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Stamp Duty Calculator
Work out the stamp duty and registration fee on your home, and the total cash you need on top of your home loan. Rates are taken from each state's official registration website.
Stamp duty and registration fee by state
| State | Area | Stamp duty | Registration fee | On a ₹50 lakh home |
|---|---|---|---|---|
| Delhi | Anywhere in Delhi | 6% (women 4%) | 1% + ₹100 | ₹3,50,100 |
| Maharashtra | Municipal corporation or cantonment area | 5% (women 4%) | 1% (max ₹30,000) | ₹2,80,000 |
| Municipal council or nagar panchayat | 5% (women 4%) | 1% (max ₹30,000) | ₹2,80,000 | |
| Gram panchayat area | 4% (women 3%) | 1% (max ₹30,000) | ₹2,30,000 | |
| Telangana | Municipal or other non-gram panchayat area | 7% | 0.5% | ₹3,75,000 |
| Gram panchayat area | 5.5% | 2% | ₹3,75,000 |
We add a state only after checking every charge on its official government website. More states are on the way.
How stamp duty is calculated
Multiply the property value by the state's stamp duty rate, then add the registration fee. For example, a ₹50 lakh home in Maharashtra (municipal corporation or cantonment area) pays 5% stamp duty (₹2,50,000) plus a registration fee of ₹30,000, a total of ₹2,80,000.
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Frequently asked questions
What is stamp duty?
A tax the state government charges when a property changes hands. The buyer pays it when the sale deed is registered, along with a separate registration fee.
On what value is stamp duty charged?
On the sale price or the government value of the property (circle rate or ready reckoner rate), whichever is higher.
Do women pay less stamp duty?
In some states. Delhi and Maharashtra charge women buyers a lower rate; Telangana does not.
Can I add stamp duty to my home loan?
Banks usually lend only against the property price, so plan to pay stamp duty and the registration fee from your own savings, along with the down payment.