Stamp Duty & Property Registration Fee Calculator
Calculate state-wise stamp duty, sub-registrar registration charges, metro cess, and women homebuyer concessions across Maharashtra, Karnataka, Delhi, UP, Tamil Nadu, and more.
*Note: Duty is levied on the higher value between your Agreement Sale Price and the Government Circle / Ready Reckoner Rate (Sec 56(2)(x)).
Custom Stamp & Registration Rates:
Effective Government Levy: 7.60% of property value
- Standard Stamp Duty: 5% (Mumbai City) or 6% (MMR/Pune with 1% Metro Cess).
- Female Buyer Rebate: 1% concession on residential purchase (Effective 5%).
- Registration Fee: 1% of property value, capped at a maximum of ₹30,000 for properties above ₹30 Lakh.
Claim up to ₹1,50,000 Stamp Duty Deduction under Section 80C
Did you know? The amount paid towards stamp duty, registration charges, and official transfer fees is fully tax-deductible under Section 80C in the financial year of actual registration (under the Old Tax Regime).
Property Stamp Duty & Registration Guide (India 2026)
Circle Rate vs Agreement Value (Section 56(2)(x))
Every state revenue department establishes minimum benchmark values known as Circle Rates (Delhi/UP), Ready Reckoner Rates (Maharashtra), or Guidance Values (Karnataka).
Under Indian tax law, stamp duty and registration fees are calculated on whichever value is higher. If you purchase a flat for ₹60 Lakhs but the circle rate evaluates to ₹65 Lakhs, duty must be paid on ₹65 Lakhs. Furthermore, under Section 56(2)(x), the ₹5 Lakh difference is treated as taxable 'Income from Other Sources' for the buyer if it exceeds a 10% tolerance band.
Women Homebuyer Stamp Duty Benefits
To encourage female homeownership, state governments offer statutory concessions:
- Delhi: Women pay 4% stamp duty vs 6% for men (A direct 2% saving of ₹1,00,000 on a ₹50L home).
- Maharashtra: 1% rebate on residential properties for female sole owners.
- Gujarat: 100% waiver of registration fee (1% completely free) plus 1% stamp duty discount.
- Haryana: 2% discount in urban areas (5% vs 7%).
How to Pay Stamp Duty in India
Physical non-judicial stamp paper has been largely phased out in favour of digital methods:
- e-Stamping (SHCIL): Stock Holding Corporation of India issues tamper-proof certificates in Delhi, Karnataka, Gujarat, and UP.
- e-SBTR / GRAS: Maharashtra uses Government Receipt Accounting System (GRAS) for electronic Secure Bank Treasury Receipts.
- Kaveri 2.0: Karnataka enables complete online deed drafting and pre-registration fee collection.
Mandatory Registry Checklist
When appearing before the Sub-Registrar of Assurances, ensure you have:
- Original Sale Deed / Agreement to Sale signed by all parties.
- Proof of Stamp Duty & Registration fee challan receipts.
- PAN Cards and Aadhaar Cards of Buyer, Seller, and 2 neutral Witnesses.
- TDS Certificate (Form 26QB challan if property value exceeds ₹50 Lakhs under Section 194-IA).
- NOC from Society/Builder and municipal property tax receipt.
Quick Reference: State-Wise Property Registration Rates (2026)
| State | Male Stamp Duty | Female Stamp Duty | Registration Fee | Special Surcharges / Cesses |
|---|---|---|---|---|
| Maharashtra | 6% (5% + 1% Metro Cess) | 5% (1% Concession) | 1% (Max ₹30,000 cap) | 1% Local Body Tax in municipal corps |
| Karnataka | 5.6% (> ₹45L) | 5.6% | 1% (No Cap) | 10% Cess + 2% Surcharge on duty |
| Delhi | 6% | 4% (2% Concession) | 1% + ₹100 | 3% Transfer duty included |
| Uttar Pradesh | 7% | 6% (Max ₹10k discount) | 1% (Max ₹20k cap) | 2% local body tax included |
| Tamil Nadu | 7% | 7% | 4% | 11% composite transfer duty |
| Telangana | 5.5% + 1.5% Transfer Duty | 5.5% + 1.5% Transfer Duty | 0.5% | Total 7.5% transaction cost |
| Gujarat | 4.9% | 3.9% | 0% for Women (1% Men) | Full registration fee exemption for women |
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