Stamp Duty Calculator India 2026
Calculate stamp duty and registration charges for property purchase across all Indian states. Get state-wise rates for male, female, and joint buyers.
Property Details
Market value of the property
5% stamp duty for male buyers
Get 30% discount on stamp duty (for properties under ₹45 lakhs)
Total Government Charges
₹0
Stamp duty + Registration charges
Cost Breakdown
Cost Composition
State-by-State Comparison
How much would the same property cost in other states? (For male buyer)
| State | Stamp Duty | Total Charges | Difference |
|---|---|---|---|
| Maharashtra (Current) | ₹0 | ₹0 | - |
| Goa | ₹1,50,000 | ₹1,80,000 | +₹1,80,000 |
| Telangana | ₹2,00,000 | ₹2,30,000 | +₹2,30,000 |
| Gujarat | ₹2,45,000 | ₹2,75,000 | +₹2,75,000 |
| Karnataka | ₹2,50,000 | ₹2,80,000 | +₹2,80,000 |
| Rajasthan | ₹2,75,000 | ₹3,05,000 | +₹3,05,000 |
Understanding Stamp Duty in India
Stamp duty is a government tax levied on property transactions in India. It's a mandatory charge that must be paid to legally transfer property ownership. Along with stamp duty, you also need to pay registration charges to register the property in your name.
What is Stamp Duty?
Stamp duty is a legal tax imposed by state governments on property transactions. It serves as proof of ownership and makes the property document legally valid. Without paying stamp duty, your property papers hold no legal value, and you cannot claim ownership in court.
Why Do We Pay Stamp Duty?
- Legal Ownership: Stamp duty payment makes your property document legally enforceable
- Government Revenue: It's a major source of revenue for state governments
- Transaction Record: Creates an official record of property transfer
- Prevents Fraud: Helps prevent fraudulent property transactions
Stamp Duty vs Registration Charges
Stamp Duty: Tax on the property transaction (typically 3-8% of property value)
Registration Charges: Fee to register the property (typically 1%, capped at ₹30,000)
Women Get Lower Rates - Why?
Many states offer reduced stamp duty rates for women buyers to encourage women's property ownership and financial independence. States like Maharashtra, Karnataka, Delhi, Telangana, and Haryana offer 1-2% discount for female buyers. Joint ownership (male + female) also gets discounted rates in some states.
States with Highest and Lowest Stamp Duty
Highest: Kerala (8%), Madhya Pradesh (7.5%), UP & Punjab (7%)
Lowest: Goa (3%), Telangana (3% for female), Maharashtra (3% for joint)
How to Pay Stamp Duty?
- E-Stamping: Online payment through authorized banks (most common)
- Franking: Pay at authorized collection centers
- Non-Judicial Stamp Paper: Purchase from authorized vendors (less common now)
Documents Required
- Sale deed or agreement to sell
- PAN card of buyer and seller
- Aadhaar card of buyer and seller
- Property documents (title deed, NOC, etc.)
- Property valuation certificate
Consequences of Not Paying Stamp Duty
- Invalid Property: Your property document holds no legal value
- Cannot Sell: You cannot legally sell or transfer the property
- Penalties: Heavy fines and penalties (up to 10x the stamp duty amount)
- Legal Issues: Cannot use the document as evidence in court
Special Cases
- Affordable Housing (PMAY): Get 30% discount for properties under ₹45 lakhs
- Senior Citizens: Some states offer discounts for buyers above 60 years
- Gift Deed: Lower stamp duty for property gifted to family members
- Agricultural Land: Different (often lower) rates apply
- Resale Property: Stamp duty calculated on circle rate or agreement value (whichever is higher)
Frequently Asked Questions
1. How much is stamp duty in Maharashtra?
In Maharashtra, stamp duty is 5% for male buyers, 4% for female buyers, and 3% for joint ownership (male + female). This is one of the lowest rates in India for joint ownership.
2. Do women get lower stamp duty rates?
Yes! Many states offer 1-2% discount for female buyers. Maharashtra offers 1% discount (4% vs 5%), Karnataka offers 2% discount (3% vs 5%), Delhi offers 2% discount (4% vs 6%), and Telangana offers 1% discount (3% vs 4%).
3. How much stamp duty on a ₹1 crore flat?
For a ₹1 crore property: In Maharashtra (male) = ₹5 lakhs, In Delhi (male) = ₹6 lakhs, In Karnataka (male) = ₹5 lakhs, In Kerala = ₹8 lakhs. Plus add 1% registration (capped at ₹30,000).
4. What are registration charges in Delhi?
Registration charges in Delhi are 1% of the property value, capped at ₹30,000. So for any property above ₹30 lakhs, you pay only ₹30,000 as registration fee.
5. Can I claim stamp duty in income tax?
No, stamp duty and registration charges cannot be claimed as deductions under Section 80C. However, they are included in the property's cost of acquisition, which reduces your capital gains when you sell the property.
6. What is stamp duty on gift deed?
Stamp duty on gift deeds is typically 2-3% of the property value (much lower than sale). If gifted to close family members (parents, spouse, children), it's exempt from income tax for the receiver.
7. Is stamp duty different for plot vs flat?
In most states, residential flats and plots have the same stamp duty rate. However, commercial properties typically have 1% higher stamp duty. Agricultural land has separate (often lower) rates.
8. Can I negotiate stamp duty rates?
No, stamp duty rates are fixed by state governments and cannot be negotiated. They are mandatory legal charges. However, you can save money by registering in a female buyer's name or applying for affordable housing schemes.
9. What is circle rate and how does it affect stamp duty?
Circle rate (or ready reckoner rate) is the minimum property value set by the government. Stamp duty is calculated on whichever is higher - the circle rate or the actual sale price. This prevents underreporting of property values.
10. When should I pay stamp duty - before or after registration?
Stamp duty must be paid before registering the property. You cannot register a property without paying stamp duty. Most people pay stamp duty and registration charges on the same day at the sub-registrar's office.