Each state computed on the same ₹80 L at its own published rate, with its own municipal layer, value bands and registration ceiling applied. The bar is that state’s total against the dearest.
Stamp duty 4.0% = ₹3,20,000 · Registration 0.5% = ₹40,000
Telangana is computed on one statewide schedule. Whether Telangana publishes an urban/rural or body-level variation was not verified at the state registry, so none is modelled here — and none is asserted to be absent.
This total is a floor — before Telangana's transfer duty, which this tool does not model — the real figure is higher
Telangana levies a TRANSFER DUTY on a sale instrument in addition to the stamp duty and registration fee, and it is not included in any Telangana figure on this page. This tool therefore shows a FLOOR for Telangana, not an estimate of the all-in cost, and a Telangana total should not be read as directly comparable with the seven fully-modelled states beside it. The duty is not modelled because it could not be read to the Registration & Stamps Department: registration.telangana.gov.in refused the connection on 2026-08-25, on 2026-08-27 and again on 2026-09-01, and the secondary rate tables that circulate contradict each other — some give 1.5% transfer duty with a 0.5% registration fee in a municipal area and none in a gram panchayat area, others a 5.5% duty with a 2% registration fee outside municipal limits. Encoding either would be guessing at a rate this site would then present as sourced, so the charge is stated and excluded rather than averaged in. Ask the sub-registrar for the transfer duty applicable to your property's body before you budget on the figure above.
Source: Registration & Stamps Department, Government of Telangana — 4% stamp duty and 0.5% registration fee on the sale of immovable property, with no concession by gender of the purchaser. (registration.telangana.gov.in) — checked 2026-08-21.
What this rate does not cover — the full source note
Telangana additionally levies a TRANSFER DUTY on sale instruments, and it is NOT modelled here, so the figures above are the stamp duty and registration fee only and understate the all-in cost of a Telangana sale deed. IN-03 (2026-08-25) attempted to model it and refused; IN-02 (2026-08-27) re-attempted it and refused again on the same grounds. registration.telangana.gov.in was unreachable on both dates — on 2026-08-27, three distinct Telangana government hosts refused the connection — and no Registration & Stamps Department page or Gazette notification could be retrieved. www.telangana.gov.in is reachable and its Revenue (Registration and Stamps) department page carries no rate table; it names registration.telangana.gov.in as the publisher, so the only authority for the figure is the one host that will not answer. The secondary rate tables that do circulate still contradict each other — some give 1.5% transfer duty with a 0.5% registration fee in a municipal area and none in a gram panchayat area, others give a 5.5% duty with a 2% registration fee outside municipal limits. Encoding either would be guessing at a rate this site would then present as sourced. Per the site's own rule the exclusion is stated rather than averaged. UNBLOCK: retrieve the Telangana transfer-duty rate from the Registration & Stamps Department or the Telangana Gazette from an environment that can reach the Telangana government network, then model it per body.
Not modelled — Registration & Stamps Department, Government of Telangana — the transfer duty on sale instruments. NOT READ TO SOURCE: registration.telangana.gov.in, the department the Government of Telangana's own Revenue page names as the publisher of the rate table, refused the connection on 2026-08-25, 2026-08-27 and 2026-09-01. The 4% stamp duty and 0.5% registration fee this tool does charge are the department's published figures as read on 2026-08-21. (registration.telangana.gov.in) — checked 2026-09-01.
Stamp duty 4.9% = ₹3,92,000 · Registration 1.0% = ₹80,000 · ₹1,12,000 more than Telangana
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.
Source: 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.
What this rate does not cover — the full source note
Registration fee — 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. A joint purchase in which a man is a co-owner does not attract the exemption, so the joint band carries the full 1%. Excluded and not averaged in: the ₹0 exemption does not extend to a gift, a lease or a partition instrument, which Gujarat schedules separately. The waiver has run statewide since 11 June 2004; confirm the fee in force with your sub-registrar before you budget.
