Stamp Duty Calculator
Calculate state-wise stamp duty & registration fees.
Instantly calculate exact Stamp Duty & Registration charges across Uttar Pradesh, Haryana, Delhi, Maharashtra, Karnataka and more — with female buyer concessions, circle rates, and total tax breakdown.
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Property & Buyer Details
Select the jurisdiction and ownership structure to apply exact statutory rates.
In UP, 7% stamp duty applies for males and 6% for female buyers (1% concession). Registration fee is 1% of property value. Under Indian tax laws, stamp duty is payable on whichever is higher between the agreed value and the government circle rate.
Stamp Duty & Fee Breakdown
Official statutory charges for Uttar Pradesh
₹6,00,000
8.00% of Property Value
₹5,25,000
7% Base Rate
Eligible for Sec 80C Tax Deduction
Claim up to ₹1,50,000 under Old Tax Regime in the year of registration.
State-by-State Stamp Duty Comparison for ₹75.00 L Property
Compare your total registration costs across key Indian states for the same property value.
| State / Region | Male Duty | Female Duty | Registration | Total Outlay (Male) |
|---|---|---|---|---|
| Uttar Pradesh | ₹5,25,000 (7%) | ₹4,50,000 (6%) | ₹75,000 | ₹6,00,000 |
| Haryana | ₹5,25,000 (7%) | ₹3,75,000 (5%) | ₹50,000 | ₹5,75,000 |
| Delhi | ₹4,50,000 (6%) | ₹3,00,000 (4%) | ₹75,000 | ₹5,25,000 |
| Maharashtra | ₹4,50,000 (6%) | ₹3,75,000 (5%) | ₹30,000 | ₹4,80,000 |
| Karnataka | ₹3,75,000 (5%) | ₹3,75,000 (5%) | ₹75,000 | ₹4,50,000 |
| Telangana | ₹4,50,000 (6%) | ₹4,50,000 (6%) | ₹37,500 | ₹4,87,500 |
| Tamil Nadu | ₹5,25,000 (7%) | ₹5,25,000 (7%) | ₹1,50,000 | ₹6,75,000 |
| Rajasthan | ₹4,50,000 (6%) | ₹3,75,000 (5%) | ₹75,000 | ₹5,25,000 |
| West Bengal | ₹4,50,000 (6%) | ₹4,50,000 (6%) | ₹75,000 | ₹5,25,000 |
| Gujarat | ₹3,67,500 (4.9%) | ₹3,67,500 (4.9%) | ₹75,000 | ₹4,42,500 |
Understanding Stamp Duty & Property Registration in India
Stamp duty and registration charges constitute the single largest mandatory closing cost when purchasing immovable property in India. Levied under the Indian Stamp Act, 1899 and respective state amendments, stamp duty is a legal tax paid to the state government to validate the transfer of property ownership in public land records.
Because stamp duty is a state subject, rates vary considerably across India — ranging from 4% in Delhi for women to 7% in Uttar Pradesh and Haryana, plus an additional 1% to 2% in registration fees. Crucially, stamp duty must be paid entirely out of pocket from the buyer’s own savings, as banks are legally barred under RBI guidelines from funding statutory taxes within a home loan.
This calculator computes the precise stamp duty, registration fee, and municipal cess across all Indian states, incorporates female buyer concessions, and calculates circle rate minimums so you never face shortfalls at the sub-registrar office.
