Stamp Duty + Registration Calculator (India)

Stamp duty in India is a state subject, so headline rates differ sharply. As of FY 2026: Maharashtra charges 6% for male buyers (5% for female) plus 1% registration capped at ₹30,000 for properties above ₹30 lakh. Karnataka charges around 5.6% (basic + cess + surcharge) with no gender concession plus 1% registration. Delhi charges 6% for male buyers and 4% for female buyers, plus 1% registration. Tamil Nadu, by contrast, charges 7% stamp duty plus 4% registration — among the highest combined govt charges in India. Always verify with the state sub-registrar before transacting; rates change with state budgets and ad-hoc notifications.

Several Indian states — including Delhi (2% lower), Maharashtra, Rajasthan, UP and Haryana (typically 1–2% lower) — offer a stamp-duty concession for sole female buyers or when a woman is the first-named owner. The policy aims to encourage property ownership by women and reduce dependence on male family members. The concession only applies to residential property in most states, and some (Karnataka, Tamil Nadu, Kerala, West Bengal, Gujarat) offer no gender-based discount at all. For joint male-female purchases the rule varies: many states extend the concession only if the woman is the sole or first-named owner.

Stamp duty is charged on whichever is HIGHER — the actual sale consideration (agreement value) or the state government’s ready-reckoner / circle / guidance value. The ready-reckoner is a price benchmark published annually by each state for every locality and property type. If you bought a flat for ₹80 lakh but the ready-reckoner value of that area is ₹95 lakh, you pay stamp duty on ₹95 lakh. Use the higher of the two when running this calculator. You can look up your ready-reckoner value on the state revenue department’s portal (eg igrmaharashtra.gov.in for Maharashtra).

Once you pay stamp duty (now usually via online e-stamping or franking) and the registration fee, you book an appointment with the local sub-registrar. Both buyer and seller appear with two witnesses, the original sale deed, identity proof, and PAN. The sub-registrar verifies, captures biometrics, and registers the deed under the Registration Act 1908. The registered deed and a registration receipt become your title document. Typical timeline: 1–2 weeks from agreement to registration, depending on the state’s online queue and scrutiny by the registrar.

Yes — but only on under-construction property bought directly from a developer. The current rates are 5% GST on a regular under-construction unit and 1% on affordable housing (carpet area ≤ 60 sqm in metros, ≤ 90 sqm elsewhere, value ≤ ₹45 lakh), both without input tax credit. Ready-to-move-in units with a Completion Certificate, resale (secondary-market) units, and most plots attract zero GST. Stamp duty + registration are paid on top of GST in either case. So for a ₹80 lakh under-construction flat in Pune, you may pay roughly ₹4 lakh GST + ₹4.8 lakh stamp duty + ₹30k registration — about ₹9 lakh in transaction costs.

Yes. Stamp duty and registration charges paid on a residential house property qualify for deduction under Section 80C of the Income Tax Act, up to the overall ₹1.5 lakh limit (which also covers PPF, ELSS, life insurance premiums and home-loan principal repayment). The deduction is available only in the financial year of payment, only for self-occupied or first-occupancy purchases, and only under the old tax regime. If you’re on the new regime (introduced FY 2023–24, default from FY 2024–25), you cannot claim this deduction.