Stamp duty 5.0% = ₹4,00,000 · Metro cess 1.0% = ₹80,000 · Registration 1.0% = ₹30,000 (ceiling applied) · ₹1,50,000 more than Telangana
Computed at: Mumbai — BMC area (principal city).
Source: Department of Registration & Stamps, Government of Maharashtra — conveyance of residential immovable property in a municipal corporation area (Maharashtra Stamp Act, Schedule I, Article 25). CORRECTED 2026-09-10 (IN-06, sprint #36): the 1% women's concession applies ONLY where the Woman/Women is/are the Only Purchaser/s of the residential unit, per Government Order No. Mudrank-2021/UOR.12/CR.107/M-1 (Policy), Revenue & Forest Department, dated 31 March 2021, effective 1 April 2021, issued under clause (a) of section 9 of the Maharashtra Stamp Act (LX of 1958) — Explanation clause, verbatim: "applicable only for the documents or instruments of Conveyance or Agreement to Sell of any type of residential unit ... where Woman/Women are the Only Purchaser/s". A joint purchase with a male co-owner does NOT qualify and is charged the full male rate. The engine previously modelled `joint: 0.04`, silently granting the concession to male-female joint purchases; that was wrong on every joint-buyer input this calculator has ever returned for Maharashtra. No value/price ceiling exists on this concession (unlike Uttar Pradesh's ₹1 crore-capped scheme) — residential property only, statewide, uncapped by price. (igrmaharashtra.gov.in) — checked 2026-09-10.
What this rate does not cover — the full source note
PROVENANCE: retrieved via disclosed substitution, per the IN-04 sourcing policy (BACKFILL B-166, sprint #36) — igrmaharashtra.gov.in returned ECONNREFUSED from this build environment on 2026-09-10, so the Government Order was read from a reproduced scan of the original gazetted order (hosted at cdn.taxguru.in, a legal-commentary site, not the source of the rule itself), cross-checked against secondary legal commentary (taxguru.in, legalogic.com) which agree verbatim on the sole-purchaser condition and the absence of a value cap. The order's own separate 15-year male-resale restriction (Condition 2) was reportedly removed by a 26 May 2023 amendment per secondary reporting only; that amendment text was not independently retrieved, so this page does not assert it and the calculator does not model resale restrictions in any state.
Registration fee — Department of Registration & Stamps, Government of Maharashtra, Registration Fee Table under section 78 of the Registration Act, 1908, Article I(4)(a) — ₹100 plus ₹10 for every ₹1,000 or part in excess of ₹10,000, subject to a maximum of ₹30,000. ₹10 per ₹1,000 is 1%, so the ceiling binds above roughly ₹30 lakh. (igrmaharashtra.gov.in) — checked 2026-08-24. The notification of 11 August 2026 revised the fees for searches, inspections, copies and attendance at a private residence; it did not touch the Article I ad valorem scale or its ₹30,000 ceiling. IN-03 (sprint #23, 2026-08-26) — RE-CONFIRMED, NO CHANGE MADE. B-111 was re-opened on the premise that the engine models an uncapped 1%; it has not since 2026-08-24, and `registrationMax: 30000` below is applied by both `calculateStampDuty` and `calculateRegistrationCost`. Re-verified 2026-08-26 against the reproduced statutory text of the Table of Registration Fees made under s.78 of the Registration Act, 1908 as applied to Maharashtra, Article I(4): '₹100.00 plus ₹10.00 for every ₹1,000/- or part therein in excess of ₹10,000 subject to the maximum of ₹30,000/-', corroborated by 2026-dated Indian sources stating the 1% fee is capped at ₹30,000. PROVENANCE CAVEAT: igrmaharashtra.gov.in was unreachable from the build environment on 2026-08-26 (ECONNREFUSED), so the ceiling rests on the reproduced statutory table rather than on a page fetched from the department's own portal today; the 2026-08-24 reading against the portal stands unamended. One contrary secondary claim exists — that the ₹30,000 upper limit was removed with effect from 16/02/2009 — and is rejected: the current Table of Fees text still carries the ceiling, and every 2026-dated Indian source checked quotes the capped fee.
