Stamp Duty and Registration Calculator
Stamp duty and registration fee by state, for men and women
| Item | Rate | Amount |
|---|---|---|
| Value charged on | price | ₹75,00,000 |
| Stamp duty | 5% | ₹3,75,000 |
| Metro cess | 1% | ₹75,000 |
| Registration fee | 1%, max ₹30,000 | ₹30,000 |
| Total | 6.40% | ₹4,80,000 |
Runs entirely in your browser. Nothing you type or upload is sent to us or stored.
Results are estimates, not financial advice. Rates, charges and rules change, so confirm with your bank, post office or a financial adviser before you decide. Terms of use
How to Use
- Choose your State or union territory. Where the rate depends on the area or the kind of property (Maharashtra, Karnataka, Tamil Nadu, Telangana, UP, West Bengal, Haryana), pick that too.
- Enter the Property price (agreement value) from your agreement.
- If you know it, enter the Government value (circle rate, ready reckoner or guidance value × area). Duty is charged on whichever is higher.
- Choose the Buyer: Man, Woman or Man + woman. Several states charge women less.
- The stamp duty, any cess or surcharge, the registration fee, the Stamp duty + registration total and the effective rate update as you type. States marked approximate should be confirmed with the sub-registrar; for anywhere else, choose Other: enter the rates myself and type in the rates.
Stamp duty and registration charges in India
When you buy a flat, house or plot, the sale deed has to be stamped and registered with the sub-registrar. Stamp duty is a state tax on the deed; the registration fee is what the state charges to record it. Together they usually add 5% to 11% to the price, and banks don't include them in a home loan, so you need the cash. This stamp duty calculator works out both for each state, as of October 2026.
How it is worked out
Stamp duty = value × state rate (for the area and buyer)
+ cess / surcharge / metro cess, where the state levies them
+ registration fee (usually 1%, sometimes capped)
The government value goes by different names: ready reckoner rate in Maharashtra, circle rate in Delhi and UP, guidance value in Karnataka, guideline value in Tamil Nadu, jantri in Gujarat, DLC rate in Rajasthan. If your price is below it, you pay duty on the government value.
Rates in the larger states (October 2026)
| State | Stamp duty (man / woman) | Registration |
|---|---|---|
| Maharashtra (Mumbai) | 6% / 5% incl. 1% metro cess | 1%, max ₹30,000 |
| Maharashtra (Pune, Thane, Nagpur) | 7% / 6% | 1%, max ₹30,000 |
| Delhi | 6% / 4% (5% joint) | 1% + ₹100 |
| Karnataka | 5% + 10% cess + 2–3% surcharge on duty | 2% |
| Tamil Nadu (resale) | 7% | 4% |
| Telangana (towns) | 5.5% + 1.5% transfer duty | 0.5% |
| Gujarat | 4.9% | 1% (nil for women) |
| Uttar Pradesh (cities) | 7% / 6% up to ₹1 crore | 1% |
| West Bengal (urban) | 6%, 7% above ₹1 crore | about 1% |
| Rajasthan | 6% / 5% + 30–33% surcharge on duty | 1% |
| Haryana (urban) | 7% / 5% (6% joint) | Fixed fee, max ₹50,000 |
| Punjab | 7% / 5% (6% joint) | 1%, max ₹2 lakh |
| Kerala | 8% | 2% |
| Andhra Pradesh | 5% + 1.5% transfer duty | 1% |
Each state's figures in the calculator carry the source and the date we checked them. For the states marked approximate (Madhya Pradesh, most north-eastern states and the smaller UTs), we couldn't confirm the current rate from an official source, so confirm it with the sub-registrar or the state's online fee calculator.
Example: a ₹75 lakh flat
A man buying a ₹75 lakh flat in Mumbai pays 5% stamp duty (₹3,75,000), 1% metro cess (₹75,000) and a registration fee of ₹30,000 because of the cap: ₹4,80,000 in all, or 6.4% of the price. If his wife buys it alone, the duty falls to 4% and the total to ₹4,05,000. The same flat in Bengaluru would cost ₹5,70,000 including the new 2% registration fee, and in Delhi ₹5,25,100.
Ways to pay less, legally
- Buy in a woman's name where there's a concession: Delhi, UP (up to ₹1 crore), Haryana, Punjab, Rajasthan, Maharashtra (women only, not joint with a man), and Gujarat for the registration fee. Ownership, not just the name, should be genuine.
- Check the property type. Tamil Nadu charges 4% to 5% on new flats sold with the land share in one deed; Karnataka has reported lower rates on the first sale of cheaper apartments.
- Don't under-declare the price. Duty is charged on the government value anyway, and a price below it can bring income tax questions for both buyer and seller.
Stamp duty and registration paid on a house you live in count towards the ₹1.5 lakh section 80C limit in the year you pay them, but only in the old tax regime.