Stamp Duty & Registration Calculator
Instantly calculate stamp duty and registration charges for property purchases across every major Indian state — Mumbai, Bengaluru, Delhi, Chennai, Hyderabad and more. Female discount rates and joint-ownership options included.
Calculate Your Property Registration Cost
What Is Stamp Duty in India?
Stamp duty is a state-imposed tax levied on the legal recognition of property transactions. It is paid at the time of registering the sale deed with the sub-registrar's office and is calculated as a percentage of the higher of the agreement value or the circle rate (ready-reckoner value) of the property.
Because stamp duty is a state subject under the Constitution of India, rates vary widely — from 4% in Telangana to 8% in Kerala. Most states also charge a separate registration fee (typically 1%) to record the transaction. Together, stamp duty + registration can add 5% to 11% to the effective cost of buying a home.
How Is Stamp Duty Calculated?
The basic formula is:
Stamp Duty = Property Value × State Rate (%)
Registration Fee = Property Value × Registration Rate (%)
Total Cost = Property Value + Stamp Duty + Registration
The applicable rate depends on four factors:
- State jurisdiction — each state legislature sets its own duty schedule.
- Owner gender — most states give 1-2% concession for sole female registration to promote women's property ownership.
- Property type — residential is standard, commercial usually adds 0.5%, agricultural land often qualifies for partial exemption.
- Urban vs rural — some states like Haryana have higher urban rates.
Example: A ₹1 crore residential flat in Mumbai registered in a woman's name attracts 5% stamp duty (₹5,00,000) plus 1% registration (₹1,00,000) = ₹6,00,000 total — a saving of ₹1,00,000 compared to male-only registration at 6%.
State-Wise Stamp Duty Rates (2026)
| State / City | Male | Female | Joint | Registration |
|---|---|---|---|---|
| Maharashtra (Mumbai/Pune) | 6% | 5% | 6% | 1% |
| Karnataka (Bengaluru) | 5% | 5% | 5% | 1% |
| Delhi | 6% | 4% | 5% | 1% |
| Tamil Nadu (Chennai) | 7% | 7% | 7% | 4% |
| Telangana (Hyderabad) | 4% | 4% | 4% | 0.5% + 1.5%* |
| Uttar Pradesh | 7% | 6% | 6.5% | 1% |
| West Bengal (up to ₹1 cr) | 5% | 5% | 5% | 1% |
| West Bengal (above ₹1 cr) | 6% | 6% | 6% | 1% |
| Gujarat | 4.9% | 4.9% | 4.9% | 1% |
| Haryana (Gurgaon urban) | 7% | 5% | 6% | 1.5% |
| Rajasthan | 6% | 5% | 5.5% | 1% |
| Kerala | 8% | 8% | 8% | 2% |
*Telangana registration is 0.5% + 1.5% transfer duty. Rates as of Jul 2026; verify with your state's IGR portal before registration.
Female Ownership — How Much Do You Save?
Registering a home solely in a woman's name is one of the simplest ways to reduce your effective purchase cost. Here is what buying a ₹75 lakh flat looks like across the top cities:
| City | Male-only | Female-only | Savings |
|---|---|---|---|
| Mumbai / Pune | ₹5,25,000 | ₹4,50,000 | ₹75,000 |
| Delhi | ₹5,25,000 | ₹3,75,000 | ₹1,50,000 |
| Gurgaon (urban) | ₹6,37,500 | ₹4,87,500 | ₹1,50,000 |
| Lucknow (UP) | ₹6,00,000 | ₹5,25,000 | ₹75,000 |
| Jaipur (Rajasthan) | ₹5,25,000 | ₹4,50,000 | ₹75,000 |
Includes stamp duty only (excludes registration). Numbers rounded.
Tips to Reduce Your Stamp Duty & Registration Cost
- Register in a woman's name — savings of ₹75,000 to ₹2 lakh on a ₹1 crore flat depending on the state.
- Time your purchase around state stamp-duty rebates — Maharashtra, Karnataka and Delhi have historically offered 1-2% concessions during COVID and pre-Diwali windows.
- Claim Section 80C deduction — up to ₹1.5 lakh of stamp duty + registration is tax-deductible in the year of payment under the old tax regime.
- Verify circle rate before agreement — if agreement value is below circle rate, duty is levied on circle rate. Adjust deal accordingly.
- Consider e-stamping — most states allow online payment via SHCIL, eliminating cash-handling risk and physical stamp papers.
- Bundle registration cost into your home loan — many banks now finance stamp duty as part of the loan, spreading the cost across your EMIs.
Frequently Asked Questions
What is stamp duty in India?
Do women pay less stamp duty?
What is the difference between stamp duty and registration?
Which state has the cheapest stamp duty?
Is stamp duty paid on booking or possession?
Can I claim stamp duty in income tax?
Official Sources & References
This Stamp Duty Calculator uses rates and rules published by state revenue departments and the Inspector General of Registration (IGR) portals. Always cross-check with the official state source before registration.