When you’re on the property hunt, every rupee matters. Let’s face it: no one wants unexpected bills after a big purchase. With our easy-to-use calculator, you’ll know exactly what stamp duty and registration fees you’re dealing with upfront, so you can focus on finding the perfect home without any stress.
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State-wise Stamp Duty and Registration Charges in 2025
| State | Stamp Duty -Male | Stamp Duty -Female | Registration Charges |
|---|---|---|---|
| Andhra Pradesh | 5% | 5% | 1% |
| Arunachal Pradesh | 6% | 6% | 1% |
| Assam | 6% | 5% | 8.50% |
| Bihar | 6.30% | 5.70% | 1% |
| Chhattisgarh | 5% | 4% | 1% |
| Goa | 3.5% – 5% | 3.5% – 5% | 1% |
| Gujarat | 4.90% | 4.90% | 1% |
| Haryana | 7% | 5% | 1% |
| Himachal Pradesh | 5% | 5% | 1% |
| Jharkhand | 4% | 4% | 1% |
| Karnataka | 2% – 5% | 2% – 5 | 1% |
| Kerala | 8% | 8% | 2% |
| Madhya Pradesh | 7.50% | 7.50% | 1% |
| Maharashtra | 6% | 5% | 1% |
| Manipur | 7% | 7% | 3% |
| Meghalaya | 9.90% | 9.90% | 1% |
| Mizoram | 9% | 9% | 1% |
| Nagaland | 8.25% | 8.25% | 1% |
| Odisha | 5% | 4% | 1% |
| Punjab | 4.75% | 2.75% | 1% |
| Rajasthan | 6% | 5% | 1% |
| Sikkim | 5% | 5% | 1% |
| Tamil Nadu | 4% | 4% | 2% |
| Telangana | 5% | 5% | 1% |
| Tripura | 5% | 5% | 1% |
| Uttarakhand | 5% | 3.75% | 1% |
| Uttar Pradesh | 7% | 5% | 1% |
| West Bengal | 6% – 7% | 6% – 7% | 1% |
| Delhi | 6% | 4% | 1% |
| Daman & Diu | 6% | 4% | 0.50% |
| Jammu and Kashmir | 7% | 3% | 1.20% |
What is Stamp Duty?
Stamp duty is a tax levied on legal documents, typically in the transfer of assets or property. It is imposed by governments on transactions involving the sale or purchase of assets such as real estate, stocks, and securities.
The duty is often symbolized by a physical stamp that is either attached to or impressed upon the document, indicating that the tax has been paid.
Suggested Read: Karnataka Stamp Act, 1957
Purpose of Stamp Duty
- Revenue Generation: Collects tax revenue to fund public services.
- Legal Validation: Officially documents and legitimizes the property purchase.
- Property Registration: Facilitates accurate recording of ownership changes.
- Fraud Prevention: Deters fraudulent or unauthorized property transactions.
- Regulatory Compliance: Ensures adherence to local property laws and regulations.
Factors Influencing Stamp Duty Charges
| Factor | Description |
|---|---|
| Property Value | Higher purchase prices often incur higher rates, sometimes on a sliding scale. |
| Jurisdiction | Rates and thresholds vary by state, province, or country. |
| Property Type | Residential, commercial, or industrial properties may have different duty rates. |
| First-Time Buyer Status | Concessions or exemptions may be available for first-time property buyers. |
| Transaction Type | Variations exist for transfers, gifts, or inheritance of property. |
| Government Policy | Changes in fiscal or housing policies can adjust stamp duty rates and brackets. |
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How is Stamp Duty Calculated?
Let’s consider the purchase of a residential property in Bengaluru, Karnataka, with a sale agreement value of ₹60 lakh.
- Stamp Duty in Karnataka: 5% of the Property Value
- Cost of the Property: ₹60 lakh
Stamp Duty Formula: Stamp Duty Rate * Cost of the Property
Stamp Duty = 5% of ₹60,00,000 = ₹3,00,000
What are Registration Charges?
Property registration charges are the fees paid to the government to legally record a property transaction in the buyer’s name. These charges include stamp duty and registration fees, which vary by state in India.
