While the excitement of purchasing your dream home builds, don’t lose sight of the essential but less glamorous costs involved. Key expenses such as stamp duty and registration charges are pivotal and often slip under the radar.
In Delhi, like in other states, these fees can vary and influence your budgeting. This article aims to shed light on what buyers in Delhi can expect to pay in stamp duty and registration charges, ensuring there are no surprises during the purchase of the property.
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Stamp Duty Charges in Delhi
Understanding stamp duty charges is essential for anyone looking to buy a home or invest in property. Here’s the stamp duty and registration charges in Delhi:
| Type of Ownership | Stamp Duty Rate | Registration Charge |
|---|---|---|
| Joint Owners (male and female) | 5% | 1% |
| Male | 6% | 1% |
| Female | 4% | 1% |
Check Out: Delhi Land Records
Stamp Duty & Registration Charges for Different Areas in Delhi
| Area | Type of Ownership | Stamp Duty | Registration Charges |
|---|---|---|---|
| New Delhi Municipal Corporation (NDMC) area | Male | 5.5% | 1% |
| Female | 3.5% | 1% | |
| Joint Owners | 4.5% | 1% | |
| Delhi Cantonment Board areas | Male | 3% | 1% |
| Female | 3% | 1% | |
| Joint Owners | 3% | 1% | |
| Other Areas | Male | 6% | 1% |
| Female | 4% | 1% | |
| Joint Owners | 5% | 1% |
Suggested Read: Delhi Circle Rates 2025
Stamp Duty for Different Deeds in Delhi
| Type of Deed | Stamp Duty Charges |
|---|---|
| Will | NIL |
| Sale Deed | Male 6%, Female 4% |
| Gift Deed | Male 6%, Female 4% |
| Share Certificate | Rs. 1 for every Rs. 1,000 |
| Adoption Deed | Rs. 50 |
| Indemnity Bond | Rs. 100 |
| Lease Deed | 2% up to 5 years lease and 3% for 5-10 years lease |
| Partition Deed | 2% |
Suggested Read: Top 5 Banks for Home Loans in Delhi
How to Pay Stamp Duty in Delhi?
Since the introduction of e-stamping in Delhi, stamp duty must be paid using this method. The government has appointed SHCIL (Stock Holding Corporation of India Limited) as the agency responsible for managing e-stamps in India. Here’s the process for paying stamp duty:
- Visit the SHCIL Website: Start by going to the official SHCIL website.
- Login: Click on the ‘Login’ option, then select ‘e-Stamping’, and click on ‘Citizen Login’.
- Register and Login: Create an account and log in with your credentials.
- Select Payment Option: Click on the option to ‘Pay Stamp Duty/eCourt Fee Generation/eRegistration Fee Payment’.
- Enter Details: Fill in all the required information for the payment.
- Make Payment: Proceed to make the payment through net banking, credit, or debit card.
- Print e-Stamp or Receipt: After the payment, print out the e-stamp or receipt for your records.
Suggested Read: Home Loans in Delhi
How to Calculate Stamp Duty in Delhi?
Calculating stamp duty in Delhi is a simple process. Here’s a breakdown of the steps involved:
- Determine the Property Value or Circle Rate: Begin by identifying the value or circle rate of the property.
- Identify the Applicable Stamp Duty Rate: The stamp duty rate depends on factors like the ownership type (individual, female, or joint) and the location (NDMC area, cantonment board areas, or other regions).
Example 1:
Let’s say Anjali buys a flat worth Rs. 90 lakh in a non-NDMC area in Delhi.
- Stamp Duty: 4% of the flat value
= 90,00,000 × 4% = Rs. 3,60,000 - Registration Charges: 1% of the flat value
= 90,00,000 × 1% = Rs. 90,000
Thus, Anjali would need to pay Rs. 4,50,000 (3,60,000 + 90,000) for the stamp duty and registration charges.
Example 2:
Now, let’s consider Sameer purchasing a flat worth Rs. 1 crore in the NDMC area of Delhi.
- Stamp Duty: 5.5% of the flat value
= 1,00,00,000 × 5.5% = Rs. 5,50,000 - Registration Charges: 1% of the flat value
= 1,00,00,000 × 1% = Rs. 1,00,000
Therefore, Sameer would have to pay a total of Rs. 6,50,000 (5,50,000 + 1,00,000) for the stamp duty and registration charges.
