Stamp Duty Calculator
Calculate stamp duty & registration charges for your property purchase live — state-wise rates for residential, commercial & agricultural property.
Detailed cost breakdown
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Disclaimer: Indicative estimate. Rates as per latest state notifications; actual charges may vary with local-body surcharges, LBT and cess. Verify with the sub-registrar before payment.
How stamp duty is calculated
Stamp duty is a state levy on property transfer, charged as a percentage of the higher of the agreement value or the government-notified circle/ready-reckoner rate. It typically ranges from 4% to 7% across states, with a further ~1% registration charge for recording the sale deed at the sub-registrar office. A few states add a metro/LBT surcharge on top.
Women get a concession on stamp duty
To encourage property ownership among women, several states charge a lower stamp duty when the buyer is a woman — for example Delhi (4% vs 6%), Uttar Pradesh, Rajasthan, Punjab and Haryana all offer a 1–2% lower rate for female buyers on residential property. Registering in joint names usually attracts the average of the two rates. Select Female or Joint above to see the saving reflected live in your total.
Female buyer
Where the state offers a concession, a female sole owner pays the lower notified rate. This can save 1–2% of the property value on stamp duty alone.
Joint ownership
A property bought jointly (e.g. husband and wife) is generally charged the average of the male and female rates in states that differentiate by gender.
Save tax under Section 80C
The stamp duty and registration charges you pay on your first residential property are eligible for deduction under Section 80C — up to ₹1.5 lakh — in the financial year of purchase. This benefit is available only under the old tax regime, and only in the year the expense is actually incurred; it cannot be carried forward. Commercial and agricultural property, and second homes, are not eligible.
What qualifies
Stamp duty + registration fees on a new residential house, claimed in the year of payment, within the overall ₹1.5 lakh 80C ceiling shared with PPF, ELSS, LIC and EPF.
Old regime only
The new tax regime does not allow 80C deductions. If you want this benefit, you must opt for the old regime for that assessment year.
- Select the state where the property is located, as stamp duty is fixed state-wise.
- Enter the market or agreement value of the property in rupees.
- Choose the property type (residential, commercial or agricultural) and the buyer gender, since many states offer a lower rate for women.
- Indicate whether it is your first property and calculate to see stamp duty, registration charges and total cost.
How much is stamp duty in India?
Stamp duty is decided by each state and generally ranges from about 4% to 7% of the property value. A registration charge, commonly around 1%, is payable on top, so the exact figure depends on your state.
Do women get a discount on stamp duty?
Many states charge a lower stamp duty rate when the buyer is a woman, to encourage property ownership. The size of the concession varies by state, and some states offer no difference at all.
Is stamp duty eligible for tax deduction?
Stamp duty and registration charges paid on a first residential property can be claimed under Section 80C, subject to the overall limit of ₹1.5 lakh, in the year of purchase. This benefit is available only under the old tax regime.
What is registration charge?
The registration charge is a separate fee paid to register the sale deed with the sub-registrar, commonly around 1% of the property value. It is over and above the stamp duty and both are usually paid together.
Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.