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Stamp Duty Calculator

Stamp duty and registration charges on a property purchase, by state. Includes women's concessions, joint-ownership rules, and source links to every state's IGR portal.

Last updated:

I am buying as

Result

Stamp duty
₹3,75,000
Registration fee
₹1,50,000
Total payable₹5,25,000

10.50% of property value

Worth knowing

  • Uniform 7.5% on the higher of consideration or guideline value in urban (nagar nigam/palika) areas — comprises base stamp duty + municipal duty + Janpad/RGI duty. Panchayat areas attract a slightly lower combined rate. Note: Madhya Pradesh does not currently offer a stamp-duty concession to women buyers (the earlier 2% rebate was discontinued). Verify against the SAMPADA portal before any transaction.
What this calculator does not include
  • GST on under-construction properties (typically 5% for non-affordable housing, 1% for affordable — paid to the builder, not the state).
  • Society / builder transfer or maintenance dues, brokerage, legal fees, loan processing charges.
  • Municipal property tax (an annual recurring cost, separate from one-time stamp duty).
  • District-level or city-level surcharges where they apply (e.g. Karnataka's urban surcharge above ₹45 lakh, Maharashtra metro cess outside the cities already modelled).
  • Discounts available under specific state schemes (first-time homebuyer, senior citizen, government employee, etc.).

How stamp duty is calculated

Stamp duty is a state tax payable on the sale deed at the time of registration. It is calculated as a percentage of the higher ofthe consideration (the price you agreed to pay) and the government's guideline / circle / ready-reckoner value for the locality. So if you pay ₹80 lakh for a flat whose circle value is ₹1 crore, you pay stamp duty on ₹1 crore.

The registration fee is a separate charge, levied under the Registration Act, 1908. It is also a percentage of the same value (some states cap it, like Maharashtra at ₹30,000), and is paid to the sub-registrar's office to record the deed.

Why women buyers often pay less

Most states grant a concessional stamp-duty rate to women buyers (typically 1–2% lower than the male rate) as a policy lever to encourage women's property ownership. The exact concession varies — Maharashtra and AP grant 1%, Punjab grants 2%, J&K grants 4%, Kerala and Tamil Nadu grant none. Joint ownership rules also vary: in Delhi, one-male-one-female joint buyers pay 5% (the average of 6% male and 4% female).

The buyer-profile selector above picks the most-specific rule that applies to you.

Why our number can differ from a builder's quote

  • Surcharges and cesses.Some states layer extra charges on top of the headline stamp duty (Maharashtra metro cess, Karnataka urban surcharge above ₹45 lakh, Telangana transfer fee). Where we already model these, the calculator shows the all-in number. Where we don't, the "worth knowing" section flags it.
  • Urban vs rural. Haryana and a few other states charge different rates inside municipal limits vs outside. This calculator currently uses the urban rate as the default.
  • Guideline value vs market value. Builders often compute on the agreement amount; the sub-registrar will compute on the higher of consideration or guideline value. The two can differ by 10–25%.
  • One-off rebates and schemes. First-time buyer, senior citizen, government-employee, and affordable-housing schemes sometimes reduce the headline rate further. Always check the current state schedule before registration.

Verify before you sign

Every state-level rule in this calculator carries a lastVerifiedAtdate and a source URL pointing to the state's IGR or registration portal. For a real transaction, open the source for your state, confirm the rate against the current schedule, and ask the sub-registrar or your advocate for the exact municipal-area surcharge that applies. See the methodology page for how every data record is sourced, and the disclaimer for what this tool does and does not promise.

Stamp duty in your state

Each of these links is a dedicated landing page for one state — handy if you want a state-specific URL to share or bookmark.