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Home > Home Loan > Calculator > Stamp Duty and Property Registration Charges Calculator

Stamp Duty and Property Registration Charges Calculator

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

StateStamp Duty -MaleStamp Duty -FemaleRegistration Charges
Andhra Pradesh5%5%1%
Arunachal Pradesh6%6%1%
Assam6%5%8.50%
Bihar6.30%5.70%1%
Chhattisgarh5%4%1%
Goa3.5% – 5%3.5% – 5%1%
Gujarat4.90%4.90%1%
Haryana7%5%1%
Himachal Pradesh5%5%1%
Jharkhand4%4%1%
Karnataka2% – 5%2% – 51%
Kerala8%8%2%
Madhya Pradesh7.50%7.50%1%
Maharashtra6%5%1%
Manipur7%7%3%
Meghalaya9.90%9.90%1%
Mizoram9%9%1%
Nagaland8.25%8.25%1%
Odisha5%4%1%
Punjab4.75%2.75%1%
Rajasthan6%5%1%
Sikkim5%5%1%
Tamil Nadu4%4%2%
Telangana5%5%1%
Tripura5%5%1%
Uttarakhand5%3.75%1%
Uttar Pradesh7%5%1%
West Bengal6% – 7%6% – 7%1%
Delhi6%4%1%
Daman & Diu6%4%0.50%
Jammu and Kashmir7%3%1.20%
Data Source: Check stamp duty and registration charge details on the official government website for the Indian Stamp Act.

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

FactorDescription
Property ValueHigher purchase prices often incur higher rates, sometimes on a sliding scale.
JurisdictionRates and thresholds vary by state, province, or country.
Property TypeResidential, commercial, or industrial properties may have different duty rates.
First-Time Buyer StatusConcessions or exemptions may be available for first-time property buyers.
Transaction TypeVariations exist for transfers, gifts, or inheritance of property.
Government PolicyChanges 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.

Suggested Read: 15 vs 30 Year Home Loan Tenure

Purpose of Property Registration Charges

PurposeExplanation
Proof of OwnershipEstablishes the buyer as the legal owner of the property.
Prevents FraudEnsures the property is not sold multiple times illegally.
Dispute ResolutionServes as legal evidence in case of ownership disputes.
Mandatory under the Registration Act, 1908Required for registering transactions above a certain value.
Ensures TransparencyRecords transactions officially, preventing black money dealings.
State Revenue SourceGenerates significant revenue for the state government.
Used for Infrastructure & Public WelfareFunds roads, schools, hospitals, and other public services.
Required for Home LoansBanks need registered property documents to approve loans.
Legal SecurityStrengthens the buyer’s legal rights over the property.

Factors Influencing Property Registration Charges

FactorImpact on Registration Charges
Property LocationCharges vary based on state, city, or rural vs. urban areas.
Metropolitan areas usually have higher rates.
Property ValueHigher property prices attract higher stamp duty and registration fees, as they are calculated as a percentage of the total value.
Property TypeResidential properties usually have lower charges compared to commercial properties.
Buyer’s GenderSome states offer concessions in stamp duty for women buyers to encourage female property ownership.
Usage of the PropertyAgricultural land may have lower registration charges compared to commercial or industrial land.
Age of the BuyerSome states offer discounts to senior citizens on stamp duty.
Government PoliciesPeriodic changes, rebates, and exemptions can influence the charges.
Mode of TransferGifts, inheritance, and lease transactions may have different registration fee structures.
Additional ChargesLegal 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)

Suggested Read: Home Loan Tax Benefits

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:

MethodDetails
1. E-StampingAvailable 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 PaymentSome 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. FrankingDone 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 PurchaseTraditional method where stamp papers of the required value are purchased from licensed vendors.

This is gradually being replaced by e-stamping.
5. Challan PaymentIn states like Maharashtra, stamp duty can be paid via government-approved challan through banks or treasury offices.
6. Registration at Sub-Registrar’s OfficeAfter 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:

CategoryDetails
Deduction LimitUp to ₹1,50,000 under Section 80C
Eligible PropertyOnly new residential properties
Ineligible PropertyCommercial properties, residential plots, resale properties
Ownership RequirementProperty must be in the name of the taxpayer claiming deduction
Payment YearDeduction can be claimed only in the year of payment
Construction StatusProperty must be fully constructed with legal possession
Joint OwnershipEach co-owner can claim deductions based on their share (subject to ₹1,50,000 limit)
Non-Eligible ExpensesAdmission fees, share costs, initial deposits for societies/companies
Reversal ClauseIf sold within 5 years, deductions claimed are added back to taxable income
Required DocumentsPayment receipts, property registration papers

Suggested Read: RBI Repo Rate Cut 2025

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.

From the initial application to the final disbursement, we provide comprehensive support. Enjoy clear and honest communication at every stage, with no hidden surprises.

Frequently Asked Questions

How can I reduce stamp duty and registration costs?

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.

What distinguishes stamping from registration?

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.

What is the process for paying stamp duty and registration fees in Bangalore?

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.

What is the purpose of charging stamp duty?

Stamp duty serves as a significant revenue source for state governments and legally validates property transactions, ensuring their enforceability in court.

Does stamp duty attract TDS?

No, the tax department calculates Tax Deducted at Source (TDS) based on the property’s sale value, excluding stamp duty and registration charges.

Who is responsible for paying TDS – the buyer or the seller?

The buyer is responsible for deducting and remitting TDS when purchasing property, typically at a rate of 1% for transactions exceeding ₹50 lakh.

Can stamp duty and registration charges be claimed as a deduction in income tax returns?

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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