₹1,00,00,000 | ₹5,90,000 | ₹4,90,000 | ₹1,00,000 |
| ₹1,50,00,000 | ₹8,85,000 | ₹7,35,000 | ₹1,50,000 |
| ₹2,00,00,000 | ₹11,80,000 | ₹9,80,000 | ₹2,00,000 |
The waiver column is exactly 1% of the property value at every row — it is the registration fee in full, not a partial rebate. It does not extend to a joint purchase with a man as co-owner, a gift, a lease or a partition instrument. Source: Superintendent of Stamps, Government of Gujarat (garvi.gujarat.gov.in) — checked 2026-08-24.
Does Ahmedabad add its own registration charge on top of the state rate?
Not on the stamp duty or the state registration fee. Gujarat’s 4.9% duty — a 3.5% basic rate plus a 40% surcharge under Section 3-A of the Bombay Stamp Act, 1958, as applicable to Gujarat — and its 1% registration fee are levied by the state Revenue Department and apply identically inside Ahmedabad Municipal Corporation (AMC) limits, in Surat, in Vadodara and in every rural taluka. The 40% surcharge funds local bodies statewide; it is not an AMC-specific line item, and it does not raise the rate a buyer pays inside city limits above what a rural buyer pays. That is unlike Karnataka’s BBMP cess and surcharge or Maharashtra’s municipal-area schedule, both of which do change with the body you register in — Gujarat runs one statewide rate with no urban/rural or per-corporation band. Source: Bombay Stamp Act, 1958, Section 3-A, as amended by the Gujarat Stamp (Amendment) Act, 2025 (Gujarat Act No. 8 of 2025); GARVI, Government of Gujarat (garvi.gujarat.gov.in). garvi.gujarat.gov.in could not be reached live on 2026-09-07 to re-screenshot the calculator, so this paragraph is sourced to the statute text and its 2025 amendment rather than a fresh portal read.
A separate AMC charge does exist — at the municipal corporation, after registration, not at the sub-registrar
The Ahmedabad Municipal Corporation levies its own name-transfer (mutation) fee to update the property-tax record to the buyer’s name once the sale deed is registered — a municipal charge, separate from and paid after the state stamp duty and registration fee above; it never appears on the GARVI receipt. Public reporting describes a revision effective 16 January 2023 moving this fee onto a slab tied to the sale-deed value, with a higher rate for commercial than residential property, but the reports disagree with each other on the exact slabs and percentages, and ahmedabadcity.gov.in refused a direct connection on the retrieval attempt of 2026-09-07, so no AMC circular or resolution number could be confirmed. Rather than publish a slab table this site cannot stand behind, the fee is named here as real and separate from stamp duty and registration, with the amount stated as unverified. Confirm the current name-transfer fee with the AMC ward office before budgeting on the total in the calculator above, which does not include it. Model the rest of the acquisition cost on the property registration cost calculator.
What the duty is actually charged on
This is the single most common surprise at the registrar’s office. Stamp duty in Gujarat 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 Gujarat the stamp duty is 4.9% and the registration charge is a further 1% 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 Gujarat 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.
The 2025 amendment did not touch what you pay
The Gujarat Stamp (Amendment) Act, 2025 (Act No. 8 of 2025) was published in the state gazette on 2 April 2025, and a reader searching for it can be forgiven for wondering whether the 4.9% duty above has moved. It has not. Section 4 of the amendment re-enacts section 3A(1) and touches Article 20 at clause (d) only — the schedule entry for High Court and NCLT orders sanctioning an amalgamation or reconstruction. Clauses (a) through (c), which govern an ordinary conveyance on sale, are untouched. The 3.5% basic duty and 40% surcharge that combine to 4.9% — and the registration-fee waiver above — stand as they did before the amendment.
