Stamp Duty Calculator
Use this stamp duty calculator to compute the total registration cost for your property purchase across 15 major Indian states. The calculator applies current 2026 rates including state-specific stamp duty percentages, registration fees with state-wise caps, and the women-buyer concessions where applicable. On a ₹1 crore property, total stamp duty + registration can range from ₹3 lakh (Punjab female) to ₹11 lakh (Tamil Nadu) — a 3.5× swing depending on state and gender.
This property registration charges calculator handles the most important nuances: Maharashtra's tier system (6% in Mumbai municipal, 4% in council areas, 3% in Gram Panchayat), Telangana's GHMC vs non-GHMC distinction, Karnataka's slab system for properties under ₹45 lakh, and the gender concessions in Delhi (2% off), Punjab (3% off), Haryana (2% off), Maharashtra (1% off), Rajasthan (1% off), UP (1% off), and Gujarat (2% off). Tamil Nadu and Telangana don't offer gender-based concessions — be aware before structuring your registration.
How this calculator works
What is stamp duty?
Stamp duty is a state-government tax on property transactions, governed by the Indian Stamp Act 1899 and respective state-level stamp acts (Maharashtra Stamp Act 1958, Karnataka Stamp Act 1957, etc.). It's paid by the buyer at the time of property registration and is non-refundable. The duty makes the sale deed legally valid — without proper stamp duty payment, your property document is not admissible in court as evidence of ownership.
The four components of total registration cost
- Stamp duty — main tax, typically 3% to 8% of property value depending on state
- Registration fee — charged for recording the deed in government registry, typically 1% (capped at ₹30,000-₹60,000 in many states)
- Transfer duty — Telangana levies an additional 1.5% on top of stamp duty for all property transfers; few other states have similar charges
- Cess and surcharges — some municipalities levy local cess (e.g., Mumbai metro cess of 1% on properties in MMR, Maharashtra metro cess in select districts)
Current state-wise stamp duty rates — 2026
| State | Male | Female | Joint | Reg. fee |
|---|---|---|---|---|
| Maharashtra (Mumbai municipal) | 6% | 5% | 6% | 1%, max ₹30,000 |
| Maharashtra (other cities) | 7% | 6% | 7% | 1%, max ₹30,000 |
| Karnataka (above ₹45L) | 5% | 5% | 5% | 1% |
| Karnataka (under ₹45L) | 3% | 2% | 3% | 1% |
| Tamil Nadu | 7% | 7% | 7% | 4% |
| Delhi | 6% | 4% | 5% | 1% |
| Uttar Pradesh | 7% | 6% | 6.5% | 1% |
| Haryana | 7% | 5% | 6% | 1%, max ₹50,000 |
| Telangana (GHMC) | 5.5% + 1.5% transfer | same | same | 0.5% |
| Telangana (outside GHMC) | 5% + 1.5% transfer | same | same | 0.5% |
| Gujarat | 5% | 3% | 4% | 1% |
| Rajasthan | 6% | 5% | 5.5% | 1% |
| Punjab | 6% | 3% | 4.5% | 1% |
| West Bengal | 6% | 6% | 6% | 1% |
| Madhya Pradesh | 7.5% | 7.5% | 7.5% | 3% |
| Kerala | 8% | 8% | 8% | 2% |
How stamp duty is calculated
Stamp duty is computed on the higher of: (a) actual sale value (agreement price), or (b) circle rate / guidance value / ready reckoner value (the government-notified minimum value for that locality). You cannot reduce stamp duty by understating the sale price in the agreement — the sub-registrar automatically applies the higher of the two values.
Women buyer concessions — strategic registration
Several states offer reduced stamp duty when property is registered in a woman's name. Maximum savings:
- Delhi: 2% concession (4% vs 6% for males) — saves ₹2 lakh on a ₹1 crore property
- Punjab: 3% concession (3% vs 6%) — saves ₹3 lakh on ₹1 crore
- Haryana: 2% concession (5% vs 7%) — saves ₹2 lakh on ₹1 crore
- Gujarat: 2% concession (3% vs 5%) — saves ₹2 lakh on ₹1 crore
- Maharashtra: 1% concession (5% vs 6% in Mumbai)
- Rajasthan: 1% concession
- UP: 1% concession (capped at ₹1 crore property value)
Joint registration (male + female) typically attracts a midpoint rate. Karnataka, Tamil Nadu, Telangana, West Bengal and Kerala don't offer gender-based concessions.
Tax deduction on stamp duty
Under the old tax regime, stamp duty and registration charges paid for purchasing a residential property qualify for deduction under Section 80C, capped at ₹1.5 lakh combined with all other 80C investments. The deduction is available only in the year of purchase. Under the new tax regime, this deduction is unavailable. Investors should plan their 80C utilisation carefully in the year of property registration to maximise the benefit.
Worked example
Example 1 — ₹80 lakh flat in Mumbai municipal area, registered in wife's name:
- Property value: ₹80,00,000 (assume circle rate matches)
- Maharashtra female stamp duty (Mumbai): 5% = ₹4,00,000
- Registration: 1% capped at ₹30,000
- Total: ₹4,30,000
- vs male registration: 6% = ₹4,80,000 + ₹30,000 = ₹5,10,000 — saves ₹80,000 by registering in wife's name
Example 2 — ₹1.2 crore property in Hyderabad (within GHMC):
- Property value: ₹1,20,00,000
- Stamp duty: 5.5% = ₹6,60,000
- Transfer duty: 1.5% = ₹1,80,000
- Registration: 0.5% = ₹60,000
- Total: ₹9,00,000 (7.5% of property value)
- No gender concession in Telangana — same total regardless
Example 3 — ₹50 lakh apartment in Delhi, registered in woman's name:
- Property value: ₹50,00,000
- Delhi female stamp duty: 4% = ₹2,00,000
- Registration: 1% = ₹50,000
- Total: ₹2,50,000
- vs male registration: 6% = ₹3,00,000 + ₹50,000 = ₹3,50,000 — saves ₹1,00,000
- Plus claim ₹1.5 lakh under 80C in old regime — direct tax saving of ₹45,000-46,800 (30% slab + cess) in the year of purchase.