Stamp Duty Calculator
Calculate stamp duty and registration charges on property purchase. State-wise rates with male/female/joint ownership options.
Property Details
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Market value or circle rate (whichever higher)Rates vary by state
Female owners get concession in most states
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Enter property details to calculate stamp duty
Understanding Stamp Duty
Stamp duty is a tax levied by state governments on property transactions. It validates the legal ownership transfer. Registration charges are separate (typically 1% of property value).
What is Stamp Duty?
- Purpose: Legal proof of property ownership transfer
- Levied by: State Government (varies by state)
- Paid by: Buyer (unless otherwise agreed)
- When: At the time of property registration
- Calculation Base: Market value OR Circle rate (whichever higher)
State-wise Stamp Duty Rates
| State | Male | Female | Joint |
|---|---|---|---|
| Maharashtra | 6% | 5% ✓ | 6% |
| Delhi | 6% | 4% ✓ | 6% |
| Karnataka | 5% | 5% | 5% |
| Tamil Nadu | 7% | 7% | 7% |
| Gujarat | 4.9% | 4.9% | 4.9% |
| Rajasthan | 6% | 5% ✓ | 6% |
| Uttar Pradesh | 7% | 6% ✓ | 7% |
| West Bengal | 6% | 6% | 6% |
| Telangana | 5% | 5% | 5% |
| Andhra Pradesh | 5% | 5% | 5% |
| Kerala | 8% | 8% | 8% |
| Haryana | 7% | 5% ✓ | 7% |
| Madhya Pradesh | 7.5% | 7.5% | 7.5% |
| Punjab | 7% | 5% ✓ | 7% |
Female Concession
- Benefit: Lower stamp duty rate for female sole owners
- Savings: 1-2% of property value
- Example: Maharashtra — Male: 6%, Female: 5% (save 1%)
- Delhi: Best concession — Male: 6%, Female: 4% (save 2%!)
- Eligibility: Property in female's sole name
Registration Charges
- Rate: Typically 1% of property value (varies by state)
- Purpose: Recording the deed in government records
- Mandatory: Must be done within 4 months of agreement
- Late Fee: Penalty for delayed registration
Circle Rate vs Market Rate
- Circle Rate: Minimum value set by government (area-wise)
- Market Rate: Actual transaction price
- Stamp Duty Base: Higher of the two
- Example: Bought @ ₹50L, Circle Rate ₹60L → Stamp duty on ₹60L
Stamp Duty Calculation Examples
Example 1: Male Owner (Maharashtra)
- Property Value: ₹50,00,000
- Stamp Duty (6%): ₹3,00,000
- Registration (1%): ₹50,000
- Total Charges: ₹3,50,000
- Total Cost: ₹53,50,000
Example 2: Female Owner (Maharashtra)
- Property Value: ₹50,00,000
- Stamp Duty (5%): ₹2,50,000
- Registration (1%): ₹50,000
- Total Charges: ₹3,00,000
- Savings vs Male: ₹50,000!
Joint Ownership
- Rate: Usually same as male rate
- Exception: Some states give concession if wife is co-owner
- Benefit: Better than sole male ownership in some states
- Example: Delhi — Joint ≈ 5% (vs Male 6%)
Additional Charges
- Legal Fees: Lawyer charges (₹10K-₹50K)
- Notary Charges: ₹1K-₹5K
- Society Transfer Fee: ₹5K-₹50K (if applicable)
- Miscellaneous: Affidavit, photocopies, etc.
Stamp Duty Payment Methods
- Online Payment: State government portals (recommended)
- Stamp Vendor: Authorized shops
- E-Stamping: Digital stamp paper
- Franking: At authorized banks
Stamp Duty Exemptions / Rebates
- First-time Buyer: Some states offer concessions
- Affordable Housing: Reduced rates for < ₹45L properties
- Transfer to Immediate Relative: Lower rates (1-2% only)
- Government Schemes: PMAY, etc. may have benefits
Important Documents
- Sale deed (agreement to sell)
- Property papers (title deed, encumbrance certificate)
- PAN card, Aadhaar (buyer & seller)
- Stamp duty & registration receipts
- NOC from builder/society
Timeline
- Pay Stamp Duty: Before or at time of registration
- Register Property: Within 4 months of agreement
- Late Registration: Penalty + interest (10% pa)
- Grace Period: Varies by state
Common Mistakes
- ❌ Not considering circle rate (under-declaration)
- ❌ Missing female concession benefit
- ❌ Delayed registration (penalty applies)
- ❌ Not verifying encumbrance certificate
- ❌ Paying to wrong government portal
Pro Tips
- ✅ Register property in female's name (if eligible) — save 1-2%
- ✅ Check circle rate before finalizing deal
- ✅ Pay online (faster, transparent, get receipt)
- ✅ Complete registration within 4 months (avoid penalty)
- ✅ Keep all receipts (stamp duty deductible under 80C in first year)
- ✅ Verify property encumbrance certificate before purchase
Stamp Duty Deduction (Section 80C)
- Stamp duty & registration charges are eligible for 80C deduction
- Only in the year of purchase
- Combined 80C limit: ₹1.5 lakh
- Can claim even if loan is not taken