Stamp Duty Calculator
Estimate stamp duty and registration charges on a property purchase, state by state. Compare male, female and joint buyer rates.
Mumbai, Pune and Nagpur add a 1% metro cess; rural areas charge less.
Stamp duty
₹3,00,000
6% of property value
Registration
₹30,000
1% (capped ₹30,000)
Total payable
₹3,30,000
6% + 1% on top of price
| Item | Rate | Amount |
|---|---|---|
| Property value | — | ₹50,00,000 |
| Stamp duty | 6% | ₹3,00,000 |
| Registration | 1% (capped) | ₹30,000 |
| Total payable | 7% max | ₹3,30,000 |
Maharashtra caps registration at ₹30,000, so the actual combined rate can be lower than the nominal total for higher-value properties.
Estimate uses current state rates. Actual duty depends on the circle rate, locality, property type and value, and recent state notifications. Confirm with your sub-registrar before registering.
How it works
Stamp duty = value × state rate. Registration = value × registration % (with cap). Total = duty + registration.
Example: ₹50L flat in Maharashtra (male) → duty 6% = ₹3,00,000 + registration ₹30,000 = ₹3,30,000.
Last updated: July 2026
How this calculator is verified
Checked by Rahim Virani on
- Duty computed on the higher of consideration and market value
- State-specific rate tables verified against the current state stamp act
- Registration and processing charges itemised separately from duty
The full verification method is on our how we verify page. Found an error? Tell us and we will re-check it.
When to Use This Calculator
Stamp duty and registration are among the biggest closing costs on any property purchase in India, and they vary by state, city, property value and even the buyer's gender. This calculator shows the stamp duty, registration charge and combined total for each state using current rates, so a home buyer in Maharashtra, Delhi, Karnataka or Haryana knows the real cost before signing. Women buyers can see the concession they qualify for — Delhi charges 4% for women versus 6% for men — and everyone can compare how the total changes with the circle-rate basis. It is the figure every buyer needs when budgeting for a flat or house, since duty is paid upfront at registration, not financed with the loan.
How to Use This Calculator
- Step 1: Enter the property value, which for a resale property is usually the higher of the agreement value and the state circle rate.
- Step 2: Select your state from the list, such as Maharashtra or Delhi, to load its duty and registration rates.
- Step 3: Choose the buyer's gender, since several states charge women a lower stamp duty rate.
- Step 4: Read the stamp duty, registration and total cards, plus the rate breakdown table, and note the registration cap where one applies.
Worked Example
A home buyer in Maharashtra agrees to buy a flat valued at 5,000,000. Selecting Maharashtra and a male buyer applies a 6% stamp duty rate and 1% registration, capped at 30,000. The stamp duty is 300,000 and registration is 30,000 — the uncapped 1% figure of 50,000 is reduced by the cap — for a total of 330,000 payable on top of the price. Choosing a female buyer drops the duty rate to 5%, cutting the total to 280,000.
Tips and Common Mistakes
- •Tip 1: Registration is capped in states such as Maharashtra, Delhi and Gujarat, so beyond a certain value the registration fee stops rising.
- •Tip 2: Stamp duty is payable on the circle rate where it exceeds the agreement value, so confirm the circle rate of your area before entering the amount.
- •Tip 3: Gender concessions are large in some states such as Delhi and Punjab, so check the female-buyer option if the property can be titled that way.
- ✗Mistake 1: Entering a circle-rate value when you actually paid the agreement value, which changes the duty to the higher figure.
- ✗Mistake 2: Treating the estimate as a final legal quote, since rates vary by city, ward and property type within the same state.
Stamp Duty Rates by State (Residential Property)
| Item | Value |
|---|---|
| Maharashtra (Male) | 6% |
| Maharashtra (Female) | 5% |
| Delhi (Male) | 4% |
| Delhi (Female) | 3% |
| Karnataka | 5.6% |
| Tamil Nadu | 7% |
| Gujarat | 4.9% |
Expert Note
Stamp duty rates are set by individual states, not the central government. Maharashtra charges 6% for male buyers and 5% for female buyers in urban areas, while Delhi charges 4% and 3% respectively. The registration fee is capped at ₹30,000 in Maharashtra and ₹30,000 in Delhi. Always verify the current circle rate of your specific ward, as it may differ from the agreement value.
What this figure assumes
Duty is levied on whichever is higher: the consideration stated in the deed or the circle rate / market value. Rates differ by state, by property type and in some states by the gender of the owner, so the correct figure depends on the registration district. Registration and processing charges are itemised separately from duty.
Rates and rules checked as of State rate tables as notified. These change with government notification — confirm against the linked source before you rely on the result.
Sources and References
- •Indian Stamp Act, 1899 (as amended by state governments)
- •Maharashtra Stamp Duty Notification, 2024
- •Delhi Stamp Rules, 2024 — Government of NCT of Delhi
Official sources are linked so you can confirm the current rate yourself. Check the linked page for the latest notification before relying on these figures.
Frequently Asked Questions
What is stamp duty on property?
Stamp duty is a state government tax on property transactions, paid when you register the sale deed. The rate differs by state, city, property type, value and the buyer's gender — women often get a concession.
Is registration charge the same as stamp duty?
No. Stamp duty is the larger tax paid to the state; the registration charge is a separate fee for recording the deed at the sub-registrar's office. This calculator shows both separately and their total.
Who gets a lower stamp duty rate in India?
Women pay less in several states — e.g. Delhi 4% vs 6%, Maharashtra 5% vs 6%, Haryana 5% vs 7%, J&K 3% vs 7%. Karnataka, Tamil Nadu, Telangana, Gujarat and Kerala give no gender concession.
How is stamp duty calculated on a property?
It is a percentage of the property value — usually the higher of the agreement value or the circle/guidance rate. Where the circle rate is higher, duty applies on that amount, so calculators are estimates.
Are these rates current and exact?
Rates reflect 2026 state notifications and match major metro figures. Actual duty can vary by locality, ward and recent state changes — confirm with your sub-registrar or a property lawyer before paying.
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