Stamp Duty & Registration Calculator
Stamp duty and registration charges in 12 Indian states, from each state’s official source, with the women buyer concession where the state grants one.
Stamp duty is a state tax on the transfer of property, paid before the sale deed is registered. It is charged on the higher of the agreement value or the government-notified circle rate (called ready reckoner rate in Maharashtra, guidance value in Karnataka), so a below-circle-rate deal does not reduce the duty.
Several states charge women buyers less — Delhi 2%, Haryana 2%, Maharashtra and Rajasthan 1% — which on an ₹80 lakh flat is worth ₹80,000 to ₹1,60,000.
How stamp duty is charged
Duty is a percentage of the higher of the agreement value and the state's notified circle rate. Registration is usually a separate 1%, capped in some states. Both are paid before the sub-registrar will register the deed, and both are due in full at registration — no lender funds them.
Rates by state (urban, from official sources)
| State | Male | Female | Registration |
|---|---|---|---|
| Maharashtra | 5% | 4% | 1% (max ₹30,000) |
| Delhi | 6% | 4% | 1% + ₹100 |
| Karnataka | 5% + surcharge | 5% + surcharge | 2% |
| Tamil Nadu | 7% | 7% | 2% |
| Uttar Pradesh | 5% | 4% on first ₹10 lakh | 2% (max ₹20,000) |
| Telangana | 5.5% + 1.5% transfer | same | 0.5% |
| Haryana | 7% | 5% | Slab, max ₹50,000 |
| Rajasthan | 6% + 30% surcharge | 5% + 30% surcharge | 1% |
| West Bengal | 6% (+1% over ₹1 cr) | same | 1% |
| Madhya Pradesh | 9.5% incl. upkar | same | 3% |
| Punjab | 5% + 1% cess + 1% PIDB | same | 1% (max ₹2 lakh) |
| Kerala | 8% | 8% | 2% |
Each state page links the official source the rate was read from on 19 September 2026, and flags sources that are dated. Rural and panchayat rates are lower in several states. Gujarat and Andhra Pradesh are not listed because no current official rate table could be confirmed. Always check with the sub-registrar before you budget.
A worked example
An ₹80 lakh flat in Pune bought in a woman's name: duty at 4% is ₹3,20,000, registration at 1% is capped at ₹30,000, so ₹3,50,000 — against ₹4,30,000 if bought in a man's name. The concession alone is ₹80,000.
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Create your free property pageFrequently asked questions
Is stamp duty calculated on the agreement value or circle rate?
On whichever is higher. If you buy below the circle rate, duty is still charged on the circle rate, and the difference can also be taxed as income under Section 56(2)(x) beyond a 10% tolerance.
Do women pay less stamp duty in India?
In several states, yes — Delhi (4% vs 6%), Haryana (2% less), Maharashtra and Rajasthan (1% less), and UP (4% on the first ₹10 lakh). The official tables for Karnataka, Tamil Nadu, Telangana, Kerala and Punjab list no separate rate for women.
Can I claim stamp duty on tax?
Yes. Stamp duty and registration charges qualify under Section 80C, but only in the financial year they are actually paid, and within the overall ₹1.5 lakh 80C limit shared with EPF, insurance and principal repayment.
Can stamp duty be paid in instalments?
No. It is due in full before registration. Unregistered agreements are not admissible as evidence of title, so this is not a cost you can defer.
Is stamp duty charged on resale property too?
Yes. Any transfer of ownership attracts duty, whether the property is new, under construction or a resale.
Stamp duty by state
Rates, cesses and concessions differ by state. These pages carry the local formula and a worked example.
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