Stamp duty 6.0% = ₹4,80,000 · Registration 1.0% = ₹80,000 · ₹2,00,000 more than Telangana
Delhi is computed on one statewide schedule. Whether Delhi publishes an urban/rural or body-level variation was not verified at the state registry, so none is modelled here — and none is asserted to be absent.
Source: Revenue Department, Government of NCT of Delhi — stamp duty on conveyance of immovable property: 6% where the transferee is a man, 4% where the transferee is a woman, 5% for a joint male-female transfer. (revenue.delhi.gov.in) — checked 2026-08-21.
What this rate does not cover — the full source note
Registration fee — Revenue Department, Government of NCT of Delhi — registration fee of 1% of the consideration, subject to a ceiling of ₹1,00,000. (revenue.delhi.gov.in) — checked 2026-08-21. The ceiling is the reason a high-value Delhi purchase carries a lower effective registration rate than the same purchase elsewhere.
Stamp duty 6.0% = ₹4,80,000 · Registration 1.0% = ₹80,000 · ₹2,00,000 more than Telangana
Band applied: Corporation / municipal area, market value up to ₹1 crore.
Computed at: Corporation / municipal / notified area (incl. Kolkata, Howrah) (principal city).
Source: Directorate of Registration & Stamp Revenue, Government of West Bengal — Article 23 (Conveyance) of Schedule IA of the Indian Stamp Act, 1899 as applied in West Bengal: "5% on market value in Panchayet Area" and "6% on market value in the areas to which the Kolkata Improvement Act, 1911 or the Howrah Improvement Act, 1956, extends, Municipal Areas, Corporation Areas and notified area", plus "1% Additional Stamp Duty in both urban and rural areas, if the market value exceeds rupees one crore". Registration fee 1% of the market value subject to a minimum of ₹50 (Article A(1) of the Table of Fees fixed under the Registration Act, 1908). (wbregistration.gov.in) — checked 2026-08-25.
What this rate does not cover — the full source note
West Bengal publishes NO concession by gender of the purchaser on a conveyance — the schedule does not mention it. The 5%/6% difference readers see quoted as a women's concession is the panchayat-versus-urban split, and it is modelled here as such. The ₹50 registration-fee floor is not modelled because 1% of any property value the site quotes is far above it. Excluded and not averaged in: the separate reduced schedules for a gift or partition among family members, and mutation (namajari) fees, neither of which is a fixed percentage of the conveyance value.
Stamp duty 5.0% = ₹4,00,000 · Cess (10% of the duty) = ₹40,000 · Surcharge (2% of the duty) = ₹8,000 · Registration 2.0% = ₹1,60,000 · ₹2,48,000 more than Telangana
Computed at: Bengaluru — BBMP area (principal city).
Source: Department of Stamps and Registration, Government of Karnataka — Article 20(1) conveyance duty of 5% of the market value, with no concession by gender of the purchaser; registration fee 2% of the valuation, uncapped, in every band and every body area following the departmental notification of 29 August 2025 (Table of Fees Article 1(4)(a), ₹10 → ₹20 per ₹1,000) which took effect on 31 August 2025. (kaveri.karnataka.gov.in) — checked 2026-08-24.
What this rate does not cover — the full source note
Karnataka's Article 20(2A) bands, its 10% cess and its 2%/3% surcharge are modelled above as of 2026-08-24 (IN-02), and the registration fee was corrected from 1% to 2% on the same date. Still excluded and not averaged in: BBMP/BDA betterment and development charges, khata transfer and bifurcation fees, and the separate schedule for agricultural land — none of which is a fixed percentage of the consideration.
Stamp duty 7.0% = ₹5,60,000 · Registration 1.0% = ₹80,000 · ₹2,80,000 more than Telangana
Uttar Pradesh is computed on one statewide schedule. Whether Uttar Pradesh publishes an urban/rural or body-level variation was not verified at the state registry, so none is modelled here — and none is asserted to be absent.
