Tamil Nadu Stamp Duty Calculator 2025–26
Tamil Nadu charges 7% stamp duty + 4% registration — one of the highest combined rates in India. Calculate exactly how much you owe for your property purchase.
Select “Tamil Nadu” in the state step
Tamil Nadu Stamp Duty Rates 2025–26
| Buyer Type | Stamp Duty | Registration Fee | On ₹80L Property |
|---|---|---|---|
| All buyers (male/female/joint) | 7% | 4% | ₹8.8 lakhs |
| Under-construction flat (extra) | +1% GST (affordable) / +5% | Charged on construction portion |
No gender concession in Tamil Nadu. Guideline value from tnreginet.gov.in applies if higher than transaction price. 11% total is one of India's highest.
Budget 11% for TN Stamp Duty + Registration
Tamil Nadu's combined stamp duty + registration rate of 11% means you need significant cash beyond your down payment. On a ₹1 crore property, that's ₹11 lakhs payable at registration — this cannot be financed through a home loan. Budget this separately from your EMI planning.
Frequently asked questions
What is the stamp duty in Tamil Nadu for 2025–26?
Tamil Nadu stamp duty 2025–26: 7% for all buyers (male, female, joint — no gender concession). Registration fee: 4% of property value. Total: 11% of property value — one of the highest combined rates in India. On a ₹80 lakh property, you pay ₹8.8 lakhs in stamp duty and registration alone.
Why is Tamil Nadu stamp duty and registration fee so high?
Tamil Nadu levies 7% stamp duty AND 4% registration fee — giving a combined 11% cost. Most other states charge 1% registration. The high registration fee is a policy choice by the Tamil Nadu government. There is no gender concession, so the rate is the same for all buyers. Always factor this into your total acquisition budget.
What is the guideline value in Tamil Nadu?
Guideline value (similar to circle rate/ready reckoner rate) is the minimum value set by the Tamil Nadu government for property registration. Stamp duty is charged on the higher of guideline value or actual transaction price. Check current guideline values at tnreginet.gov.in by entering your district, zone, and street.
Is Tamil Nadu stamp duty the same for apartments and plots?
Yes, the rate is the same — 7% stamp duty + 4% registration for both residential apartments and plots. However, for under-construction apartments, GST (1% or 5%) is charged on the construction portion separately. Completed ready-to-move apartments are exempt from GST.