Source: Gujarat Government Gazette, Extraordinary, Part IV, Vol. LXVI, 2 April 2025, Gujarat Act No. 8 of 2025, section 4; corroborated by Comptroller and Auditor General of India, Audit Report (Revenue Sector) Government of Gujarat, Report No. 3 of 2019, Chapter IV. Retrieved 2026-09-04.
Two more numbers on top of the property price: TDS and your loan
Stamp duty and registration are not the only cash a Gujarat buyer sets aside before signing. Two national rules apply on every state's property, Gujarat included, and neither is modelled by a state stamp-duty schedule.
TDS at the sub-registrar, not the tax office
Under Section 194-IA of the Income Tax Act, 1961, a buyer of any property worth ₹50 lakh or more deducts 1% tax at source on the higher of the sale consideration or the jantri (stamp duty) value, and deposits it on Form 26QB. A ₹1 crore Ahmedabad purchase owes ₹1,00,000 in TDS — separate from, and paid to a different account than, the ₹5,90,000 (or ₹4,90,000 for a woman sole purchaser) in duty and registration above. Work the exact TDS figure for your own price on the TDS on property calculator.
Your home loan does not advance against duty or registration
The Reserve Bank of India directs banks not to include stamp duty, registration or other documentation charges in the cost of the property when they compute the loan-to-value ratio — including such charges would overstate the property's realisable value and dilute the LTV margin. In practice that means the ₹2,45,000 to ₹2,95,000 on a ₹50 lakh Ahmedabad flat is cash a buyer brings on top of the down payment, not something the sanctioned loan amount covers. Model the loan itself, exclusive of duty and registration, on the home loan EMI calculator.
Sources: Income Tax Act, 1961, Section 194-IA; Reserve Bank of India, DBOD.BP.BC.No.104/08.12.015/2012-13, 21 June 2013 (rbi.org.in). Retrieved 2026-09-04.
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Frequently asked questions
What is the stamp duty in Gujarat for 2026–27?+
Gujarat charges 4.9% stamp duty on a sale deed — a basic duty of 3.5% plus a surcharge of 40% of that basic duty — for every buyer, male, female or joint, in every district. The registration fee is a further 1% of the market value, and Gujarat exempts it entirely where the purchaser is a woman holding the property in her sole name; a joint purchase with a man as co-owner does not qualify. So a male or joint purchase pays 5.90% all in and a woman sole purchaser pays 4.90%. On a ₹50 lakh Ahmedabad flat that is ₹2,95,000 against ₹2,45,000. The concession is on the registration fee only, which is the part most rate tables get wrong. Source: Superintendent of Stamps, Government of Gujarat (garvi.gujarat.gov.in), checked 2026-08-24.
Does Gujarat give women a stamp duty concession, and does it apply to a joint purchase?+
Not on the stamp duty — on the registration fee. Gujarat's 4.9% stamp duty is the same for a man, a woman or a joint purchase. What the state waives is the 1% registration fee, and only where the property is registered in a woman's sole name. A joint purchase in which a man is a co-owner pays the full 1%, so a couple registering together does not get the benefit. On a ₹1 crore property the exemption is worth ₹1,00,000; on a ₹50 lakh property, ₹50,000. Gujarat also publishes no ceiling on the registration fee, so the saving keeps scaling with the valuation rather than flattening the way Delhi's ₹1,00,000 cap does. The exemption does not extend to a gift, lease or partition instrument, which Gujarat schedules separately. Source: Superintendent of Stamps, Government of Gujarat (garvi.gujarat.gov.in), checked 2026-08-24.
Is stamp duty different in Ahmedabad, Surat and rural Gujarat?+
No. Gujarat charges the same effective 4.9% stamp duty and 1% registration fee across the whole state — Ahmedabad, Surat, Vadodara, Rajkot and every rural taluka are on one schedule. There is no municipal-corporation cess and no urban/rural band of the kind Maharashtra levies in the BMC and PMC areas or Karnataka levies through its 2% urban and 3% rural surcharge. That is the state's published position rather than an average taken across bodies. What does vary by locality is the jantri value the duty is assessed on, and that can differ sharply between two areas of the same city — check the jantri rate for the exact locality at garvi.gujarat.gov.in, not the city average. Source: Superintendent of Stamps, Government of Gujarat (garvi.gujarat.gov.in), checked 2026-08-24.