Source: Stamp and Registration Department, Government of Uttar Pradesh — 7% stamp duty on a sale deed (the urban/municipal figure) and a registration fee of 1%, uncapped. A woman purchaser pays 6% where the higher of consideration and circle value is ₹1,00,00,000 (₹1 crore) or less: UP Government notification no. 13/2025/914/94-2-2025-700(76)/2024 of 29 July 2025, amending notification no. 5-462/XI-2006-500(92)-2005 of 23 February 2006. (igrsup.gov.in) — checked 2026-09-30.
What this rate does not cover — the full source note
The 29 July 2025 order and the department's exemption page were read at igrsup.gov.in on 2026-09-30, and the department's own fee calculator was queried read-only at ₹9 lakh, ₹11 lakh, ₹99 lakh, ₹1 crore and ₹1.01 crore to corroborate the one-point reduction and the ₹1 crore cliff. The Gazette copy of the order was not opened (egazette.gov.in needs a captcha search), and the body of notification 462 itself was not found on the portal; the one-point reduction is taken from the department's summary and its calculator. Some rural villages are charged 5% (4% for a woman) rather than 7%; this calculator uses the 7% urban/municipal figure and does not yet model the rural rate.
Stamp duty 8.0% = ₹6,40,000 · Registration 2.0% = ₹1,60,000 · ₹4,40,000 more than Telangana
Kerala publishes the conveyance rate three times over — Article 21(i) for property in a panchayat area, Article 22(i) for a municipality, township or cantonment, and Article 22(iv) for a corporation area — and all three read 8% of the fair value or consideration, whichever is higher. The registration fee is 2% in all three as well. So a Kochi corporation flat and a rural panchayat plot of the same value carry identical stamp duty and registration in Kerala; there is no municipal cess, no metro cess and no local body tax on a Kerala conveyance. Source: Department of Registration, Government of Kerala, rate schedule at keralaregistration.gov.in/pearlpublic/downloads/Stamp Duty & Fees.pdf, checked 2026-09-12.
Source: Department of Registration, Government of Kerala — the department's own published rate schedule, headed “Existing rates of stamp duty and registration fees for ready reference”. Conveyance of a sale deed is 8 rupees for every Rs.100 or part thereof of the FAIR VALUE or the value of the consideration, whichever is higher, under Article 21(i) in a panchayat area, Article 22(i) in a municipality, township or cantonment and Article 22(iv) in a corporation area — the same 8% in all three. The registration fee is a separate head, Table of Fees I(a)(1), at 2% of the same valuation. (keralaregistration.gov.in/pearlpublic/downloads/Stamp Duty & Fees.pdf) — checked 2026-09-12.
What this rate does not cover — the full source note
SUPERSESSION CHECK COMPLETED 2026-09-12, not assumed. The schedule self-dates in its own header (“The Kerala Stamp Act, 1959 is last amended by Kerala Finance Act, 2019 and the Table of Registration fees is last amended by G.O.(P) No.113/2019/TD. dated 24.07.2019”), and the department's chronological Government Order archive at registration.kerala.gov.in/en/go/ was enumerated in full on the same date to check what has happened since. The archive is live — it carries orders through 2026 — and the only rate-bearing orders after the 2019 Finance Act are three from March 2023, each of which was fetched and read: No.40/2023 amends the Table of Fees at clause (g) and inserts a Gehan fee, leaving conveyance fee I(a)(1) at 2%; No.41/2023 revises the flat/apartment concession to 7% (modelled here as `flatConcession`); No.45/2023 raises the fair VALUE of land, which is the valuation base this engine takes as an input and not the rate. FINANCE ACTS ALSO CHECKED, 2026-09-12 — AND A G.O. ARCHIVE ALONE WOULD NOT HAVE BEEN ENOUGH. An Indian state amends its Stamp Act SCHEDULE through its annual Finance Act, which is enacted legislation and does NOT appear in a registration department's Government Order archive: the