Stamp Duty Calculator
Select the state, enter the property market value, and see the stamp duty and registration charges you will pay.
Runs entirely in your browser — your numbers never leave this page.
How it works
Stamp duty is the state tax that makes your property purchase legally valid; registration charges are the fee for recording the sale deed with the government. Both are calculated on the property's market value:
Stamp duty = Property value × State rate
Registration fee = Property value × Registration rate (subject to cap)
- Maharashtra (Mumbai): 6% male / 5% female / 6.5% joint, including 1% metro cess. Registration 1%, capped at ₹30,000. (Pune, Thane, Nagpur run higher at 7%/6% with local surcharges.)
- Karnataka: 2% up to ₹20L, 3% for ₹20–45L, 5% above ₹45L — same for all genders. Registration 2% (raised from 1% on 31 Aug 2025), no cap.
- Delhi: 6% male / 4% female / 5% joint. Registration 1% flat, no cap. (NDMC and cantonment areas have lower slabs.)
- Tamil Nadu: 7% stamp duty for everyone; registration 4% (3% for women buyers on properties up to ₹10L, from 1 Apr 2025).
Duty is charged on whichever is higher: your agreement value or the government's ready-reckoner / circle / guideline value for the area.
Frequently asked questions
What is stamp duty?
A state-government tax on property transactions. Paying it (with a stamped sale deed) is what makes your ownership legally valid — without it, the transfer isn’t recognised.
How is stamp duty calculated?
Property value × the state rate. The “value” is the higher of your agreement price and the government’s ready-reckoner / circle / guideline value for that location.
Why do stamp duty rates differ by state and gender?
Stamp duty is a state subject, so each state sets its own rates. Several states give women buyers a 1–2% concession to encourage property ownership in women’s names.
Why is Mumbai 6% for men and 5% for women?
Maharashtra’s base rate plus a 1% metro cess for Mumbai’s infrastructure. Women get a 1% concession — a deliberate policy to promote women homebuyers, active since 2021.
Why did Karnataka raise registration to 2%?
Effective 31 August 2025, Karnataka doubled registration charges from 1% to 2% — the first revision since 2003 — citing revenue shortfalls. Stamp duty slabs (2/3/5%) were unchanged.
Do NDMC and cantonment areas in Delhi really pay less?
Yes. NDMC areas charge 5.5% male / 3.5% female / 4.5% joint, and Delhi Cantonment charges a flat 3% for everyone. Registration stays 1% everywhere in Delhi.
Why is Tamil Nadu the most expensive at 11%?
Tamil Nadu levies 7% stamp duty plus 4% registration — the highest combined rate among major states. There is no cap, so on a ₹1 crore property the statutory cost alone is ₹11 lakh.
What is circle rate / guideline value / ready reckoner?
Different names for the same thing: the minimum value the government assigns to property in an area. Stamp duty is computed on this value if your agreement price is lower.
What happens if I underpay stamp duty?
The document can be impounded, you’ll pay the deficit plus penalties (often 2% per month), and an under-stamped deed is weak evidence of ownership in court.
Can I claim stamp duty as a tax deduction?
Yes. Stamp duty and registration fees paid for a house are deductible under section 80C (within the ₹1.5 lakh limit), but only in the year of payment.