Stamp Duty & Registration Rates by State (2025)
State governments periodically revise stamp duty rates and gender concessions to stimulate female property ownership and urban development. Below are the prevailing rates for major states.
| State / Region | Male Buyer | Female Buyer | Joint Ownership | Registration Fee |
|---|---|---|---|---|
| Uttar Pradesh (Noida / Gr. Noida) | 7.0% | 6.0% (1% Rebate) | 6.5% | 1.0% of property value |
| Haryana (Gurugram / Faridabad) | 7.0% (Urban) | 5.0% (2% Rebate) | 6.0% | Tiered fixed fee (Max ₹50,000) |
| Delhi (NCT) | 6.0% | 4.0% (2% Rebate) | 5.0% | 1.0% of property value |
| Maharashtra (Mumbai / Pune) | 6.0% (incl. 1% Metro Cess) | 5.0% (1% Rebate) | 5.5% | 1.0% (Capped at ₹30,000) |
| Karnataka (Bengaluru) | 5.0% + 12% Cess/Surcharge | 5.0% + 12% Cess | 5.0% + 12% Cess | 1.0% of property value |
| Telangana (Hyderabad) | 6.0% (Stamp + Transfer Duty) | 6.0% | 6.0% | 0.5% of property value |
| Tamil Nadu (Chennai) | 7.0% | 7.0% | 7.0% | 2.0% of property value |
| Rajasthan (Jaipur / Bhiwadi) | 6.0% + 20% Surcharge | 5.0% + 20% Surcharge | 5.5% + Surcharge | 1.0% (Max ₹4 Lakh) |
| Gujarat (Ahmedabad / GIFT City) | 4.9% | 4.9% | 4.9% | 1.0% (0% for Women - 100% Exempt) |
Women Buyer Concessions & Tax Incentives
Most Indian states offer significant stamp duty concessions (typically 1% to 2%) when a residential property is registered in the name of a woman, or jointly with a woman as the primary or co-owner.
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Substantial Capital Savings
On a ₹1.5 Crore apartment in Gurugram, a male buyer pays 7% stamp duty (₹10.5 Lakh), whereas a female buyer pays 5% (₹7.5 Lakh), saving an immediate ₹3 Lakh at registration.
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Lower Home Loan Interest Rates
Leading public and private sector banks (SBI, HDFC, ICICI) offer a 5 to 10 bps (0.05% - 0.10%) discount on home loan interest rates for female primary borrowers.
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Doubled Tax Benefits on Joint Registration
When registered jointly by a husband and wife who are co-borrowers on the home loan, both can claim up to ₹2 Lakh each under Section 24(b) (₹4 Lakh total) and up to ₹1.5 Lakh each under Section 80C (₹3 Lakh total).
Agreement Value vs. Circle Rate Valuation
Stamp duty is legally payable on whichever is higher: the actual transaction/agreement value or the government-notified minimum circle rate (also known as guidance value or ready reckoner rate).
If the circle rate exceeds the sale price, stamp duty must still be paid on the higher circle rate. Furthermore, under Section 56(2)(x) of the Income Tax Act, the differential amount between the circle rate and the sale price is treated as taxable "income from other sources" in the hands of the buyer if the gap exceeds 10%.
Income Tax Deductions on Stamp Duty
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Section 80C Claim
Under Section 80C of the Income Tax Act (Old Tax Regime), buyers can claim a tax deduction of up to ₹1,50,000 for stamp duty and registration fees paid during the financial year of purchase.
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One-Time Deduction Window
This deduction can only be claimed in the financial year in which the stamp duty was actually paid. It cannot be carried forward to subsequent assessment years.
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Lock-in Period Condition
The property must not be sold within 5 years of taking possession. If sold before 5 years, all Section 80C deductions claimed for stamp duty will be revoked and added back to your taxable income in the year of sale.
The E-Stamping & Registration Workflow
Physical non-judicial stamp papers have been largely replaced across India with secure SHCIL (Stock Holding Corporation of India Limited) E-Stamping and State Government Revenue Portals (such as IGRSUP in UP and Jamabandi in Haryana).
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1. Drafting the Conveyance / Sale Deed
Drafting the final deed incorporating clear title history, consideration amount, PAN numbers, property boundaries, and RERA registration details.
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2. Generating E-Stamp Certificate
Purchasing the digital e-stamp certificate from authorized bank branches or online SHCIL portals bearing a unique certificate identifier and QR code.
