Stamp Duty Calculator
Calculate stamp duty, registration charges, and total acquisition cost for property purchase across India
Property Details
Seventy Five Lakh
Stamp Duty Calculation — Maharashtra (Mumbai Municipal Corporation)
If registered in a woman's name, stamp duty drops to 5% — Save ₹75,000
Claim up to ₹1.5L deduction on stamp duty + registration charges under Section 80C (old tax regime)
Rates are indicative and based on publicly available government data. Actual charges may vary based on property type, specific municipal regulations, and recent government notifications. Always verify with your local Sub-Registrar office before making payment.
Important Notes — Maharashtra
- Rates vary by location within Maharashtra.
- Metro Cess of 1% applies in Mumbai Municipal Corporation areas.
- LBT of 1% applies in Pune, Thane, and Nagpur Municipal Corporation areas.
- Women buyers save 1% on stamp duty across all locations.
- Registration fee is 1% of property value, capped at ₹30,000.
Stamp Duty Rates Across India
| State | Male | Female | Registration | Women Save | Total on ₹1Cr (Male) |
|---|---|---|---|---|---|
| Andhra Pradesh | 5% | 3% | 0.5% | 2% | ₹5,50,000 |
| Assam | 8% | 6% | 1% | 2% | ₹9,00,000 |
| Bihar | 6% | 4% | 1% | 2% | ₹7,00,000 |
| Chhattisgarh | 5% | 3% | 1% | 2% | ₹6,00,000 |
| Delhi | 6% | 4% | 1% | 2% | ₹7,00,000 |
| Goa | 3.5% | 3.5% | 1% | - | ₹4,50,000 |
| Gujarat | 4.9% | 4.9% | 1% | - | ₹5,90,000 |
| Haryana | 6% | 4% | 1% | 2% | ₹7,00,000 |
| Himachal Pradesh | 6% | 4% | 1% | 2% | ₹7,00,000 |
| Jharkhand | 6% | 4% | 1% | 2% | ₹7,00,000 |
| Karnataka | 5% | 5% | 1% | 1% | ₹6,00,000 |
| Kerala | 8% | 8% | 2% | - | ₹10,00,000 |
| Madhya Pradesh | 7.5% | 5.5% | 1% | 2% | ₹8,50,000 |
| Maharashtra | 6% | 5% | 1% | 1% | ₹7,30,000 |
| Odisha | 5% | 3% | 1% | 2% | ₹6,00,000 |
| Punjab | 6% | 3% | 1% | 3% | ₹7,00,000 |
| Rajasthan | 5% | 3% | 1% | 2% | ₹6,00,000 |
| Tamil Nadu | 7% | 7% | 4% | - | ₹11,00,000 |
| Telangana | 5.5% | 5.5% | 0.5% | - | ₹7,50,000 |
| Uttar Pradesh | 7% | 4% | 1% | 3% | ₹8,00,000 |
| Uttarakhand | 5% | 3% | 1% | 2% | ₹6,00,000 |
| West Bengal | 6% | 6% | 1% | - | ₹7,00,000 |
What is Stamp Duty?
Stamp duty is a tax levied by state governments on the transfer of property ownership. It is a mandatory legal fee paid when a property transaction is registered with the local sub-registrar office. The stamp duty amount varies from state to state and is calculated as a percentage of the property's market value or the agreement value, whichever is higher. Payment of stamp duty makes the property sale deed legally valid and enforceable in a court of law. Without proper stamp duty payment, the property document holds no legal standing. In India, stamp duty rates range from as low as 3.5% in Goa to as high as 8% in Kerala and Assam.
How is Stamp Duty Calculated?
Stamp duty is calculated as a percentage of the higher of two values: the agreement value (the price you pay) or the circle rate / ready reckoner rate (the government's minimum valuation for the area). Here is the basic formula:
Stamp Duty = Property Value x Stamp Duty Rate (%)
Registration Fee = Property Value x Registration Rate (%)
Total Charges = Stamp Duty + Registration Fee + Surcharges (if any)
Total Acquisition Cost = Property Value + Total Charges
For example, if you are buying a property worth ₹75,00,000 in Mumbai (MMC area), the stamp duty at 6% would be ₹4,50,000, the Metro Cess at 1% would be ₹75,000, registration fee (capped at ₹30,000) would be ₹30,000, making the total charges ₹5,55,000 with an effective rate of 7.4%.
How Women Buyers Can Save on Stamp Duty
Several Indian states offer reduced stamp duty rates for women buyers as an incentive to encourage property ownership among women. This can lead to significant savings on high-value property transactions. Here are the top states offering women discounts:
On a ₹1 Crore property in Delhi, a woman buyer saves ₹2,00,000 compared to a male buyer. Even in joint ownership (male + female), some states offer an intermediate rate. It is financially prudent to register the property in the woman's name wherever possible to avail of this benefit.
Section 80C Tax Benefit on Stamp Duty
Under Section 80C of the Income Tax Act, you can claim a deduction of up to ₹1,50,000 per financial year on the stamp duty and registration charges paid for purchasing a residential property. This deduction is available only under the old tax regime and is part of the overall ₹1.5 Lakh limit under Section 80C (which also includes PPF, ELSS, life insurance premiums, etc.). The deduction can be claimed in the year the stamp duty and registration charges are actually paid. This benefit applies only to residential properties (not commercial) and only for the purchase of a new property (not for resale stamp duty on an already owned property). If you sell the property within 5 years of purchase, the deduction claimed will be reversed and added to your taxable income in the year of sale.
Frequently Asked Questions
Not always. Some states like Maharashtra have different stamp duty rates based on whether the property is in a Municipal Corporation area, Municipal Council area, or Gram Panchayat area. For example, Mumbai (MMC) has 6% stamp duty while Gram Panchayat areas in Maharashtra have only 3%. Always check the specific rate for your property location.
In most Indian states, stamp duty is paid by the buyer (purchaser) of the property. The buyer is legally responsible for paying stamp duty and getting the sale deed registered. In some cases of gift deeds or exchange deeds, the responsibility may vary.
Yes, most Indian states now allow online payment of stamp duty through their respective e-registration portals. Maharashtra uses the IGR portal, Delhi uses the e-District portal, Karnataka uses Kaveri Online, and Tamil Nadu uses TNREGINET. You can pay via net banking, debit card, or NEFT.
If the Sub-Registrar determines that stamp duty has been underpaid, you will be required to pay the deficit amount along with a penalty. In Maharashtra, the penalty is 2% per month on the deficit amount. The document may also be impounded until the correct duty is paid.
Generally, banks do not include stamp duty and registration charges in the home loan amount. These are considered out-of-pocket expenses that the buyer must pay separately. However, some banks may offer a top-up loan or personal loan to cover these costs.
GST is not charged on stamp duty or registration fees themselves. However, for under-construction properties, GST at 5% (without ITC) is applicable on the property value in addition to stamp duty. Ready-to-move-in properties with a completion certificate do not attract GST.
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