Stamp Duty & Registration Calculator — No Hidden Surprises
Know your exact stamp duty and registration charges before signing. Covers 8 major states with gender-based discounts. Updated for FY 2025–26.
What you'll need
- Property value (agreement or circle rate)
- State where property is located
- Primary owner — male, female, or joint
How It Works
Enter property value
Use the agreement value or circle rate — whichever is higher.
Select your state
Stamp duty rates differ significantly across India's 8 major states.
Choose owner type
Women buyers get 1–2% discount on stamp duty in most states.
Stamp Duty & Registration Rates by State (2024–25)
| State | Male | Female | Registration |
|---|---|---|---|
| Maharashtra | 5% | 4% | 1% |
| Delhi | 6% | 4% | 1% (max ₹1L) |
| Karnataka | 5% | 5% | 1% |
| Tamil Nadu | 7% | 7% | 4% |
| Telangana | 4% | 4% | 0.5% |
| Gujarat | 4.9% | 4.9% | 1% |
| West Bengal | 6% | 5% | 1% |
| Uttar Pradesh | 7% | 6% | 1% |
Rates shown for residential properties. Rates may vary for affordable housing, women-only ownership, or other categories. Verify with local sub-registrar.
Frequently asked questions
What is stamp duty and registration charge in India?
Stamp duty is a state government tax levied on property transactions, typically ranging from 4–7% of the property value. Registration charge is an additional fee (usually 1%) paid to legally register the property in the buyer's name with the sub-registrar's office.
Do women get a discount on stamp duty in India?
Yes. Most Indian states offer a 1–2% concession on stamp duty for women buyers to promote women home ownership. For example, Delhi charges 4% for women vs 6% for men. Maharashtra charges 4% for women vs 5% for men.
Is stamp duty paid on agreement value or circle rate?
Stamp duty is levied on the higher of the agreement value (actual sale price) or the government circle rate (ready reckoner value). If a property is sold below the circle rate, stamp duty is calculated on the circle rate.
Can stamp duty be claimed as a tax deduction?
Yes. Under Section 80C of the Income Tax Act, stamp duty and registration charges paid on a new residential property can be claimed as a deduction, subject to the overall ₹1.5 lakh 80C limit (old tax regime only).
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