Property Registration Cost Calculator — Every Charge, Explained
Beyond stamp duty, property registration involves multiple charges. Get the complete picture — state-wise stamp duty, registration fee, mortgage deed, GST, and legal costs — before you sign.
What you'll need
- Property / agreement value
- State where property is located
- Buyer gender (for stamp duty concessions)
- Home loan amount (for mortgage deed charges)
How It Works
Enter property value and state
Provide the agreement value and select the state where the property is located.
Enter buyer details
Choose buyer gender (many states offer discounts for women) and home loan amount.
Get full cost breakdown
See stamp duty, registration fee, mortgage deed charges, GST (if applicable), and total cost to own.
Sample Registration Cost — ₹75 Lakh Property
| State | Stamp Duty (Male) | Reg. Fee | Total Charges |
|---|---|---|---|
| Maharashtra | ₹3.75L (5%) | ₹75,000 | ~₹4.5L |
| Delhi | ₹4.5L (6%) | ₹75,000 (max ₹1L) | ~₹5.25L |
| Karnataka | ₹3.75L (5%) | ₹75,000 | ~₹4.5L |
| Tamil Nadu | ₹5.25L (7%) | ₹3L (4%) | ~₹8.25L |
Does not include mortgage deed, legal charges, or GST. Rates are 2024–25 estimates. Verify with local sub-registrar.
Frequently asked questions
What is the total cost of property registration in India?
Total property registration costs in India typically add 6–10% to the property value. This includes stamp duty (4–7% depending on state and gender), registration fee (~1%), mortgage deed registration (~0.2% of loan for home loan buyers), legal/documentation charges (~₹7,500), and GST if the property is under construction.
Do women get lower stamp duty rates in India?
Yes. Several Indian states offer reduced stamp duty rates for women buyers. For example, Delhi charges 4% for women vs 6% for men. Maharashtra charges 4% for women vs 5% for men. Registering property in a woman's name or jointly with a woman can save significant amounts on a high-value property.
What is the registration fee for property in India?
Registration fee is typically 1% of the property value in most states. Delhi caps it at ₹1 lakh. Maharashtra charges 1% with no cap. Tamil Nadu charges 4% which is higher than most. The registration fee is paid at the sub-registrar's office at the time of property registration.
What is a mortgage deed and how much does it cost?
A mortgage deed is a legal document registered with the sub-registrar that records the bank's charge on your property for a home loan. It costs approximately 0.1–0.5% of the loan amount, capped at around ₹50,000 in most states. This is a one-time cost paid at loan sanction.
Authoritative resources
Know the full cost before you register.
Calculate Registration Cost →