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All 8 Major States2026 RatesFree

Stamp Duty Comparison — All Major Indian States

Side-by-side comparison of stamp duty and registration charges across India's 8 major property markets — with male, female, and joint rates. Updated for 2025–26.

Lowest
4.5%
Telangana
Highest
11%
Tamil Nadu
Best for Women
4%
Delhi (female)

Stamp Duty Rates by State 2025–26

Maharashtra
Mumbai / Pune
+1% metro cess in Mumbai
Combined (stamp + reg)
Male: 6%
Female: 5%
Male SD — 5%
Female SD — 4%
Reg fee — 1%
Delhi
New Delhi
Registration capped at ₹1L
Combined (stamp + reg)
Male: 7%*
Female: 5%*
Male SD — 6%
Female SD — 4%
Reg fee — 1% (max ₹1L)
Karnataka
Bangalore
No gender concession
Combined (stamp + reg)
Male: 6%
Female: 6%
Male SD — 5%
Female SD — 5%
Reg fee — 1%
Tamil Nadu
Chennai
Highest in India — no concession
Combined (stamp + reg)
Male: 11%
Female: 11%
Male SD — 7%
Female SD — 7%
Reg fee — 4%
TelanganaLowest
Hyderabad
Lowest among major metros
Combined (stamp + reg)
Male: 4.5%
Female: 4.5%
Male SD — 4%
Female SD — 4%
Reg fee — 0.5%
Gujarat
Ahmedabad / Surat
No gender concession
Combined (stamp + reg)
Male: 5.9%
Female: 5.9%
Male SD — 4.9%
Female SD — 4.9%
Reg fee — 1%
West Bengal
Kolkata
1% female concession
Combined (stamp + reg)
Male: 7%
Female: 6%
Male SD — 6%
Female SD — 5%
Reg fee — 1%
Uttar Pradesh
Noida / Lucknow
1% female concession
Combined (stamp + reg)
Male: 8%
Female: 7%
Male SD — 7%
Female SD — 6%
Reg fee — 1%

* Delhi registration fee capped at ₹1,00,000. Effective % depends on property value.

Key insights

  • ↓Telangana (Hyderabad) has the lowest combined rate at 4.5% — ₹4.5L on a ₹1Cr property vs ₹11L in Tamil Nadu.
  • ♀Delhi female buyers get the biggest concession — 4% vs 6% (a 2% saving). On ₹1.5Cr, that's ₹3 lakhs saved by registering in wife's name.
  • ↑Tamil Nadu charges 11% — plan ₹11L extra cash for a ₹1Cr Chennai property. Cannot be included in home loan.
  • ⚡Delhi's ₹1L registration cap is uniquely valuable for high-value properties. A ₹3Cr Delhi flat pays only ₹1L registration (not ₹3L).
  • 📋Stamp duty is charged on circle rate / guideline value if higher than the actual transaction price — always verify the applicable floor before finalising your budget.

Frequently asked questions

Which Indian state has the lowest stamp duty?

Telangana (Hyderabad) has the lowest combined stamp duty + registration among major metros at just 4.5% (4% + 0.5%). Among other states, Gujarat is close at 5.9% (4.9% + 1%). Maharashtra for women is 5% total. The highest is Tamil Nadu at 11% (7% + 4%).

Which state has the highest stamp duty in India?

Tamil Nadu has the highest combined rate at 11% (7% stamp duty + 4% registration). Uttar Pradesh (male) is second at 8% (7% + 1%). Maharashtra in Mumbai effective rate is 7% due to the metro cess. Most other states are in the 5–7% range.

Which state gives the largest stamp duty concession to women?

Delhi gives the largest absolute concession: 2% off (6% male vs 4% female). UP gives 1% off (7% male vs 6% female). Maharashtra gives 1% off (5% male vs 4% female). Karnataka, Tamil Nadu, Telangana, and Gujarat have no gender concession.

Can stamp duty be claimed as a tax deduction?

Yes. Stamp duty and registration charges paid for a residential property can be claimed as a deduction under Section 80C of the Income Tax Act (old regime), subject to the overall ₹1.5 lakh limit. This deduction is available only in the year of payment and only for the property owner. It is not available under the new tax regime.

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