Suggested Read: RERA Charges in Delhi
Factors Affecting Stamp Duty Charges in Delhi
When securing a home loan in Delhi, it’s vital to consider the various factors that affect stamp duty charges. These costs can significantly impact the overall affordability of your property purchase, influencing your budgeting and financial planning.
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- Property value: The cost of the property directly influences the stamp duty amount. Higher-valued properties typically incur larger stamp duty charges.
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- Property location: Stamp duty rates vary by state and sometimes even by city or district within a state.
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- Property type: Different rates may apply to residential, commercial, or industrial properties.
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- Buyer’s gender: Some states offer lower rates for women buyers to encourage property ownership among women.
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- Property age: Newer properties might have different rates compared to older ones in some regions.
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- Urban vs. rural areas: Some states have different rates for properties in urban and rural areas.
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- Nature of the transaction: Whether it’s a sale, gift, or lease can affect the applicable stamp duty rate.
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- Built-up area: In some cases, the size of the constructed area on the property can influence the stamp duty.
How To Use Credit Dharma’s Stamp Duty Calculator?
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- Go to the Credit Dharma Stamp Duty Calculator page.
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- Choose the state where you intend to purchase your property from a drop-down menu.
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- Type in the total value of the property you’re planning to buy.
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- Specify the gender of the buyer.
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- The calculator will display the calculated stamp duty and registration charges.
How to Pay Stamp Duty in Delhi?
Documents Required For Paying Stamp Duty in Delhi
Prepare all necessary paperwork in order simplifies the transaction and avoids delays in the property buying journey:
| Category | Documents Required |
|---|---|
| Property Ownership Transfers | Deed of Partition Reconveyance of Mortgaged Property Gift Deed Exchange deed |
| Financial and Security Instruments | Mortgage Deed Certificates of Sale |
| Occupancy and Use Agreements | Tenancy Agreement Lease Deeds |
| Legal and Authority Delegations | Power of Attorneys Licence Agreement |
Stamp Duty Concessions
Stamp duty concessions are a strategic tool used by governments to promote homeownership by making it more financially accessible. These benefits and reductions are designed to lower the entry barriers for buyers, encouraging more individuals and families to invest in their own homes.
Reduced Stamp Duty Rates for Women:
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- Women may pay a lower rate of stamp duty compared to men.
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- This differential rate aims to promote property ownership among women, contributing to their financial independence and empowerment.
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- The exact discount can vary by region, but it’s typically around 1-2% lower than the rate for men.
Stamp Duty Concessions:
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- Many states offer reduced stamp duty rates for first-time homeowners to make property ownership more accessible and affordable.
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- First-time buyers might also qualify for additional tax benefits on the stamp duty paid, under certain conditions.
Joint Ownership Incentives:
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- This is applicable only on properties registered under joint names with a woman as one of the owners.
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- Some jurisdictions offer a reduction in stamp duty rates, further encouraging joint ownership.
Stamp Duty and Registration Charges For All States
| 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% |
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Familiarising yourself with the stamp duty and registration charges in Delhi is essential for any property transaction. By understanding these expenses upfront, you can better plan your finances and avoid surprises during the home buying process. Remember, stamp duty and registration charges are significant factors in your overall budget.
Ready to take the next step in your home buying journey? Credit Dharma is here to help you beyond just calculating stamp duty. Our expert team can guide you through the entire home loan process, offering competitive rates and personalised solutions to match your unique financial situation. Contact Credit Dharma today to explore your home loan options and turn your homeownership dreams into reality!
Frequently Asked Questions
The buyer of the property is typically responsible for paying stamp duty, although specifics can vary based on local laws and agreements.
Stamp duty is usually calculated as a percentage of the property’s purchase price or the market value, whichever is higher.
If you don’t pay stamp duty on documents that need it, you could face serious issues. Courts won’t allow these documents as evidence, making disputes hard to resolve. Plus, authorities might hold them until you pay the duty and any extra fines, which can be quite hefty.
All real estate transactions require stamp duty, except when properties are transferred through a Will.
Yes, stamp duty rates and regulations vary significantly across different states and territories, reflecting local real estate market conditions and government policies.
The current stamp duty rates in Delhi are 6% for female owners and 4% for male owners.
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