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Purpose of Property Registration Charges
| Purpose | Explanation |
|---|---|
| Proof of Ownership | Establishes the buyer as the legal owner of the property. |
| Prevents Fraud | Ensures the property is not sold multiple times illegally. |
| Dispute Resolution | Serves as legal evidence in case of ownership disputes. |
| Mandatory under the Registration Act, 1908 | Required for registering transactions above a certain value. |
| Ensures Transparency | Records transactions officially, preventing black money dealings. |
| State Revenue Source | Generates significant revenue for the state government. |
| Used for Infrastructure & Public Welfare | Funds roads, schools, hospitals, and other public services. |
| Required for Home Loans | Banks need registered property documents to approve loans. |
| Legal Security | Strengthens the buyer’s legal rights over the property. |
Factors Influencing Property Registration Charges
| Factor | Impact on Registration Charges |
|---|---|
| Property Location | Charges vary based on state, city, or rural vs. urban areas. Metropolitan areas usually have higher rates. |
| Property Value | Higher property prices attract higher stamp duty and registration fees, as they are calculated as a percentage of the total value. |
| Property Type | Residential properties usually have lower charges compared to commercial properties. |
| Buyer’s Gender | Some states offer concessions in stamp duty for women buyers to encourage female property ownership. |
| Usage of the Property | Agricultural land may have lower registration charges compared to commercial or industrial land. |
| Age of the Buyer | Some states offer discounts to senior citizens on stamp duty. |
| Government Policies | Periodic changes, rebates, and exemptions can influence the charges. |
| Mode of Transfer | Gifts, inheritance, and lease transactions may have different registration fee structures. |
| Additional Charges | Legal fees, document preparation costs, and service charges can add to the overall expenses. |
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How Are Registration Charges Calculated?
A person purchases an apartment in Mumbai, Maharashtra with the following details:
- Property Value: ₹1.5 crore
- Registration Charges: 1% (capped at ₹30,000)
Registration Charges Formula: Property Registration Rate * Cost of the Property
Registration Fee: 1% of ₹1.5 crore = ₹30,000
Documents Required to Pay Stamp Duty and Registration Charges
- Sale Deed or Agreement
- Identity Proof (Aadhaar card, Voter ID, etc.)
- Address Proof (Utility bills, etc.)
- PAN Card
- Passport-size Photographs
- Property Documents (Title deed, Possession certificate, etc.)
- Encumbrance Certificate
- No Objection Certificate (NOC)
- Payment Receipts
- Power of Attorney (if applicable)
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How to Pay Stamp Duty and Registration Charges?
Stamp duty and registration charges are mandatory payments during property transactions in India. Here’s how you can pay them:
| Method | Details |
|---|---|
| 1. E-Stamping | Available in states that allow digital stamping (e.g., Delhi, Karnataka, Maharashtra). Done through the Stock Holding Corporation of India Ltd. (SHCIL) website or authorized banks. |
| 2. Online Payment | Some states provide an online portal for stamp duty payment via net banking, credit/debit card, or UPI. Check your state’s registration department website. |
| 3. Franking | Done at designated banks or franking agencies by depositing the stamp duty amount. The bank imprints the document with a franking stamp as proof of payment. |
| 4. Stamp Paper Purchase | Traditional method where stamp papers of the required value are purchased from licensed vendors. This is gradually being replaced by e-stamping. |
| 5. Challan Payment | In states like Maharashtra, stamp duty can be paid via government-approved challan through banks or treasury offices. |
| 6. Registration at Sub-Registrar’s Office | After paying stamp duty, property documents must be registered at the local Sub-Registrar’s Office (SRO). Appointment booking and online document verification are available in some states. |
Tax Benefits on Payment of Stamp Duty and Registration Charges
States in India offer exemptions or concessions to promote specific demographics or transactions. Key categories include:
| Category | Details |
|---|---|
| Deduction Limit | Up to ₹1,50,000 under Section 80C |
| Eligible Property | Only new residential properties |
| Ineligible Property | Commercial properties, residential plots, resale properties |
| Ownership Requirement | Property must be in the name of the taxpayer claiming deduction |
| Payment Year | Deduction can be claimed only in the year of payment |
| Construction Status | Property must be fully constructed with legal possession |
| Joint Ownership | Each co-owner can claim deductions based on their share (subject to ₹1,50,000 limit) |
| Non-Eligible Expenses | Admission fees, share costs, initial deposits for societies/companies |
| Reversal Clause | If sold within 5 years, deductions claimed are added back to taxable income |
| Required Documents | Payment receipts, property registration papers |
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Conclusion
Buying a home is a big step. Getting a home loan can be hard, but we make it easy. Choosing Credit Dharma for your home loan simplifies this process. We offer expert advice and personalized assistance to make everything hassle-free. You’ll receive timely updates on your loan application and disbursement progress.
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Frequently Asked Questions
Some states offer concessions for women buyers, first-time homeowners, or properties in specific categories. Additionally, purchasing in areas with lower stamp duty rates can help reduce costs.
Stamping involves paying a tax to validate legal documents, making them admissible in court. Registration is the official recording of these documents with the government, confirming legal ownership.
In Bangalore, you can pay stamp duty and registration fees through the Kaveri Online Services portal or at designated banks and sub-registrar offices. After payment, register the property at the local sub-registrar’s office.
Stamp duty serves as a significant revenue source for state governments and legally validates property transactions, ensuring their enforceability in court.
No, the tax department calculates Tax Deducted at Source (TDS) based on the property’s sale value, excluding stamp duty and registration charges.
The buyer is responsible for deducting and remitting TDS when purchasing property, typically at a rate of 1% for transactions exceeding ₹50 lakh.
Yes, under Section 80C of the Income Tax Act, you can claim deductions for stamp duty and registration charges up to ₹1.5 lakh, applicable only for new residential property purchases.
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