What is Jantri value in Gujarat?+
Jantri is Gujarat's government-published guideline value for property. Stamp duty is calculated on the higher of the Jantri value or the actual transaction price. Jantri values are revised periodically and vary significantly by area within a city. In prime Ahmedabad areas, Jantri values can be close to or higher than market rates. Check at garvi.gujarat.gov.in.
Is there any stamp duty rebate for affordable housing in Gujarat?+
Gujarat periodically offers stamp duty rebates or waivers for PMAY affordable housing and for specific government housing schemes. During the COVID period, Gujarat offered a temporary 2% reduction. Monitor official announcements at cmogujarat.gov.in and garvi.gujarat.gov.in for any current schemes before registering.
What are all the charges when buying property in Ahmedabad?+
Ahmedabad property purchase charges: stamp duty 4.9%, registration fee 1% (nil for a woman sole purchaser), AMC/AUDA development charges (₹200–₹500 per sq ft), GST on under-construction property (1–5%) and a society transfer fee where applicable. Duty and registration alone come to ₹2,95,000 on a ₹50 lakh flat, or ₹2,45,000 registered in a woman's sole name. Total acquisition cost beyond the property price is typically 8–10% including home loan processing and legal fees. Development charges and society transfer fees are not percentages of the consideration and are excluded from the calculator rather than averaged into it.
Does Gujarat's 2025 stamp duty amendment change what a homebuyer pays?+
No. The Gujarat Stamp (Amendment) Act, 2025 (Act No. 8 of 2025), published in the Gujarat Government Gazette on 2 April 2025, re-enacts section 3A(1) and amends Article 20 only at clause (d) — the schedule entry for High Court and NCLT amalgamation and reconstruction orders. It does not touch clauses (a), (b) or (c), which cover the ordinary sale deed. A residential purchase in Ahmedabad, Surat or anywhere else in the state still carries the 3.5% basic duty plus the 40% surcharge that together make 4.9%, and the 1% registration fee (nil for a woman sole purchaser) is unaffected. Source: Gujarat Government Gazette, Extraordinary, Part IV, Vol. LXVI, 2 April 2025, Gujarat Act No. 8 of 2025, section 4; corroborated by Comptroller and Auditor General of India, Audit Report (Revenue Sector) Government of Gujarat, Report No. 3 of 2019, Chapter IV. Retrieved 2026-09-04.
Do I owe TDS in addition to Gujarat stamp duty, and does my home loan cover the duty?+
Two separate costs, both on top of the sale price. First, TDS: under Section 194-IA of the Income Tax Act, 1961, a buyer of any Indian property worth ₹50 lakh or more deducts 1% tax at source on the higher of the sale consideration or the stamp duty value — jantri, in Gujarat — and deposits it via Form 26QB. A ₹50 lakh Ahmedabad flat sits at the threshold; a ₹1 crore purchase owes ₹1,00,000 in TDS, separate from and in addition to the ₹5,90,000 (or ₹4,90,000, woman sole purchaser) in stamp duty and registration. Second, financing: the Reserve Bank of India directs banks not to include stamp duty, registration or documentation charges in the cost of the property when computing the loan-to-value ratio, so these charges are not something a home loan advances against — a Gujarat buyer budgets for stamp duty, registration and TDS as cash on top of the down payment. Sources: Income Tax Act, 1961, Section 194-IA; Reserve Bank of India, DBOD.BP.BC.No.104/08.12.015/2012-13, 21 June 2013 (rbi.org.in). Retrieved 2026-09-04.
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