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Stamp Duty Calculator 2026

Calculate stamp duty and registration fees for property transactions across all major Indian states. Instant results with state-wise comparison.

State-wise Stamp Duty Rates (2026)

Approximate rates for Sale Deed / Conveyance

MH
Maharashtra
Mumbai, Pune, Nagpur
Stamp Duty5% (Mumbai: 6%)
Registration1%
Metro Cess1% (Mumbai/Pune)
Women1% less
KA
Karnataka
Bangalore, Mysore
Stamp Duty5% (BBMP: 5.6%)
Registration1%
Cess0.6% in BBMP
WomenNo concession
DL
Delhi
NCT of Delhi
Stamp Duty4% (Women: 2%)
Registration1%
SurchargeNone
Women2% concession
TN
Tamil Nadu
Chennai, Coimbatore
Stamp Duty7%
Registration4%
Total11%
WomenNo concession
UP
Uttar Pradesh
Lucknow, Noida
Stamp Duty7% (Women: 6%)
Registration1%
Total8%
Women1% less
GJ
Gujarat
Ahmedabad, Surat
Stamp Duty4.9%
Registration1%
Total5.9%
Women0.9% less
RJ
Rajasthan
Jaipur, Jodhpur
Stamp Duty5% (Women: 4%)
Registration1%
Total6%
Women1% less
WB
West Bengal
Kolkata, Howrah
Stamp Duty5-7% (slab)
Registration1%
≤₹25L5%
>₹25L6-7%
TS
Telangana
Hyderabad, Warangal
Stamp Duty4%
Registration0.5%
Transfer Duty1.5%
Total6%
KL
Kerala
Kochi, Trivandrum
Stamp Duty8%
Registration2%
Total10%
WomenNo concession

Understanding Stamp Duty

What is Stamp Duty?

Stamp duty is a tax levied by state governments on legal documents, primarily property transactions. It serves as legal evidence that the document has been properly executed. Payment of stamp duty makes a document legally admissible in court. The rate varies by state, document type, and property value. It is governed by the Indian Stamp Act, 1899 (central) and respective state amendments.

Stamp Duty vs Registration Fee

Stamp Duty is the tax on the document itself, paid via e-stamping or franking. It varies significantly by state (2% to 8%).

Registration Fee is the charge for registering the document with the Sub-Registrar office under the Registration Act, 1908. It is typically 1-2% of the property value and is separate from stamp duty. Both must be paid for the transaction to be legally valid.

How to Save on Stamp Duty

1
Register in woman's name

States like Delhi (2% vs 4%), Maharashtra (1% less), Rajasthan (1% less), and UP (1% less) offer concessions for female buyers.

2
Joint ownership

Register property jointly with a female family member to avail lower rates on the female buyer's share in eligible states.

3
Check state schemes

Many states offer temporary concessions, first-time buyer rebates, or reduced rates for affordable housing segments.

4
Claim tax deduction

Stamp duty and registration charges on residential property are deductible under Section 80C of the Income Tax Act (up to ₹1.5 lakh).

Frequently Asked Questions

Is stamp duty the same across all Indian states?
No. Stamp duty is a state subject in India. Each state sets its own rates under its respective Stamp Act. Rates can vary from as low as 2% (Delhi for women) to 8% (Kerala). Some states also levy additional cess, surcharges, or transfer duty on top of the base stamp duty.
What happens if I don't pay stamp duty?
An unstamped or insufficiently stamped document is not admissible as evidence in court. Additionally, you may face a penalty of up to 10 times the deficit stamp duty amount. The Sub-Registrar will refuse to register the document without proper stamp duty payment.
Can stamp duty be paid online?
Yes, most states now support e-stamping through the Stock Holding Corporation of India (SHCIL). You can generate e-stamp certificates online. Some states also allow franking (getting stamps from authorized banks). Maharashtra, Karnataka, and Delhi have well-established e-stamping portals.
Is stamp duty deductible under Income Tax?
Yes. Under Section 80C of the Income Tax Act, stamp duty and registration charges paid for purchase of a residential house property are eligible for deduction up to ₹1,50,000 in the financial year of payment. This is available only in the year of purchase and only for residential property.
Do women get a concession on stamp duty?
Several states offer reduced stamp duty for women buyers: Delhi (2% vs 4% for men), Maharashtra (1% less in some areas), Rajasthan (4% vs 5%), Uttar Pradesh (6% vs 7%), and Gujarat (reduced rate). Not all states offer this concession — Karnataka, Tamil Nadu, Kerala, and West Bengal currently do not provide gender-based reductions.
What is the difference between circle rate and market value?
Circle rate (also called guidance value, ready reckoner rate, or government rate) is the minimum value set by the state government for property transactions. Stamp duty is calculated on the higher of the circle rate or the actual transaction value. Market value is the actual price at which properties are sold in the open market, which is often higher than the circle rate.
Is stamp duty applicable on gift deeds within family?
Yes, but many states offer reduced rates for gifts within family (blood relatives). Maharashtra charges 3% for gifts to family members vs 5% to others. Karnataka offers exemptions for direct family. Delhi provides family exemptions. The definition of "family" varies by state — it usually includes spouse, children, parents, and siblings.
How is stamp duty calculated on lease agreements?
For lease agreements, stamp duty is typically calculated based on the total rent for the lease period plus the security deposit. Short-term leases (under 1 year, like the standard 11-month agreement) usually attract a flat fee (₹100-500). Longer leases attract a percentage of total rent value, which increases with the lease duration.

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