Estimate stamp duty and registration charges on a property purchase across Indian states, by buyer category and area type.
About these figures
Stamp duty rates vary by state, buyer category and area, and change with state budgets. Registration is taken as 1% of property value (typical; some states cap or vary it). These are estimates from the rates on record — always confirm the current rate with your state sub-registrar before transacting.
How stamp duty is calculated
Stamp duty is a state tax charged as a percentage of the higher of the agreement value and the government’s circle rate (ready reckoner rate). Registration charges are added on top, usually 1% of the value, sometimes with a cap. Rates differ by state, by urban or rural area, and often by buyer — many states give women buyers a 1–2% concession.
Worked example
An ₹80 lakh flat in Mumbai: stamp duty at 6% (5% plus 1% metro cess) is ₹4.8 lakh, and registration at 1% is capped at ₹30,000, so about ₹5.1 lakh in total. A woman buyer would pay 1% less stamp duty under Maharashtra’s concession, saving ₹80,000.
Budgeting tips
- Banks do not usually finance stamp duty, so keep it in your down-payment budget.
- If the circle rate is higher than your agreed price, duty is charged on the circle rate.
- Stamp duty and registration can be claimed under Section 80C in the old regime in the year paid, within the ₹1.5 lakh limit.
State-by-state rates are in our stamp duty and registration guide, and the full process is in property registration step by step.
FAQs
Who pays stamp duty, buyer or seller?
The buyer, unless the agreement says otherwise.
Is stamp duty refundable if the deal is cancelled?
Most states allow a refund application within a set period, minus a deduction.
Figures last checked October 2026. Calculator results are estimates; actual lender, fund or tax outcomes can differ.