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3. Paying Registration Fees Online
Paying statutory registration fees via the state treasury portal and booking an appointment slot at the jurisdictional Sub-Registrar Office (SRO).
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4. Biometric Execution at Sub-Registrar
Physical appearance of Buyer, Seller, and two witnesses with Aadhaar verification and thumb impression capture at the Sub-Registrar office.
Frequently Asked Questions
What is stamp duty and why is it mandatory?
Stamp duty is a statutory tax levied by state governments under the Indian Stamp Act, 1899 on real estate transaction documents. Paying stamp duty legally validates property ownership and ensures the Sale Deed is admissible as valid evidence in a court of law. Without paying full stamp duty, the property cannot be registered in government land records.
How is stamp duty calculated on property in Uttar Pradesh (Noida / Greater Noida)?
In Uttar Pradesh, the standard stamp duty is 7% for male buyers and 6% for female buyers (1% rebate). For joint ownership (male + female), the rate is 6.5%. An additional 1% of the property value is charged as the registration fee. The duty is calculated on the higher of the agreed sale consideration or the total circle rate value.
What is the stamp duty rate in Haryana (Gurugram / Faridabad)?
In Haryana urban municipal areas (like Gurugram), stamp duty is 7% for male buyers, 5% for female buyers (2% rebate), and 6% for joint ownership. In rural/panchayat areas, the rate is 5% for men and 3% for women. Unlike other states with a 1% registration fee, Haryana charges a tiered fixed registration fee capped at ₹50,000 for properties valued above ₹25 Lakh.
Can stamp duty be included in my bank home loan?
No. As per Reserve Bank of India (RBI) regulatory directives, commercial banks and NBFCs are strictly prohibited from funding stamp duty, registration fees, and other statutory taxes within the sanctioned home loan. The buyer must fund 100% of the stamp duty from their own personal savings prior to registry.
What happens if I pay stamp duty below the circle rate?
If you register a property below the government circle rate, the Sub-Registrar will initiate a deficit stamp duty recovery proceeding with penalties under Section 47A. Additionally, under Section 56(2)(x) of the Income Tax Act, the difference between the circle rate and transaction price is treated as taxable income in the buyer’s hands.
Can I claim tax deduction for stamp duty under Section 80C?
Yes. Under Section 80C of the Income Tax Act (Old Tax Regime), an individual or HUF can claim a deduction of up to ₹1.5 Lakh for stamp duty and registration fees paid during the financial year of purchase. If buying jointly, both co-owners can claim up to ₹1.5 Lakh each, provided they contributed toward the payment.
Is stamp duty refundable if the property deal is cancelled?
Yes, in most states, unutilized e-stamps can be surrendered for a refund within 6 months from the date of purchase, subject to an administrative deduction of 10% to 20% by the State Revenue Department. Once a Sale Deed is formally registered at the Sub-Registrar, stamp duty cannot be refunded.
What is the difference between Stamp Duty and Registration Fee?
Stamp duty is a tax on the legal transfer deed that confers property ownership validity, typically ranging from 4% to 7% of property value. The registration fee is a processing fee paid to the Sub-Registrar Office for archiving the deed into public land records, usually 1% or a capped amount.
Do resale properties attract GST along with stamp duty?
No. Resale properties and ready-to-move properties with an Occupancy Certificate (OC) are completely exempt from Goods and Services Tax (GST). Buyers only pay Stamp Duty and Registration fees. GST (5% for standard residential, 1% for affordable) applies only to under-construction properties.
How do I purchase e-stamp paper online?
E-stamp certificates can be generated online through the official Stock Holding Corporation of India Limited (SHCIL) portal (shcilestamp.com) or authorized bank branches (SBI, PNB, Canara Bank, HDFC) and state revenue portals by entering buyer/seller details, PAN numbers, and property identification.
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