Calculator
State-wise stamp duty and registration cost for any property — including gender-based rebates and first-property concessions.
Property Type
Buyer
Total Government Charges
₹5,25,000
Budget this above property price
Stamp Duty
₹4,50,000
6.00% in Maharashtra
Registration Charge
₹75,000
1% standard
Stamp duty rates effective as of 2026. Rates may vary — verify with your state's registration department before transacting.
Total Govt Charges
₹5,25,000
Stamp duty is a state-level tax on property transactions. Rates range from 3.5% (Goa) to 8.55% (Assam) of the higher of property value or circle rate. Plus 1% registration charge in most states. It is mandatory and a major budget item beyond your purchase price.
Yes, in many states. Delhi, Maharashtra, Punjab, Haryana, Madhya Pradesh, Rajasthan, UP, and others give women buyers a 0.5%–2% rebate to encourage female property ownership. Joint registrations (one female owner) typically get a partial rebate. Some states like Tamil Nadu and Karnataka have uniform rates regardless of gender.
No — banks fund up to 80%–90% of the property value, but stamp duty and registration are NOT considered part of the loan-to-value calculation. You must pay these from your own funds at the time of registration. Plan for 5%–10% of property value as registration cost.
Yes. Most states have moved to e-stamping via SHCIL (Stock Holding Corporation of India) and state-specific portals. You can generate the stamp paper online, pay via net banking, and download — saves you a trip to the sub-registrar office for the stamp purchase step.
Stamp duty is a tax on the document of transfer, paid as a percentage of property value. Registration is a fee for officially recording the transaction in government records — typically 1% across most states. Both are mandatory; without them, the sale deed has no legal standing.
First-time buyers often miss this: stamp duty and registration together can add 5%–10% on top of the property price, and banks do not finance it. On a ₹75 lakh property in Maharashtra (6% + 1%), that is ₹5.25 lakh out of pocket on registration day.
Most North Indian states (Delhi, UP, Punjab, Haryana, MP, J&K) offer 1%–4% rebate when the property is registered in a woman's name. Joint M+F registrations get a partial rebate. The policy aim is to encourage women's property ownership; the financial impact can be substantial — a 2% rebate on ₹1 crore is ₹2 lakh saved.
Disclaimer: Rates are indicative for 2026 and residential category. Commercial and agricultural rates may differ. Confirm with your sub-registrar or your conveyancing lawyer before paying.
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