FinCalc

Stamp Duty Calculator

Calculate stamp duty and registration costs by state

State

Buyer Gender

₹

Total Cost

₹3,50,000

7.00% of property value

Stamp Duty

₹3,00,000

6.00%

Registration Fee

₹50,000

1.00%

Property Value₹50,00,000
Stamp Duty (6.00%)₹3,00,000
Registration (1.00%)₹50,000
Total Cost₹3,50,000

What is a Stamp Duty Calculator?

Stamp duty and registration charges are mandatory government fees you pay when purchasing property — and they're a significant cost, typically adding 6-10% to the property price. These charges vary by state, city (some have additional cess or surcharges), property type, and buyer category (women often get a discount).

This calculator estimates the total stamp duty and registration fees based on the property value and state. Many first-time buyers are shocked by these costs — on a ₹1 crore property, stamp duty alone can be ₹5-7 lakh. Since these are sunk costs (non-recoverable), they significantly impact the financial case for buying property.

When to Use This Calculator

  • Budgeting for total property purchase costs including stamp duty and registration
  • Comparing stamp duty across states before deciding where to buy
  • Checking if you qualify for a reduced rate (women buyers, first-time buyers)
  • Calculating the exact registration amount to arrange funds before the registry
  • Understanding the total upfront costs of buying property beyond the down payment

Key Terms

Stamp Duty

A state government tax on legal documents related to property transfer. Rates vary by state (typically 3-8% of property value). Must be paid before or at the time of registration.

Registration Fee

A fee paid to the sub-registrar's office for registering the property in your name. Usually 1% of property value, capped at ₹30,000 in most states.

Circle Rate / Ready Reckoner Rate

The government's minimum property valuation for stamp duty purposes. If the sale price is below the circle rate, stamp duty is calculated on the circle rate.

Conveyance Deed

The legal document that transfers property ownership from seller to buyer. Stamp duty is technically paid on this document.

Frequently Asked Questions

Why does stamp duty vary by state?+
Stamp duty is a state subject under the Indian Constitution, so each state sets its own rates. Rates range from 3% (Goa for some categories) to 8% (UP, Haryana). Some states like Maharashtra have additional metro cess, LBT, and surcharges that push the effective rate even higher.
Do women get a discount on stamp duty?+
Several states offer reduced stamp duty for women buyers: Delhi (4% vs 6%), Haryana (5% vs 7%), Rajasthan (4% vs 5%), and others. Registering property in a woman's name or as a joint owner with a woman can save significant money.
Is stamp duty included in the home loan?+
Most banks don't include stamp duty in the home loan amount — you need to pay it from your own funds. However, some banks offer 'stamp duty + registration' as part of the loan for home purchases. The total loan amount still stays within the bank's LTV (Loan-to-Value) ratio of 75-90%.
What happens if I don't pay stamp duty?+
An improperly stamped document is inadmissible as evidence in court. If discovered, you'll need to pay the deficit stamp duty plus a penalty (typically 2% per month of the deficit, capped at 4x the deficit). The sub-registrar will not register the document without adequate stamp duty.