Stamp Duty Calculator India - Calculate Property Registration Charges

Calculate stamp duty and registration charges for your property purchase across all Indian states. Get accurate estimates based on property value, buyer category, and property type.

What is Stamp Duty?

Stamp duty is a tax levied by state governments on property transactions in India. It is a legal requirement for transferring property ownership and makes the sale deed legally valid. The stamp duty rates vary significantly across different states and are based on several factors including:

• Property location (state/city)
• Property type (residential, commercial, land)
• Buyer's gender (women often get concessions)
• Property value (market value or agreement value, whichever is higher)

Why Use Our Stamp Duty Calculator?

• All Indian States: Covers stamp duty rates for Maharashtra, Delhi, Karnataka, Tamil Nadu, and 10+ more states
• Gender-Based Rates: Automatically calculates women's concession rates where applicable
• Complete Breakdown: Shows stamp duty, registration fees, and GST separately
• Property Type Support: Handles residential, commercial, and land transactions
• Under-Construction GST: Calculates 5% GST for under-construction properties
• 100% Free: No sign-ups, no hidden costs

How to Use the Stamp Duty Calculator

1. Enter Property Value: Input the agreement value or market value of the property
2. Select State: Choose the state where the property is located
3. Choose Buyer Category: Select Male, Female, or Joint ownership
4. Select Property Type: Choose Residential, Commercial, or Land
5. Toggle Under-Construction: Enable if buying an under-construction property
6. View Results: Get instant stamp duty, registration, and total charges

Stamp Duty Rates Across Indian States (2024)

| State | Male | Female | Registration | |-------|------|--------|--------------| | Maharashtra | 6% | 5% | 1% | | Karnataka | 5% | 5% | 1% | | Delhi | 6% | 4% | 1% | | Tamil Nadu | 7% | 7% | 4% | | Telangana | 5% | 5% | 0.5% | | Gujarat | 4.9% | 4.9% | 1% | | Rajasthan | 6% | 5% | 1% | | West Bengal | 6% | 6% | 1% | | Uttar Pradesh | 7% | 6% | 1% | | Madhya Pradesh | 7.5% | 7.5% | 3% | | Kerala | 8% | 8% | 2% | | Punjab | 7% | 5% | 1% | | Haryana | 7% | 5% | 1% | | Andhra Pradesh | 5% | 5% | 0.5% | | Odisha | 5% | 4% | 1% |

Note: Rates are indicative and subject to change. Always verify with local sub-registrar office.

Understanding Registration Charges

Registration charges are separate from stamp duty and are paid for officially recording the property transaction with the sub-registrar. These fees typically range from 0.5% to 4% depending on the state. Registration is mandatory for properties above a certain value and makes your ownership legally enforceable.

GST on Under-Construction Properties

For under-construction properties, buyers need to pay Goods and Services Tax (GST) in addition to stamp duty and registration:

• GST Rate: 5% (without ITC) or 12% (with ITC)
• Applicable On: Approximately 2/3rd of property value (excluding land value)
• Ready-to-Move: No GST if property has Completion Certificate (CC)
• Affordable Housing: Reduced 1% GST for properties up to ₹45 lakh

Tips to Save on Stamp Duty

1. Women Ownership

Many states offer reduced stamp duty rates for women buyers. Consider registering property in a woman's name:

• Delhi: 2% discount for women
• Rajasthan: 1% discount for women
• Punjab/Haryana: Up to 2% discount

2. Joint Registration

In some states, joint registration with a woman co-owner attracts lower rates than male-only ownership.

3. Claim 80C Deduction

Stamp duty and registration charges paid for residential property can be claimed as deduction under Section 80C (up to ₹1.5 lakh overall limit).

4. First-Time Buyer Benefits

Some states offer concessions for first-time home buyers. Check with local authorities for applicable schemes.

5. Affordable Housing Schemes

Properties under PMAY or state housing schemes often have reduced stamp duty rates.

Required Documents for Property Registration

• Sale Agreement/Deed
• Proof of property ownership (seller)
• Encumbrance Certificate
• Property tax receipts
• Building plan approval
• NOC from housing society (if applicable)
• Identity and address proof (buyer & seller)
• Photographs of buyer and seller
• PAN cards of both parties
• Two witnesses with ID proof

Frequently Asked Questions

What is the difference between stamp duty and registration charges?

Stamp duty is a tax on the transaction document (sale deed), while registration charges are fees for officially recording the transaction with the government. Both are mandatory and paid at the time of property registration.

Can I register property without paying stamp duty?

No, stamp duty payment is mandatory for property registration. Without proper stamp duty, the sale deed is not legally valid and cannot be registered.

Is stamp duty same across all cities in a state?

Generally yes, but some states have different rates for urban and rural areas, or for different municipal corporations. Always verify with local authorities.

Who pays stamp duty - buyer or seller?

Typically, the buyer pays stamp duty and registration charges unless there's a specific agreement between parties to share the cost.

Can stamp duty be paid in installments?

No, stamp duty must be paid in full at the time of registration. However, you can pay via various modes including demand draft, pay order, or online payment.

What happens if I underreport property value?

The sub-registrar will use the higher of agreement value or circle rate (government-determined minimum value). Underreporting can lead to penalties and rejection of registration.

Are there any exemptions on stamp duty?

Yes, certain transactions are exempt or have reduced rates:

• Agricultural land (in some states)
• Property transfer between family members
• Property under specific government schemes
• Charitable/religious organizations

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