Stamp Duty Calculator

What is Stamp Duty?

Stamp duty is a tax levied by the state government on the transfer of property. It's a mandatory charge that must be paid when you buy a house, flat, land, or any immovable property. The duty is calculated as a percentage of the property's market value or agreement value, whichever is higher. It's a one-time payment made during property registration.

State-wise Stamp Duty Rates in India

Stamp duty rates vary significantly across Indian states. Maharashtra charges 6% for men and 5% for women. Delhi charges 6% for men and 4% for women. Tamil Nadu has a flat 7% rate, while Gujarat is more affordable at 4.9%. Kerala has the highest at 8%. These rates are approximate and may change — always verify with the local sub-registrar office before purchase.

Discount for Women Buyers

Several Indian states offer stamp duty concessions to women property buyers to encourage female property ownership. In Maharashtra, women save 1% (5% vs 6%). In Delhi, the discount is even higher at 2% (4% vs 6%). In Rajasthan and West Bengal, women save 1%. Some states like Tamil Nadu and Kerala do not offer a gender-based discount. Registering property in a woman's name can save thousands to lakhs of rupees.

Registration Charges

Apart from stamp duty, you need to pay registration charges to register the sale deed. This is typically 1% of the property value, capped at ₹30,000 in many states. Registration is mandatory under the Registration Act, 1908, for properties above ₹100. Both stamp duty and registration must be paid before taking possession.

Plan Your Property Purchase Budget

When budgeting for a home, add 7-10% on top of the property price for stamp duty, registration, brokerage, and legal fees. Check your Home Loan Eligibility to know how much you can borrow, and use our EMI Calculator to plan your monthly payments. Don't forget to account for GST on under-construction properties (5% for non-affordable, 1% for affordable housing).

Frequently Asked Questions