Stamp Duty Calculator

Property stamp duty & registration charges by state
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Total Charges
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Stamp Duty
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Registration Fee
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Property Value
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What is stamp duty (India property)?

Stamp duty is a state government tax on property purchase or transfer, calculated as a percentage of the property's value. Registration fees are additional. Together, they add 5–10% to the total cost of buying property in India — a significant amount to budget for.

Formula used

Stamp Duty = Property value × State stamp duty rate Registration fee = Property value × Registration rate (usually 1%) Total charges = Stamp duty + Registration fee Indicative rates (FY 2024-25): Maharashtra: 5% (male), 4% (female) + 1% registration Karnataka: 5.6% + 1% registration Delhi: 6% (male), 4% (female) + 1% registration Tamil Nadu: 7% + 1% registration

How to use this calculator

  1. Select your state
  2. Select buyer type (male / female — women get concessions)
  3. Enter property value
  4. Click Calculate

Example

Example — ₹50 lakh flat in Mumbai (male buyer):
Stamp duty (5%): ₹2,50,000 | Registration (1%, capped ₹30K in MH): ₹30,000
Total: ₹2,80,000 → True cost = ₹52,80,000

Female buyer savings (Maharashtra):
4% vs 5% = save ₹50,000 on ₹50L property
This is why many properties are registered in the wife's name.

Total transaction costs to budget:
Stamp duty + registration + GST (under-construction only: 5%) + society transfer charges + home loan processing fee = typically 7–10% of property value

Frequently asked questions

Usually not. Most banks don't finance stamp duty. Budget for it from your own savings (10% of property value is a safe planning figure for all transaction costs).
Yes — stamp duty and registration fees for residential property are deductible under Section 80C (up to ₹1.5L limit) in the year of payment.
Government sets a minimum circle rate for each area. Stamp duty is on whichever is higher — agreement value or circle rate. Buying below circle rate forces you to pay duty on the higher circle rate.