Stamp Duty and Registration Charges Calculator
Stamp duty is charged differently in every state, and the difference is large. Pick where the property is and see what registration will actually cost you.
These are approximate numbers worked out from what you entered. For an exact, government approved valuation report that a bank, court, tax officer or embassy will accept, talk to us.
The WhatsApp button carries everything you typed and everything this worked out, so you do not have to type any of it again.
Nothing you type here leaves your browser.
Why the same property costs different money to register
Stamp duty is a state subject. Each state sets its own rate, its own concessions and its own registration fee, and the spread between them is wider than most buyers expect.
Registering a property of the same value costs about 6 percent in Hyderabad, about 7 percent in Delhi for a male buyer, and about 11 percent in Chennai. On a one crore purchase that is a difference of five lakh rupees, paid on the day, in cash the bank will not lend you.
The concession for women buyers
Some states charge less when the buyer is a woman. Delhi charges 4 percent instead of 6. Maharashtra charges one percentage point less. Several states, including Karnataka, Tamil Nadu and West Bengal, make no distinction at all.
Where the concession exists it is worth real money, and buying jointly usually gets you a rate between the two. It is worth deciding this before the sale deed is drafted rather than after.
The trap: duty follows the official value, not your price
Duty is charged on the government's own value for the property or on the price in your agreement, whichever is higher.
So if you negotiate a good price on an old property whose circle rate is high, you still pay duty on the circle rate. Buyers discover this at the sub registrar's counter, which is a bad moment to discover it.
The gap between the two figures also has an income tax consequence. Where the official value exceeds the price by more than the tolerance limit, the difference can be taxed in the buyer's hands as income. That is the point at which a valuation report stops being paperwork and starts being a defence.
What is not in this estimate
Lawyer and deed drafting fees. Society transfer charges, which can be substantial in Mumbai. Mutation fees after registration. Any pending property tax or utility dues on the property, which become your problem the moment you own it.
Budget a little above the number this tool gives you, and confirm the current rate with the sub registrar's office before the day itself.
Questions people ask us
- Is stamp duty charged on the price I pay or the circle rate?
On whichever is higher. If the circle, guideline or ready reckoner value of the property exceeds your agreed price, duty is charged on that higher official value.
- Do women really pay less stamp duty?
In some states. Delhi charges 4 percent instead of 6, and Maharashtra charges a percentage point less. Karnataka, Tamil Nadu and West Bengal give no concession on the basis of the buyer.
- Can stamp duty be added to my home loan?
Generally no. Banks lend against the property value and expect stamp duty, registration and your own margin to come from you, which is why buyers need this figure early.
- What happens if I under declare the price to save duty?
The sub registrar can refer the document for valuation, duty is recovered with penalty, and the difference between the official value and the declared price can be taxed as income in the hands of the buyer. It is not a saving worth chasing.
Checked by Parish Rao, Chartered Engineer and Government Approved Valuer (Registration number CAT-I/443/117/2000-01).
Page last checked on 7 October 2026.