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Gujarat Stamp Duty Calculator 2025–26
Stamp duty and registration charges for Gujarat property — Ahmedabad, Surat, Vadodara, and all districts. Flat 4.9% + 1% registration for all buyers.
Select “Gujarat” in the state step
Gujarat Stamp Duty Rates 2025–26
| Buyer Type | Stamp Duty | Registration Fee | On ₹1 Cr Property |
|---|---|---|---|
| All buyers (male/female/joint) | 4.9% | 1% | ₹5.9 lakhs |
Jantri (guideline) value used if higher than transaction price. Check garvi.gujarat.gov.in for Jantri values in your area.
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.
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Frequently asked questions
What is the stamp duty in Gujarat for 2025–26?+
Gujarat stamp duty 2025–26: 4.9% for all buyers (male, female, joint — no gender concession as of 2024). Registration fee: 1% of property value. Total: 5.9%. Gujarat previously offered a 1% concession for women but this was discontinued. Verify current rates at garvi.gujarat.gov.in before registration.
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 1%, AMC/AUDA development charges (₹200–₹500/sqft), GST on under-construction (1–5%), Society transfer fee (as applicable). Total acquisition cost beyond property price is typically 8–10% including home loan processing and legal fees.
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Calculate Gujarat Stamp Duty →Gujarat 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.
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