Stamp Duty Calculator India: State-by-State Rates, Registration & How to Pay

• Stamp duty is a state government tax on property transactions, ranging from 3% to 8% of the property value. Registration is a separate charge (typically 1%) paid at the sub-registrar's office.
• Combined stamp duty + registration adds 4–10% to your property cost — on a ₹80 lakh home, this can be ₹4–8 lakh you must pay from own funds before possession.
• Several states offer concessions for women buyers (lower rate if property is in woman's name), senior citizens, and affordable housing — these can save ₹40,000–₹2 lakh on a typical transaction.
• Stamp duty is paid before or at registration. Underpayment = penalty of 2–10% of deficit per month. Always verify the stamp duty ready reckoner value with your sub-registrar before finalising payment.

Use our free Stamp Duty Calculator to find exact stamp duty and registration charges for any state and property type — and calculate the total upfront payment required.

Stamp Duty Rates by State (2025)

State	Men (%)	Women (%)	Joint (%)	Registration (%)	Notes
Maharashtra	6%	5%	6%	1% (max ₹30,000)	Mumbai adds 1% metro cess
Karnataka	5%	5%	5%	1%	Lower for ₹20–35L properties
Delhi	6%	4%	5%	1%	Joint = man + woman
Uttar Pradesh	7%	6%	6%	1%
Tamil Nadu	7%	7%	7%	4%	High registration charge
Gujarat	4.9%	4.9%	4.9%	1%	Relatively low stamp duty
Rajasthan	6%	5%	5%	1%
Madhya Pradesh	7.5%	7.5%	7.5%	1%	Plus 3% surcharge
Haryana	7%	5%	7%	1%	Women concession significant
West Bengal	5%	5%	5%	1%	Up to ₹1 crore; 6% above
Andhra Pradesh	5%	5%	5%	0.5%
Telangana	4%	4%	4%	0.5%	One of lowest rates
Kerala	6%	6%	6%	2%
Punjab	7%	5%	6%	1%
Himachal Pradesh	6%	4%	5%	2%
Uttarakhand	5%	3.75%	—	2%	Major women's concession
Bihar	5.7%	4.7%	—	2%
Jharkhand	4%	4%	4%	3%
Odisha	5%	4%	4.5%	2%
Chhattisgarh	5%	4%	—	4%
Assam	6%	5%	—	1%
Goa	3.5%	3.5%	3.5%	3%	Lowest stamp duty

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State-Specific Portals for Stamp Duty Verification

State	Portal
Maharashtra	igrmaharashtra.gov.in
Karnataka	kaveri.karnataka.gov.in
Delhi	revenue.delhi.gov.in
Uttar Pradesh	igrsup.gov.in
Tamil Nadu	tnreginet.gov.in
Gujarat	igrgujatat.gov.in
Rajasthan	igrs.rajasthan.gov.in
Telangana	registration.telangana.gov.in
Andhra Pradesh	registration.ap.gov.in
West Bengal	wbregistration.gov.in

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Stamp Duty Calculation: Step by Step

Step 1: Determine the taxable value Stamp duty is levied on the higher of: (a) the actual sale price, or (b) the government's "Ready Reckoner" / "Guidance Value" / "Circle Rate" for the area.

If you buy a property for ₹50 lakh but the circle rate is ₹60 lakh — stamp duty is calculated on ₹60 lakh.

Step 2: Apply the stamp duty rate Stamp Duty = Taxable Value × Applicable Rate

Step 3: Calculate registration fee Registration = Taxable Value × Registration Rate (or fixed cap where applicable)

Example — ₹80 lakh flat in Bengaluru purchased by a man:

Component	Calculation	Amount
Taxable value	₹80,00,000 (assume equals circle rate)	₹80,00,000
Stamp duty (5%)	₹80,00,000 × 5%	₹4,00,000
Registration (1%)	₹80,00,000 × 1%	₹80,000
Total stamp duty + registration		₹4,80,000

Same property, same city, purchased by a woman: Stamp duty: same 5% in Karnataka (no gender concession in KA) = ₹4,00,000 Registration: ₹80,000 Total: ₹4,80,000 (no difference — check your state for gender concessions)

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Ready Reckoner / Circle Rate: What It Means

The government sets a minimum value (called Ready Reckoner in Maharashtra, Circle Rate in Delhi/UP, Guidance Value in Karnataka, Basic Value in TN) for different localities. This prevents under-reporting of property prices to evade stamp duty.

How to check your area's circle rate:

• Karnataka: kaveri.karnataka.gov.in → "Guidance Value Search"
• Delhi: revenue.delhi.gov.in → "Circle Rates"
• Maharashtra: igrmaharashtra.gov.in → "Ready Reckoner"
• UP: igrsup.gov.in → "Property Rates"

Income tax implication: If you buy property for less than the stamp duty value (circle rate), Section 56(2)(x) applies — the difference is taxable as "income from other sources" for the buyer. If you sell below circle rate, Section 43CA applies — seller is taxed on the circle rate as if that was the sale price.

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Concessions and Exemptions

Women Buyer Concessions

Joint property strategy: Registering property in wife's name (or as primary owner) saves stamp duty in states with gender concessions. Several families use this strategy to reduce upfront costs while the husband's income supports the home loan.

Affordable Housing Concessions

Many states offer reduced stamp duty for properties under ₹30–45 lakh or for first-time buyers under PMAY:

• Maharashtra: 1% stamp duty for housing societies
• Karnataka: 3% stamp duty for properties ₹20–35 lakh
• Delhi: 4% for properties below ₹45 lakh

How to Pay Stamp Duty

Method 1: Franking (Common for smaller amounts)

Franking machine at authorised bank branches stamps the sale deed documents. Fee: ₹1,000 per document (varies by state).

Method 2: E-Stamping (Recommended — SHCIL)

Stock Holding Corporation of India Limited (SHCIL) issues e-stamps through their network. Available online at shcilestamp.com and at SHCIL centres. Generates a unique e-stamp certificate number.

Method 3: Stamp Paper (Traditional)

Purchase non-judicial stamp paper from licensed vendors at face value. The sale agreement is written/printed on stamp paper. Available for amounts up to ₹10,000 (varies). For large amounts, multiple stamp papers are required or e-stamping is more practical.

Method 4: Online (State IGR Portals)

Many states now allow complete online stamp duty payment through their IGR portals. Payment via net banking, UPI, or NEFT. Challan generated online is presented at sub-registrar's office.