Stamp duty & registration calculator
Stamp duty and registration are paid when a sale deed is registered, usually on the higher of the agreement value and the government ready-reckoner (circle) rate.
Total to pay at registration—
Stamp duty
Registration
Indicative urban residential rates — states revise these and add local cesses. Check your state's IGR / registration department website before paying.
Rates by state
| State | Stamp duty (men) | Stamp duty (women) | Registration | Note |
|---|---|---|---|---|
| Andhra Pradesh | 5% | 5% | 1% | Includes transfer duty; verify with AP IGRS. |
| Delhi | 6% | 4% | 1% | Registration 1% + ₹100 pasting fee. |
| Gujarat | 4.9% | 4.9% | 1% | Registration fee is waived for women buyers. |
| Haryana | 7% | 5% | 1% (max ₹50,000) | Urban areas; joint ownership 6%. |
| Karnataka | 5.6% | 5.6% | 1% | Includes surcharge and cess. |
| Kerala | 8% | 8% | 2% | |
| Madhya Pradesh | 7.5% | 7.5% | 3% | |
| Maharashtra | 6% | 5% | 1% (max ₹30,000) | Mumbai & metro areas include 1% metro cess. |
| Punjab | 7% | 5% | 1% (max ₹200,000) | |
| Chandigarh | 6% | 4% | 1% | |
| Rajasthan | 6% | 5% | 1% | Includes surcharge. |
| Tamil Nadu | 7% | 7% | 2% | |
| Telangana | 5.5% | 5.5% | 0.5% | Includes transfer duty. |
| Uttar Pradesh | 7% | 6% | 1% | Women: 1% rebate on value up to ₹1 crore. |
| West Bengal | 6% | 6% | 1% | 7% above ₹1 crore in urban areas. |
Frequently asked questions
Do women pay less stamp duty in India?
Several states, including Delhi, Maharashtra, Haryana, Punjab, Rajasthan and Uttar Pradesh, charge women 1–2% less. Gujarat waives the registration fee for women buyers.
Is stamp duty charged on the agreement value or circle rate?
On whichever is higher — the price in your agreement or the government ready-reckoner (circle) rate for the property.
Can I get a home loan for stamp duty?
No. Banks do not finance stamp duty and registration, so keep 5–8% of the property price in savings.
