Stamp Duty Calculator
Calculate stamp duty and registration charges for property purchase in major Indian states.
Stamp duty rates across India
| State | Male | Female | Joint | Registration |
|---|---|---|---|---|
| Maharashtra | 5% (+1% metro cess in Mumbai) | 4% | 4.5% | 1% |
| Delhi | 6% | 4% | 5% | 1% |
| Karnataka | 5% (upto ₹45L), 5.6% above | 5% | 5% | 1% |
| Tamil Nadu | 7% | 7% | 7% | 1% |
| Uttar Pradesh | 7% | 6% | 6.5% | 1% |
| Gujarat | 4.9% | 4.9% | 4.9% | 1% |
| Rajasthan | 6% | 5% | 5.5% | 1% |
| West Bengal | 6% (upto ₹1Cr), 7% above | 6% | 6% | 1% |
| Kerala | 8% | 8% | 8% | 1% |
| Punjab | 7% | 5% | 6% | 1% |
Rates are indicative for 2025 and subject to change. Verify with your sub-registrar office before transacting.
Frequently asked questions
What is stamp duty on property in India?
Stamp duty is a state government tax levied on property transfer documents (sale deed). It is calculated as a percentage of the property's circle rate or the agreed sale price, whichever is higher. It is legally mandated and must be paid before registering the property.
Can women get a concession on stamp duty?
Yes, several states offer lower stamp duty rates for women buyers: Delhi (4% vs 6%), UP (6% vs 7%), Maharashtra (4% vs 5%), Punjab (5% vs 7%), and Rajasthan (5% vs 6%). The property must be registered in the woman's name to avail the concession.
What happens if stamp duty is not paid?
Non-payment or underpayment of stamp duty makes the document legally invalid and inadmissible as evidence in court. Authorities can demand payment of the deficit stamp duty plus a penalty of 2–10% per year. Property registration will be refused without proper stamp duty.
Is stamp duty deductible from income tax?
Yes. Under Section 80C of the Income Tax Act, stamp duty and registration charges paid for a residential property are deductible up to ₹1.5 lakh per year, subject to the overall 80C limit. This applies only for residential properties, not commercial.
What is the difference between stamp duty and registration charges?
Stamp duty is a tax paid on the sale deed document. Registration charges are fees paid to the sub-registrar's office for recording the transaction in government records and issuing the registered sale deed. Registration is typically 1% of the property value (subject to state-wise caps).