Mumbai
Stamp duty and registration charges are among the highest upfront costs when buying property in India — often totalling 5–8% of the property value. Yet many buyers budget only for the property price and home loan, overlooking these mandatory government levies until the last moment.
This comprehensive guide covers stamp duty and registration charges across all major states in 2026, how they are calculated, available exemptions, and how to use online calculators.
Stamp duty is a state government tax levied on legal documents — primarily property sale deeds — to make them legally valid and admissible as evidence in court. Without payment of stamp duty, a sale deed is legally inadmissible.
Registration charges are fees paid to the Sub-Registrar’s office for registering the sale deed in the government’s official records. Registration legally establishes your ownership and makes it a public record.
|
State |
Stamp Duty (Men) |
Stamp Duty (Women) |
Registration Charges |
|
Maharashtra |
5% |
4% |
1% (max ₹30,000 rural) |
|
Delhi |
6% |
4% |
1% |
|
Karnataka |
5% |
5% |
1% (max ₹15,000) |
|
Tamil Nadu |
7% |
7% |
1% (max ₹4,000 per doc) |
|
Uttar Pradesh |
7% |
6% |
1% |
|
Telangana |
4% |
4% |
0.5% (max ₹20,000) |
|
Gujarat |
4.9% |
4.9% |
1% |
|
Rajasthan |
5% |
4% |
1% |
|
West Bengal |
5% |
5% (rebate possible) |
1% |
|
Punjab |
7% |
5% |
1% |
|
Haryana |
7% |
5% |
1% |
|
Madhya Pradesh |
7.5% |
7.5% |
1% |
|
Kerala |
8% |
8% |
2% |
|
Andhra Pradesh |
5% |
5% |
1% |
|
Bihar |
6% |
5.7% |
2% |
Note: Rates are indicative for 2026. State governments revise rates periodically. Always verify on your state’s official IGR or Stamps & Registration department portal before registration.
Step 1: Find the circle rate for your property location on the state’s official portal.
Step 2: Determine the ‘Registration Value’ — the higher of the actual sale price and the circle rate.
Step 3: Apply the stamp duty percentage to the registration value.
Step 4: Add registration charges (typically 1% of registration value).
|
Item |
Value |
|
Property Sale Price |
₹80,00,000 |
|
Circle Rate for Location |
₹65,00,000 |
|
Registration Value (Higher of above) |
₹80,00,000 |
|
Stamp Duty — Male Buyer (6%) |
₹4,80,000 |
|
Registration Charges (1%) |
₹80,000 |
|
Total Stamp Duty + Registration |
₹5,60,000 |
Most states offer 1–2% lower stamp duty for properties purchased in the name of a woman or as joint ownership with a woman as the primary owner.
Several states offer stamp duty rebates for first-time buyers purchasing under PMAY-eligible affordable housing.
Many states charge significantly lower stamp duty (1–2%) on agricultural land transactions compared to residential property.
Gift deeds between close family members (spouse, parent, child) attract concessional or nominal stamp duty in many states.
|
State |
Portal |
|
Maharashtra |
igrmaharashtra.gov.in |
|
Delhi |
revenue.delhi.gov.in |
|
Karnataka |
kaveri.karnataka.gov.in |
|
UP |
igrsup.gov.in |
|
Tamil Nadu |
tnreginet.gov.in |
|
Telangana |
registration.telangana.gov.in |
|
Always pay stamp duty through official channels — forged or insufficient stamp paper is a criminal offence and can invalidate your property registration. |
|
SquareYards provides complete stamp duty and registration support for property transactions across India. Get expert assistance at SquareYards.com. |
Stamp duty ranges from 4% to 8% of the property’s registered value, depending on the state, the buyer’s gender, and the property type. Maharashtra charges 5% (men) and 4% (women). Check your state’s IGR portal for current rates.
No. Stamp duty and registration charges cannot be financed through a standard home loan. They must be paid from personal funds. Some lenders offer top-up loans that can be used for this purpose.
In India, stamp duty is paid by the buyer unless specifically agreed otherwise in the sale agreement. Registration charges are also typically the buyer’s responsibility.
Yes — if the property transaction is cancelled before registration, stamp duty can be refunded within 6 months of payment (varies by state), subject to a processing fee. After registration, a refund is extremely difficult.
Stamp duty is a tax on the sale document, making it legally valid. Registration charges are fees for officially recording the sale deed in government records at the Sub-Registrar’s office. Both are mandatory and paid together.
Yes. Stamp duty applies to all property transactions — new and resale — at the same rates. There is no differential stamp duty between new and resale properties.
