Stamp Duty Calculator
Calculate stamp duty and registration charges for your property purchase. Compare rates across 15 Indian states with gender-based discounts.
Stamp Duty
₹3,00,000
Registration Charges
₹50,000
Total Govt Charges
₹3,50,000
Charges Breakdown — Maharashtra
Effective Rate: 7%
Stamp Duty Rates Across States
| State | Male | Female | Registration |
|---|---|---|---|
| Maharashtra | 6% | 5% | 1% |
| Karnataka | 5% | 5% | 1% |
| Delhi | 6% | 4% | 1% |
| Tamil Nadu | 7% | 7% | 4% |
| Uttar Pradesh | 7% | 6% | 1% |
| Telangana | 6% | 6% | 0.5% |
| Kerala | 8% | 8% | 2% |
| Rajasthan | 6% | 5% | 1% |
| West Bengal | 7% | 7% | 1% |
| Gujarat | 4.9% | 4.9% | 1% |
| Madhya Pradesh | 7.5% | 6.5% | 3% |
| Haryana | 7% | 5% | 0% |
| Punjab | 7% | 5% | 1% |
| Andhra Pradesh | 5% | 5% | 0.5% |
| Goa | 3.5% | 3.5% | 1% |
What is Stamp Duty?
Stamp duty is a tax levied by state governments on the transfer of property. It is a mandatory charge that must be paid during property registration to make the transaction legally valid. The stamp duty rate varies from state to state and is calculated as a percentage of the property's market value or agreement value, whichever is higher. Along with stamp duty, you also pay registration charges to register the property in your name at the sub-registrar's office.
How is Stamp Duty Calculated?
Stamp duty is calculated using a simple formula:
- Stamp Duty = Property Value × State Stamp Duty Rate
- Registration Charges = Property Value × State Registration Rate
- Total Government Charges = Stamp Duty + Registration Charges
Many states offer a 1-2% discount for female buyers, making it financially beneficial to register property in a woman's name. States like Delhi, Haryana, Rajasthan, and Punjab offer significant discounts for women.
State-Wise Stamp Duty Highlights
- Lowest rates: Goa (3.5%), Gujarat (4.9%), and Andhra Pradesh (5%)
- Highest rates: Kerala (8%), Madhya Pradesh (7.5%), and Tamil Nadu, UP, West Bengal (7%)
- Best gender discounts: Delhi (6% male, 4% female), Haryana (7% male, 5% female)
- Highest registration: Tamil Nadu (4%), Madhya Pradesh (3%)
FAQ: Can stamp duty be claimed as tax deduction?
Yes, stamp duty and registration charges paid for a residential property can be claimed as a deduction under Section 80C of the Income Tax Act, up to a combined limit of ₹1.5 lakh per financial year. This deduction is available only in the year the charges are paid and only under the old tax regime. The property must be residential, and you should not sell it within 5 years of purchase to retain the deduction.
FAQ: When should stamp duty be paid?
Stamp duty must be paid before or at the time of property registration. In most states, the property sale deed must be registered within 4 months of execution. Delayed payment attracts a penalty of 2% per month (up to 200% of the deficit stamp duty in some states). It is advisable to pay stamp duty promptly to avoid penalties and legal complications.
FAQ: Is stamp duty different for resale and new properties?
The stamp duty rate is the same for both new and resale properties in most states — it is a percentage of the property value. However, for resale properties, the stamp duty is calculated on the higher of the agreement value or the circle rate (government-set minimum value). Some states offer reduced rates for affordable housing (properties below a certain value) or for first-time buyers.