archive above lists the 2020 Finance Act and neither 2024, 2025 nor 2026. So every Kerala Finance Act since the 2019 amendment named in the schedule's own header was fetched from its signed Kerala Gazette text and read on 2026-09-12. Kerala Finance Act, 2024 (ACT 18 OF 2024; Kerala Gazette Extraordinary Vol. XIII No. 2447, 29 July 2024; Law (Legislation-A) notification No. 8/Leg. A2/2024/Law.; assent 27 July 2024; in force 1 April 2024) DOES amend the Kerala Stamp Act — section 2 substitutes section 28A(1B) (the fair-value uplift power), and in the Schedule it amends serial 16, wholly substitutes serial 33 (Lease), and amends serials 43 and 44. It does NOT amend serial 21 or serial 22, the conveyance articles this engine reads; serial 33 only REFERS to them (“Same duty as a conveyance (No. 21 or 22, as the case may be)”), which is a lease charge expressed in terms of the conveyance rate, not a change to it. Kerala Finance Act, 2025 (ACT 3 OF 2025; Gazette Extraordinary Vol. XIV No. 1269, 29 March 2025; No. 16/Leg.A2/2025/Law.) amends Acts 10/1960, 13/1961, 15/1963, 19/1976 and 20/2017 and contains NO amendment of Act 17 of 1959 at all. Kerala Finance Act, 2026 (ACT 7 OF 2026; Gazette Extraordinary Vol. XV No. 1093, 10 March 2026; No. 12/Leg. A2/2026/Law.; assent 7 March 2026) amends only the Kerala Finance Act, 2025 and does not mention the Kerala Stamp Act anywhere in its text. So the 8% ad-valorem conveyance rate and the 7% flat concession both survive intact, and the basis for saying so is now BOTH instruments, not one. Kerala is the first B-166 state whose primary source and whose supersession mechanism were both reachable and both exercised in the same session; the widely circulated aggregator figure of 8% happens to agree on the headline, but no aggregator was used or cited here and none of them carries the 7% flat concession or the six-month condition.
Registration fee — Table of Fees prescribed under section 78 of the Registration Act, 1908, Government of Kerala, article I(a)(1): 2% of the fair value or consideration, whichever is higher, on a conveyance. Kerala sets NO maximum on this fee. Last amended for conveyance purposes by G.O.(P) No.113/2019/TD. dated 24 July 2019; G.O.(P) No.40/2023/TAXES (S.R.O. 372/2023) of 17 March 2023 was read on 2026-09-12 and amends only clause (g) and a new article XXII, leaving I(a)(1) untouched. (registration.kerala.gov.in/en/go/) — checked 2026-09-12. The absence of a ceiling is the figure worth checking against another state before budgeting: on a ₹1,20,00,000 property Kerala's registration fee is ₹2,40,000 where Maharashtra's is capped at ₹30,000.
Stamp duty 7.0% = ₹5,60,000 · Registration 4.0% = ₹3,20,000 · ₹5,20,000 more than Telangana
Tamil Nadu charges the same 7% stamp duty and 4% registration fee on a sale deed whether the property is inside a municipal corporation, a municipality, a town panchayat or a village panchayat — Chennai, Coimbatore and a rural taluk are on the same schedule. There is no urban/rural band to select here, and nothing has been averaged to produce that: the state publishes one rate. Source: Inspector General of Registration, Government of Tamil Nadu (tnreginet.gov.in) — checked 2026-08-24.
Source: Inspector General of Registration, Government of Tamil Nadu — 7% stamp duty and 4% registration fee on a sale deed of immovable property, charged on the higher of the consideration and the guideline value, with no concession by gender of the purchaser and no urban/rural variation. (tnreginet.gov.in) — checked 2026-08-24.
What this rate does not cover — the full source note
Tamil Nadu's 4% registration fee is the highest of any state this engine models, so the all-in 11% on a Chennai sale deed is roughly double Telangana's 4.5% on the same valuation. Excluded and not averaged in: the separate reduced schedules for a gift or partition among family members, patta transfer charges, and the concessional rates for specified categories of allottee.